Insurance is, however, a for profit corporation, out to maximize profits, so they'll charge both groups a premium, and then add a service fee on top of that.
Nothing about that changes with the introduction of autonomous vehicles though, and it's a very open and highly competitive market. It is extremely easy to switch your auto insurance provider, and anyone who can pay some actuaries can start up a new business. (Though few do, because there isn't a huge margin to take away from the industry as it is.)
And when they post the obscene margins as a result of doing this, other insures can come in and undercut them. That's a key ingredient to making insurance work well. Its also why "insurance" doesn't work for healthcare.
