Driving Instructor Insurance: Cost & Quotes From $50/mo

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Driving instructors instruct newbies on proper driving techniques and habits. Some also provide special lessons on driving commercial vehicles such as box trucks. If you’re working as a driving instructor, consider purchasing insurance. You can hurt someone while teaching a student how to drive a cargo van. Negligence is another problem that you have to think about too. 

You must invest in driving instructor insurance to protect against liabilities for your business on and off the road. Read this guide to know what policies are included, the cost of premiums, and the best companies:

General Liability Insurance for Driving Instructors

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0

General liability insurance can be an excellent policy addition to driving lessons insurance program. It covers liability costs for third parties for personal, property, and bodily injury. The policy can also cover any property damage to these same parties. Examples include:

  • A client’s electronics get damaged in your office

  • Your client slips and falls on your driving instructor’s business property

  • You say something untrue about a client, and they sue you for slander

What Are the Coverage Limits for General Liability?

General liability insurance generally has a coverage limit between $300,00 and $1 million.

How Much Does General Liability Insurance Cost?

Your driving instructor insurance average cost for general liability coverage will be around $43 per month or $500 annually.

What Add-Ons Should Driving Instructors Get?

Driving instructor insurance companies offer ways to customize your insurance policy through additional policies like:

  • Employment practices liability–Protects you from employee lawsuits that accuse you of workplace harassment, wrongful termination, and other related issue

  • Product and completed operations liability–Gives liability protection for incidents away from your business premises

Is General Liability Insurance Legally Required?

No. You do not generally require general liability insurance to maintain a driving instructor business. However, general liability insurance can prevent you from a costly lawsuit with the potential to bankrupt you.

Professional Liability Insurance for Driving Instructors

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500

Driving instructor professional indemnity insurance is a policy that protects you and your driving instructors when they make a mistake as a part of their job. Situations to use this policy include:

  • A driving instructor provides the wrong instruction and causes the client to get into a fender bender

  • The business owner makes a scheduling mistake that causes a client to lose money

What Add-Ons for Professional Liability Should Driving Instructors Get?

Professiona liability insurance for driving lessons can offer an extended reporting period add-on for your professional liability coverage. This add-on allows you more time to file your claim.

Another add-on to consider is an excess liability insurance policy. This will let you extend your driving instructor’s professional liability insurance coverage limits.

What Are the Coverage Limits for Professional Liability Insurance?

Coverage limits for professional liability policies average around $1 million per occurrence. Your driving instructor insurance cost will be higher if you need a policy with a higher limit.

How Important is Professional Liability Insurance?

Professional liability is an important policy you want to take advantage of. You may be tempted to only look for cheap driving instructor insurance without the protection of professional liability insurance. However, going cheap can bite you later when you run into an unexpected and costly liability. 

You never plan on making mistakes, but they can still happen. The best plan is an insurance policy to give you peace of mind for your business. The lawsuits that professional liability insurance can protect you against can potentially bankrupt your business.

Public Liability Insurance for Driving Instructors

Driving instructor public liability insurance is policy coverage that only includes third-party injuries from the general public. This policy covers incidents when the public enters your commercial property. Some situations where you can use this policy include:

  • While on a driving instructor trip, a pedestrian gets injured

  • Someone enters your property and slips and falls on a poorly placed rug

What Are the Coverage Limits for Public Liability?

Public liability insurance typically has coverage limits of $1 million per occurrence and $2 million in aggregate. These coverage limits will change based on your policy.

Do I Need Public Liability if I Have General Liability?

No. Public liability insurance is part of general liability insurance. A public liability insurance policy is unnecessary if you already have a general liability insurance policy.

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Commercial Property Insurance for Driving Instructors

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded

A commercial property insurance policy protects your business, building, and personal property. See below for a few example situations where you might use this coverage.

