Everyone thinks they are "good" drivers, even the person weaving in out of lanes, even the person that has a car that has 500 dents all over it from previous impacts that were all caused by "other bad drivers not me"
What will happen is human-controlled cars will become $$$$$$ to ensure once Level 5 is better than humans. At that point, if you can afford it sure you can reject it but get out your wallet
Why should insurance be more than today? Unless you're arguing that safety systems in other vehicles make you driving one without those systems more dangerous.
Insurance is about risk pools, if Level 5 becomes a reality the risk of a human driver will go up, and has more and more people adopt level 5 (which they will contrary to what people on here think) the number of human drivers to spread that risk over will go down, small risk pools with increasing amount of risk means higher premiums
What will happen is human-controlled cars will become $$$$$$ to ensure once Level 5 is better than humans. At that point, if you can afford it sure you can reject it but get out your wallet