How much liability coverage are you getting for ~ $100/month? In other words if you injure or kill someone with your vehicle how much of that cost will be covered by your insurance company? With Waymo the answer is "not my problem".

I pay ~100/month per car for full coverage on two fairly new cars and $500k in liability from the auto policy plus a $1m umbrella policy. And that's in CA which is comically expensive. I find it very believable that you can get excellent liability only coverage on 3 cars for $100/month depending on the state and drivers.

For comparison, I live in SF and am low-risk on all the dimensions you'd expect on HN, and I pay $100/month for non-owner coverage with similar limits - i.e., I don't own a car and my coverage only applies when I rent one. When I owned a car it was much higher, of course.

Hmm, for my €209/year (~$20/mo) liability insurance I get unlimited coverage for personal injuries and €5M coverage for property damage (both mandated by Finnish law).

It sounds like you pay much more. Any idea why?