If self-driving is better, then presumably cheaper insurance costs would be an incentive.
Different states have different rules about what sort of things insurers are allowed to charge different rates for. In the states that allow it, Tesla does offer insurance discounts for FSD usage.[1] Lemonade also offers discounts for FSD usage.[2]
1. https://www.tesla.com/support/insurance/fsd-discount
2. https://www.lemonade.com/fsd
California is one of those states that does not allow FSD usage to impact insurance rates
Different states have different rules about what sort of things insurers are allowed to charge different rates for. In the states that allow it, Tesla does offer insurance discounts for FSD usage.[1] Lemonade also offers discounts for FSD usage.[2]
1. https://www.tesla.com/support/insurance/fsd-discount
2. https://www.lemonade.com/fsd
California is one of those states that does not allow FSD usage to impact insurance rates