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The comparison against all human drivers is too broad. Typically insurance companies will apply higher premiums to new drivers due to inexperience and a higher likelihood of accidents. It would be better to see comparisons against the safest, most experienced cohort of human drivers.

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What's the utility of that? Self driving cars are meant to replace all humans, not just the safest ones.

A couple of reasons. First, you could compare a self driving car's safety against your own record. I've had a licence since 1988 and never had an accident. I want to compare against that standard. Second, you could get a better idea of the insurance premium against your own. I suspect there will come a day when the premiums are much lower for self driving cars but right now I suspect they'd be higher due to all the added self driving equipment you're insuring as well.

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