Researching Rising Insurance Impacts

The Human Drivers Advocacy Network (HDAN) is confronting a pivotal issue in the autonomous vehicle (AV) era: soaring insurance premiums that threaten to erode mobility for human drivers. With 4.5 million AVs projected on U.S. roads by 2030, their safety advantage—up to 300% safer than human-driven vehicles—reshapes insurance models, risking inequitable access for rural, low-income, and senior drivers. HDAN contends that transportation’s evolving landscape demands premiums not priced solely on risk but responsibly tempered by drivers’ rights to equitable mobility.

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While AV's potentially lower crash and instant statistics align with U.S. Department of Transportation safety goals, insurers’ risk-based pricing could spike premiums exponentially by the mid-2030, marginalizing vulnerable communities and restricting access to jobs, healthcare, and AV technologies.

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HDAN’s rigorous research analyzes insurance trends, crash data, and AV adoption rates, integrating drivers’ stories to advocate for inclusive policies. Our landmark 2026 report will guide policymakers toward equitable insurance standards, ensuring accessibility. Grounded in NHTSA and Swiss Re data, HDAN drives systemic change, championing a future where mobility equity thrives for all.