I just don't see the insurance companies accepting the risk. You may be right, they are in it for the money. Much higher premiums for those that want to drive themselves.
Buy your last self driveable vehicle now it will be a lawn ornament in 2036. You can be sure that Insurers will deny coverage or raise the premiums so high that the average American will not be able to afford the liability insurance. Non-autonomous Vehicles will become unsellable.
Crash Rate...