Driving Instructor Car Insurance and Driving School Insurance Quotes

Driving instructor car insurance and driving school insurance covers typical damages, just like personal car insurance. The difference is that you also need to protect your students. With a driving instructor coverage, any student in the car is covered without having the student named in the policy.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 20, 2022

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Here's What You Need to Know

  • As a driving instructor, driving instructor car insurance is a necessary component to your business
  • Teens are high-risk individuals to insure and your premiums as an instructor will reflect that fact
  • When considering driving instructor employees, make sure they have clean background checks and driving records to ensure you won’t have to pay even more to insure them

Do you need insurance for driving school vehicles? Yes, you need to not only protect yourself and your vehicle but your students as well. You can find cheap driving instructor car insurance and driving school insurance quotes by shopping around. Driving is close to a mandatory skill for the average adult, and most people need to learn it at some point.

Plus, Driver’s ed car insurance discounts can also play a part. While parents teach many young new drivers, many others go to driving schools. A driving school insurance discount can help parents save money on their child’s insurance rates.

If you own one of those schools, you need to have driving instructor car insurance to protect you, your instructors and your students. Whether you work independently or own a driving school, getting driving instructor insurance is a must and getting quotes online is the easiest way to complete this task.

What car insurance do I need for my driving school?

Who insures driving schools? Most major insurance companies are driving school insurance providers. Driving instructor insurance brokers offer insurance specific for driving schools and driving instructors.

Driving instructor car insurance is the same as personal car insurance, covering theft, injury, and damage due to accidents, and liability, but it covers your students as well. However, be thorough when gauging how to choose driving school insurance. Choose the policy that best fits your needs.

Keep in mind that insuring younger drivers, like students, is expensive. Let’s look at a table showing the average rates for various young drivers.

Average Monthly Teen Driver Car Insurance Rates by Age and Gender
Driver's AgeAverage Monthly Rates for Male DriversAverage Monthly Rates for Female Drivers
19 years old$181$189
18 years old$260$242
17 years old$322$304
16 years old$351$328
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Any student in the car will be covered without having the student named in the policy. Insurance for a driving instructor will cover all accidents that occur during lessons. Talk to your insurance agent to make sure you are meeting the insurance company’s driving school insurance requirements.

Things to Keep in Mind When You’re on the Road With a Student

  • Make sure that only items needed for teaching are in the car because driving instructor car insurance policies don’t cover extraneous things. If there is an accident, items that didn’t need to be in the car will not be covered.
  • The same goes for people. You and your students are the only ones covered during lessons in your driving instructor car insurance policy so don’t allow extra passengers to accompany you. Having extra people and things in the car when you get in an accident could cause you to lose your insurance policy.

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How much do driving instructors pay for insurance?

Driving instructor car insurance costs will be higher than personal car insurance because of the added risk of having inexperienced and young drivers use the car, but you need it in order to work as a driving instructor. For more information, you can also read our article “How can I find cheap car insurance for young drivers“.

If you don’t have driving instructor car insurance, you might lose your driving instructor license, which would put you out of a job.

Paying premiums might seem like a huge expense with no gain, but if you get in an accident, the coverage will probably more than outweigh your expense.

If you have your own business that is just starting out, you might want to opt for an insurance company that will allow you to pay month to month. That way if your business venture doesn’t work out, you’re not stuck with paying for insurance you don’t need.

Paying per month is more costly than paying bi-annually or annually, but it gives you more freedom until you get on your feet. Once you are confident in your business’s future, you can change your policy to a more cost-friendly payment plan.

Although you should buy insurance policies based on the amount of coverage they offer, make sure the premiums aren’t too high. If they are, then much of your profit will go into paying for car insurance. You can modify this with the amount of deductible you select.

Can I buy car insurance for multiple driving instructors?

You might have started out as a small business in which you were boss and employee, but the demand for your services became so great, that you needed to hire one or more driving instructors to deal with all the customers. Your single driving instructor car insurance policy is no longer valid. You now need to get a policy that covers you, your employees and your students. It’s time to look into commercial auto insurance for driving schools.

Driving instructor car insurance policies vary based on the size of your school and the number of students and employees you have. It will be more expensive than commercial car insurance for other types of businesses because of the risks involved with student drivers, but it’s important to choose your policy based on what it covers and not solely on the cost.

Make sure your driving instructor car insurance policy covers all your instructors and students with an amount of coverage that can handle all mishaps. By having driving instructor car insurance that covers your students, you will probably get more business. Students will appreciate getting driving lessons without also having to pay for short-term car insurance.

How to Buy Driving Instructor Car Insurance

There are two ways to buy driving instructor car insurance.

  • You can buy a policy for each instructor. This is good when you only have a few instructors.
  • You can buy one policy that covers all your instructors. This is best for larger businesses.

Be sure to protect yourself when hiring new employees. Do a background check for new hires to see if they have been convicted of anything or have a bad driving record. If they do and get in an accident on the job, your insurance will go up.

How can I research driving instructor car insurance?

While you’re comparing quotes and contracts, make sure that you understand everything, especially the fine print. The people who write the contract know that you are most likely to skip over this fine print and so add important clauses there.

If there’s anything you don’t understand, don’t be afraid to ask for clarification. When looking for driving instructor car insurance, you need all the information you can get to choose the company that’s right for you, and you need to fully understand this information to make the right choice.

Finding the right driving instructor car insurance can be tricky, especially because young 16-year-old drivers put your car in an unusual amount of risk.

How do you know that even the best car insurance companies are telling you the truth about their coverage and won’t spring unread fine print on you after you sign the contract? The best way is to talk to other people who have driving instructor car insurance and get their opinion on their coverage.

Driving instructor car insurance is a must when you teach student drivers for a living. With all the accidents that new drivers have, it is important to protect yourself, your instructors and your students. Before you buy driving instructor and driving school car insurance, shop around and compare multiple driving school insurance companies to find the best rates.

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Frequently Asked Questions: Driving Instructor Car Insurance and Driving School Insurance Quotes

If you still have questions about driving instructor car insurance, check out this commonly asked one below.

#1 – What are the types of driving school insurance?

There is driving school insurance for vehicles and general liability for the actual driving school facility. Make sure your driving instructor and driving school car insurance company offers all of the coverage you will need.

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