  • A thief breaks into your commercial property building and vandalizes it

  • A flood causes damage to the electronics in your driving instructor building

What Are the Coverage Limits for Commercial Property Insurance?

The best driving instructor insurance will offer typical commercial property coverage limits of about $60,000 or more. This coverage limit is determined by the value of your business building and the property stored in it. 

Add-Ons for Commercial Property for Driving Instructors

  • Debris removal coverage can be a good pick for your policy because it allows you to get reimbursed for cleanup costs from insured events like a building fire

  • Earthquake insurance protects your property from landslides and earth movement-related physical damages

Does Commercial Property Insurance Cover All Causes of Property Damage?

Sadly, even the best commercial property policies will have some exclusions. Any property damage from your negligence will be excluded from commercial property policies. This rule includes termite damage, rusted pipes, and poorly maintained facilities.

Business Owner’s Policy for Driving Instructors

CoverWallet Thimble (Best) NEXT  Hiscox The Hartford
General liability aggregate limit  $2,000,000 $2,000,000 $2,000,000 $300,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $500,000 $260,000 $25,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes

Highway driving instructor insurance must have  liability and property protection to protect your business successfully. A business owner’s policy is an excellent option with general liability and commercial property coverage.  

It can be a superb pick for a less expensive policy. Bundling policies with a business owner’s policy often costs less than buying multiple separate policies. Examples include:

  • A customer slips and falls on your business property

  • A thief breaks into your office and steals your electronics

  • You have a client whose property is damaged during your driving lessons

What Coverage Limits Can You Expect From Business Owner’s Policy?

Business owner’s policy gives you around $500,000 on average, though driving instructors may want a higher coverage limit of around $1 million.

Add-Ons for Business Owner’s Policy You Might Want for Your Driving Instructor Business

Some business owner’s policies allow you to include inland marine insurance. This policy protects your business property, like tools and materials, as they are transported to you or different locations over land. This protection also extends to property that is in a business’s care.

Consider cyber liability insurance, which protects you against perils from data breaches, cyber security attacks, and telling customers their data has been accessed.

Gap Insurance for Driving Instructors

Gap insurance for driving instructors is additional coverage for financed vehicles. Sometimes, you will owe more on your loan than your car is worth.  This situation sometimes happens because of the depreciation of the value of automobiles over time.  Some situations gap insurance comes in handy include:

  • A car covered by your business crashes, and you owe more on the car than it is currently worth

  • Your auto loan has a remaining balance, and your car is totaled

How Are Gap Refunds Calculated?

To calculate gap insurance refunds, you divide the total cost of your insurance by the number of months you had the coverage. Gap insurance refunds only apply if you pay for the policy upfront.

Are Gap Plans Worth It?

Gap plans are not worth it if you buy your item or vehicle outright. They only are valuable if you are financing your property.

Commercial Auto Insurance for Driving Instructors

Driving instructor car insurance companies offer commercial auto insurance that protects your business vehicles from damage and you from liability. It will also include liability coverage for accidents your vehicles cause. Some situations to use this insurance include:

  • A business vehicle you own gets into a collision incident

  • Someone steals a business vehicle you own

Driving instructor car insurance is generally made up of several different policy options, which are outlined below:

  • Comprehensive–A comprehensive policy covers damages to your business vehicle from theft, fire, vandalism, and many events besides road collisions

  • Collision–This policy will cover your car’s damage in road collisions. It will help pay for the costs to repair or replace your vehicle after considering your deductible and coverage limits. It’s different from liability coverage because it only covers your car

  • Auto liability–Your auto liability coverage will help pay to repair or replace someone else’s car if you are at fault for causing an accident on the road. The best car insurance for driving instructors will offer coverage for property damage and bodily injuries at a competitively low price

  • Underinsured motorist–This provides coverage when another driver is at fault, but their insurance policy isn’t enough to cover the damage

  • Rental reimbursement–You get reimbursed for the rental costs you incur when renting a vehicle

  • Roadside assistance–This policy covers costs to tow and fix your car when it breaks down on the side of the road

  • Medical payments–You can use medical payments coverage to help pay medical costs for drivers and passengers. It will pay benefits regardless of who is at fault in the accident

What Are the Coverage Limits You Can Get for Commercial Auto?

