Discounts for Autopilot? The ins and outs of offering auto insurance discounts for self-driving cars…

Auto insurance company Root has hit the headlines today with its claim that it will not only offer Tesla owners a discount for driving a Tesla electric car (due to their excellent safety record and active safety features) but offer even larger discounts for Tesla Model S and Tesla Model X drivers who heavily rely on Autopilot while behind the wheel.

In one way, it makes total sense: cars with autopilot enabled are 40% less likely to have an accident than a car without autopilot. But in a world where autopilot is still very much a premium feature on high end cars, could we be setting a dangerous precedent where those who drive cars without autonomous driving capabilities will see their premiums go up — the very same people who often can’t afford to buy higher-end models with advanced safety features?

It’s totally appropriate to give lower premiums to people who are less at risk of having an accident — but how do you provide affordable insurance for those who don’t have autonomous vehicles? And will it become a more common problem in the future?

Watch the video above and leave your thoughts in the Comments below.

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