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Never trust an automated vehicle you have to buy insurance for. If it's truly autonomous, then the actual person in the driver seat is irrelevant. There is no need to price risk individually. Any true self driving car should have a lifetime insurance policy included in the purchase price. The manufacturer is the one determining if crashes will occur. The liability should be entirely on them. Any company selling you a "self driving" card that still requires you to buy insurance is selling snake oil.
Mm. No. Where / how much you drive it has everything to do with the amount of risk and is completely personal.
Well, self-driving cars should refuse to drive in conditions that are outside the safety parameters they are designed for, regardless of exposure (time, amount, and condition driven), so the result should be the same.
Even standard warranty doesn't define conditions that strictly, just time & mileage - and even that bcs of the wear.
Watch these Tesla's eat shit in "Full" Self-Driving mode because there's fog, it's sort of darkly hilarious that human needed to intervene to avoid hitting a fucking freight train:
https://www.youtube.com/watch?v=h4f-crzpZ9w