Best Car Insurance for Driving Instructors in 2024 (Top 10 Companies)

Explore the best car insurance for driving instructors with Progressive, State Farm, and Allstate. These providers offer competitive rates and specialized coverage tailored to address claim specifics. Progressive stands out as the primary option, offering a blend of affordability and personalized service.

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.

Our Top 10 Company Picks: Best Car Insurance for Driving Instructors

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. Find cheap car insurance quotes by entering your ZIP code above.

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#1 – Progressive: Top Overall Pick

Pros

• Innovative Solutions: Known for offering innovative solutions in car insurance.
• Balanced Coverage: Provides balanced coverage for driving instructors.
• Specialized Coverage: Offers specialized coverage for specific needs. Learn more about their offerings in our Progressive car insurance review.

Cons

• Slightly Higher Cost: Monthly rates for full coverage are slightly higher at $105.
• Limited Defensive Driving Discount: Offers a lower defensive driving discount compared to some competitors.

#2 – State Farm: Best for Safe Driving Discounts

Pros

• Safe-Driving Discounts: Offers up to 10% discount for safe-driving instructors.
• Extensive Agent Network: Recognized for customer service and has an extensive agent network.
• Affordability: Competitive rates, with $86 for full coverage and $33 for minimum coverage.

Cons

• Monthly Rates: While competitive, monthly rates are not the lowest in the list.
• Limited Defensive Driving Discount: State Farm car insurance offers a lower defensive driving discount compared to some competitors.

#3 – Allstate: Best for Online Convenience

Pros

• Comprehensive Protection: Known for providing comprehensive protection.
• Online Convenience: Offers online convenience for driving instructors.
• Defensive Driving Discount: Up to 12% discount for defensive driving instructors.

Cons

• Higher Cost: Monthly rates are on the higher side at $160 for full coverage. Learn more about their rates in our Allstate car insurance review.
• Online Convenience Focus: May not be the best fit for those who prefer traditional channels.

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#4 – Geico: Best for Policy Options

Pros

• Policy Options: Recognized for providing various policy options. Learn more in our Geico car insurance review.
• Affordability: Competitive rates, with $80 for full coverage and $30 for minimum coverage.
• Defensive Driving Discount: Up to 10% discount for defensive driving instructors.

Cons

• Limited Defensive Driving Discount: Offers a lower defensive driving discount compared to some competitors.
• May Lack Personalization: Known for being more transactional and may lack personalized service.

#5 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Offers vanishing deductible benefits for driving instructors.
• Defensive Driving Discount: Up to 12% discount for defensive driving instructors.
• Multi-Car Discount: Up to 20% discount for instructors with multiple cars. (Read more: Nationwide Car Insurance Discounts)

Cons

• Limited Information: Limited details provided in the content for a comprehensive review.
• May not Offer Specialized Coverage: Limited information on whether it offers specialized coverage for driving instructors.

#6 – Liberty Mutual: Best for Bundle Discounts

Pros

• Bundle discounts: Offers bundle discounts for driving instructors.
• Defensive driving discount: Up to 10% discount for defensive driving instructors. Learn more in our Liberty Mutual car insurance review.
• Multi-Car discount: Up to 15% discount for instructors with multiple cars.

Cons

• Higher cost: Monthly rates are on the higher side at $174 for full coverage.
• May lack specialized coverage: Limited information on whether it offers specialized coverage for driving instructors.

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#7 – Travelers: Best for Multi-Policy Discounts

Pros

• Multi-Policy Discounts: Offers multi-policy discounts for driving instructors.
• Defensive Driving Discount: Up to 15% discount for defensive driving instructors.
• Multi-Car Discount: Up to 20% discount for instructors with multiple cars.

Cons

• Customer Service: Some customers may have mixed experiences with Travelers’ customer service.
• Limited Local Presence: Travelers car insurance may have a limited local agent presence compared to other companies.

#8 – American Family: Best for Customer Service

Pros

• Customer Service: Recognized for good customer service.
• Defensive Driving Discount: Up to 12% discount for defensive driving instructors.
• Multi-Car Discount: Up to 15% discount for instructors with multiple cars. Learn more in our American Family car insurance.

Cons

• Rates: Some customers may find American Family’s rates to be slightly higher.
• Limited Availability: American Family may have limited availability in certain regions.

