You mis-parsed his statement. It's ((self-driving car) owners), not (self-driving (car owners)).
Rather, they will make the current price the standard for (self-driving cars), and increase the price for (human-driven cars), thereby ensuring more money for themselves.
if car.self_driving.safe?
car.human_driven.price_to_insure.raise
elsif 1==0
car.any.price_to_insure.lower
end