Commercial auto coverage limits range between $100,000 and $1 million for liability protection.

What is the Cheapest Car Insurance for Driving Instructors?

The cheapest car insurance for driving instructors will be a policy with low coverage. In some states, you can meet coverage requirements without insurance. For example,  you only need to pay an uninsured motorist fee of $500 annually to satisfy Virginia’s insurance requirements. However, going cheap is not a good idea. While saving money in the short term, you risk a big lawsuit or other cost in the long term.

How Can I Get a Better Insurance Quote?

Your driving instructor insurance quote for commercial auto is affected by driving habits, coverage limits, and which deductibles you choose. If you want a better premium quote, you can also sign up for installing anti-theft devices in your vehicles. These devices help insurers save money on coverage costs.

Workers’ Compensation Insurance for Driving Instructors

Workers’ compensation insurance is a policy that an employer buys that protects workers by providing medical benefits and lost wages when injured. Examples of times to use this policy are listed below.

  • An employee falls while on the job and can only work at a reduced capacity

  • A driving instructor often develops chronic pain from being in a car

  • Your employee gets into an accident that leaves them disabled and unable to perform their previous duties

Is Workers’ Compensation Required for My Business?

Most states require businesses with full-time employees to purchase a workers’ compensation policy. This law ensures that workers can earn an income even if they become temporarily or permanently disabled from activities on the job. Some types of employees, like independent contractors, are not required to be covered under state laws. To get protection, these employees would need a separate policy.

Who Pays for Workers’ Compensation Premiums?

The beneficiaries of worker’s compensation are employees, but employers or business owners pay for the premiums. Employees who want to get their own insurance policy to protect themselves from debilitating injuries should get disability insurance.  A disability insurance policy can protect them from injuries on and off the job.

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Driving Instructor Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $43 $516 $0-$500
Professional liability insurance $60 $720 $1,000-$2,000
Commercial property insurance $62 $744 $1,000-$2,000
Business owner’s policy $72 $864 $1,500
Commercial auto insurance $60 $720 $500-$1,000
Workers compensation insurance $94 $1,128 $2,000-$5,000

The average driving instructor insurance cost is $43 per month or $516 per year for a $1 million general liability policy. Factors that affect the driving instructor insurance cost estimates are claims history, business history, policy limits, deductibles, number of employees, and location. See our driving instructor insurance comparison below, which shows the rates of the best companies for a $1 million general liability policy:

Cost per Month Cost per Year Best for
NEXT $25 $300 Best overall; Fastest general liability insurance for driving instructors
The Hartford $27 $324 Workers comp insurance for driving instructors
CoverWallet $30 $360 Comparing driving instructor insurance quotes online
Tivly $32 $384 Comparing driving instructor insurance quotes over the phone
Thimble $36 $432 Short-term general liability insurance for driving instructors
Hiscox $39 $468 Worldwide coverage for driving instructors
Allianz $46 $552 Driving instructor expertise

Suppose you are looking for a driving instructor insurance online quote. Click the “Get Quotes” button on this page to start. 

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Best Driving Instructor Insurance Companies

We have reviewed the companies that will save you money through liability protections in their policy options. Read on to know their pros, cons, and average rate for a $1 million general liability policy.

NEXT Driving Instructor Insurance


  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for driving instructors

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 


  • Couldn’t find any

NEXT has policies that offer collision protection, rental reimbursement, and property damage for driving instructors. You can pick up a general liability policy, professional liability, commercial property insurance, and many more options. The company has an excellent premium price and a suite of policies you can build a good driving instructor policy around. Next has an A- rating with AM Best, a high mark for financial security. They also have high customer satisfaction, as evidenced by their Better Business Bureau rating of B+. NEXT’s driving instructor insurance price is $25 per month. 

