Autonomous vehicles could eventually lead to fewer car accidents and shake up the $400 billion U.S. auto insurance industry, but don't bank on lower premiums anytime soon.

That's according to a recent Goldman Sachs research note cited by Bloomberg, which suggests the types of risks insurers cover in the future may shift rather than disappear.

"Autonomy has the potential to significantly reduce accident frequency longer-term and reshape the underlying claim cost distribution and legal liability for accidents," Goldman Sachs analyst Mark Delaney and colleagues wrote in a client note, per Bloomberg.

Goldman analysts predict insurance costs will decrease by more than 50 percent in the next 15 years, from around $0.50 per mile in 2025 to $0.23 in 2040. However, they still expect modest growth in

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