In an example, an insurance premium for a driverless vehicle is calculated by monitoring an amount of time a first occupant is in active control of the driverless vehicle during a period and modifying an insurance rate for a subsequent period based on the amount of time the first occupant is in active control of the driverless vehicle. In another example, an insurance premium for an intelligent vehicle is calculated by receiving at a computerized insurance system, from the intelligent vehicle, an indication of the intelligent vehicle's condition and calculating the insurance premium for an insurance policy that covers the intelligent vehicle based at least in part on the indication of the intelligent vehicle's condition.