Best for: Best overall; Fastest general liability insurance for driving instructors

Average cost: $25 per month

Our rating: 10/10 

The Hartford Driving Instructor Insurance


  • Education industry-focused policies

  • Developed by a team of underwriting experts

  • Discounts and benefits for AARP members 


  • Policies don’t cover every state

The Hartford has industry experience with educators and can develop a policy from which a driving instructor can benefit. They offer policies or your driving instructor’s business like general liability, commercial property, and commercial auto. The Hartford has an A- rating from AM Best. They have over 200 years of experience in the insurance industry and write $11 billion in premiums annually.

Best for: Workers comp insurance for driving instructors

Average cost: $27 per month

Our rating: 10/10

CoverWallet Driving Instructor Insurance


  • Digital marketplace to make it easy to compare quotes

  • Specialized industry insurance

  • Helps you find cost-effective policies


  • Not an insurance company but an insurance broker 

CoverWallet acts as your digital wallet to build the perfect driving instructor insurance policy. They have general liability, commercial auto, professional liability, business owner’s policy, and more options to construct an excellent policy. They let you easily compare quotes with different partners and have a BBB rating of A+ for their high customer reviews.

Best for: Comparing driving instructor insurance quotes online

Average cost: $30 per month

Our rating: 10/10 

Tivly Driving Instructor Insurance


  • Connects you with the right insurance companies

  • Over 200 partners to choose from

  • Easy to customize and update insurance policies


  • Doesn’t write the policies

Tivly is one of the best driving instructor insurance brokers because they have over 200 partners to build your policies from. They offer critical policies like general liability, professional liability, and commercial property but also have specialized policy suggestions so you know what policy to get. Tivly has an A rating from the BBB and is experienced in the online and digital marketplace. Call now to compare quotes over the phone. 

Best for: Comparing driving instructor insurance quotes over the phone

Average cost: $32 per month

Our rating: 10/10

Thimble Driving Instructor Insurance


  • Easy-to-use app

  • Lots of informative resources for first-time buyers

  • Lets you set your policy duration down to the month, day, and hour.


  • Online-only customer service experience

Thimble is an A+ rated insurance company from the Better Business Bureau. They offer general liability, professional liability, business owner’s policy, and professional liability policies that a driving instructor will need for their business. Thimbles Business owners policy includes unique options like business building and contents insurance, providing extra protection. Their app is straightforward and has received accolades from respected magazines like Forbes.

Best for: Short-term general liability insurance for driving instructors

Average cost: $36 per month

Our rating: 10/10 

Hiscox Driving Instructor Insurance


  • 14-day refund policy

  • Customize insurance to risks specific to your business

  • User-friendly website and excellent customer experience

  • Buying multiple policies from Hiscox gets you a discount


  • Some policies don’t cover every state

Hiscox offers you personalized policies that their agents provide by working closely with you and analyzing your business needs. They have options for driving instructors like general liability, professional liability, business owner’s policy, and worker’s compensation. Hiscox earned an A rating from AM Best for its financial strength. They serve mainly small businesses that comprise most of their client base.

Best for: Worldwide coverage for driving instructors

Average cost: $39 per month

Our rating: 10/10 

Allianz Driving Instructor Insurance


  • Informative resources

  • Budget-friendly insurance

  • Pupil personal accident with 24/7 coverage


  • Lacks some options compared to others

Allianz driving instructor insurance is an insurer that has experience in the school and education industry. They offer a pupil personal accident policy that helps you get 24/7 attention to the claims of your driving instructor pupils. They offer policies like niche insurance that can cover you when other policy products may not. Allianz has an A+ rating from the BBB and an impressive A+ rating from AM Best.

Best for: Driving instructor expertise

Average cost: $46 per month

Our rating: 10/10

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