#9 – Esurance: Best for Add-on Coverages

Pros

• Add-on Coverages: Offers add-on coverages for driving instructors. (Read more: How do you get an Esurance car insurance quote?)
• Defensive Driving Discount: Up to 10% discount for defensive driving instructors.
• Multi-car Discount: Up to 15% discount for instructors with multiple cars.

Cons

• Limited Defensive Driving Discount: Offers a lower defensive driving discount compared to some competitors.
• May Lack Personalization: Known for being more transactional and may lack personalized service.

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#10 – Safeco: Best for 24/7 Support

Pros

• 24/7 Support: Provides 24/7 support for driving instructors. Learn more about their customer support in our Safeco car insurance review.
• Defensive Driving Discount: Up to 15% discount for defensive driving instructors.
• Multi-Car Discount: Up to 20% discount for instructors with multiple cars.

Cons

• Limited Membership Benefits: May not offer extensive non-insurance perks.
• Digital Experience: Online tools and resources may not be as advanced.

Comparing Driving Instructor Car Insurance Rates With the Best Car Insurance Companies

When it comes to insuring driving instructors and their vehicles, selecting the right insurance provider is crucial to ensure comprehensive coverage and competitive rates. Here, we compare the average monthly car insurance rates for driving instructors from some of the best car insurance companies, along with insights into the full and minimum coverage options they offer.

Car Insurance for Driving Instructors: Monthly Rates by Coverage Level & Provider

Three standout options are Progressive, State Farm, and Allstate. Progressive, with monthly rates of $105 for full coverage and $39 for minimum coverage, offers innovative solutions, albeit at a slightly higher cost. State Farm, at $86 for full coverage and $33 for minimum coverage, is recognized for its customer service and extensive agent network, striking a balance between affordability and personalized service.

Switch to Progressive and you could save hundreds on auto insurance. Then go ahead and take a load off – you’ve earned it! pic.twitter.com/xY31BYiNIi

— Progressive (@progressive) February 15, 2024

Allstate, while pricier with full coverage at $160 and minimum coverage at $61, provides comprehensive coverage for those willing to invest in added protection. When choosing among these options, driving instructors should consider their preferences and budget constraints to find the insurance that best aligns with their needs.

Required Car Insurance for 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.

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.

Car Insurance Monthly Rates for Teens by Age & Gender

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.

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. (For more information, read our article titled “Does car insurance cover passengers?“).

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

As a driving instructor, ensuring the safety and coverage of both yourself and your student is paramount while on the road. Beyond teaching driving skills, it’s crucial to adhere to specific guidelines outlined by insurance policies. Let’s explore some key considerations to keep in mind during your instructional sessions.

• Make sure that only items needed for teaching are in the car. 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.

By prioritizing the essentials and adhering to insurance regulations, you can foster a secure and effective learning environment for you and your student alike.

Read more: Understanding Your Car Insurance Policy (Complete Guide)

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Cost of Auto Insurance for Driving Instructors

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.

How to Get 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 car 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 to Research Driving Instructor Auto Insurance Coverage

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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Case Studies: Navigating Driving Instructor Insurance With the Best Insurance Companies

Examining real-life situations offers invaluable perspectives on the performance of various insurance companies for driving instructors. In these case studies, we’ll explore the firsthand experiences of instructors with prominent insurance providers, revealing insights into their policies, services, and assistance across diverse scenarios.

• Case Study #1 – Collision Coverage Dilemma With Progressive: A driving instructor, utilizing Progressive insurance, encounters a minor collision during a lesson. The student is not at fault, but the instructor is concerned about the implications for their coverage. As mentioned in our Progressive car insurance review, they are known for specialized coverage, steps in to assess the claim.

• Case Study #2 – State Farm’s Safe-Driving Discount Advantage: A dedicated driving instructor who consistently practices safe driving habits. With State Farm’s emphasis on safe-driving discounts, this instructor benefits from lower rates, reflecting State Farm’s commitment to fostering a secure environment for both instructors and students.

• Case Study #3 – Allstate’s Online Convenience for Busy Instructors: An instructor with a demanding schedule explores the convenience of Allstate’s online services. Balancing work commitments and administrative tasks, the instructor navigates Allstate’s user-friendly digital platform for policy management and claims.

By examining these experiences, instructors can make informed decisions when selecting insurance providers that best align with their requirements and priorities.

Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.

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