If you are a driving school instructor, having driving school insurance is an absolute necessity. Insurance protects you from any liability that may occur during an traffic accident. Vehicle insurance is also known as auto insurance that provides financial assistance to the owner for physical injuries or property damage resulting from a crash. Since beginning drivers are more prone to accidents, having driving school without driving school insurance is a business disaster just waiting to happen.

In addition to driving school insurance you should also make sure that each of your driving instructors have driving instructor insurance as well.  The driving instructor insurance not only covers the instructor, but also the student.  The driving instructor insurance is just like personal car insurance in the sense that it is mandatory for each of your drivers.


The Businessman, The Instructor and The Student-Why You Need Full Insurance Coverage

Being a driver instructor is like working out of a dual-controlled car. You are responsible for both yours and your student's actions while the student is in your instruction vehicle.  This is why you have control of the car from the passenger's side while the student driver is on the driver's side.  The responsibility and liabilities are yours and not with the novice driver.  Having insurance driving instructor insurance as well as insurance for your driving school just gives you extra added protection just incase the unthinkable happens.

Your credentials is what drives novice drivers and their parents to your driving school.  When parents hand over their vulnerable children to you, they want to make sure that they are in safe hands (in all respects). In case of a serious accident while the car is out for instruction with a driving student, you want to make sure all your bases are covered.  The last thing you want is to be sued by an angry parent of a driving student or a nervous beginning driver who may have cause an accident because they now have to pay for medical costs out of their own pockets.

Find the best insurance companies that will cover both your driving school and your driving instructors for everything from a minor scratch to a major highway accident.  You may even find some insurance companies that will bundle the two different but very connect types of insurances into one fabulous deal for greater savings.

Best Insurance Companies For Driving School Insurance and Driving Instructor Insurance

Stick with the big insurance companies for this one.  Since we are talking about your business and livelihood as well as other people's safety, you should go with a reputable and well established insurance company.  Going to a little mom and pop insurance company for your driving school insurance as well as insurance for your driving instructors is perhaps one of the biggest mistakes you can make.  Unless they have been established in business for at least one or two decades, you should really not give them a second glance.  Big insurance companies that have personal insurance, car insurance or business insurance should be able to place together a quote for you. Now is the time to ask for bundles and deals. It is up to you whether you want to have both your driving school insurance and the insurance for your instructors with the same company.  You have to come to that decision based on your own needs, any discounts given by the company and any laws or ordinances that exist in your city or state that governs this process.

Try Getting An Instant Insurance Quote From The Following Companies


Office Address: One Geico Plaza Bethesda, MD 20810-0001

Mailing address: depends on the subject of your mailing

Phone no: 1-800-861-8380

Website: www.geico.com



Office Address: 650 Davis Street San Francisco, CA 94111-1981, United States

Mailing address: Esurance Sales Fulfillment P.O. Box 5262 Sioux Falls, SD 57117-5262

Phone no:  1-800-378-7262

Email: customerservice@csr.esurance.com

Fax: 1-800-684-4675

Website: www.esurance.com


Liberty Mutual

Office Address: Liberty Mutual Group, Inc.175 Berkeley Street Boston, Massachusetts 02116

Phone no:  1-888-398-8924 (customer service) / 1-617-357-9500 (office)

Website: www.libertymanual.com


 State Farm

Office Address: State Farm Insurance One State Farm Plaza Bloomington, IL 61710

Phone no:  1-888-559-1922

Email: info@statefarm.com

Website: www.statefarm.com



Office Address: Allstate Insurance Company P.O. Box 12055 1819 Electric Rd. S.W. Roanoke, VA 24018

Phone no:  1-800-255-7828

Website: www.allstate.com



Office Address: The Progressive Corporation 6300 Wilson Mills Road Mayfield Village, Ohio 44143

Phone no: 1-800-776-4737  

Website: www.progressive.com


 AAA (American Automobile Association)

Office Address: 1000 AAA Dr. Heathrow,  32746 United States  

Phone no: 800-222-4357


Website: www.aaa.com


 21st Century Insurance

Office Address: 21st Century Insurance 3 Beaver Valley Road Wilmington, DE 19803

Phone no: 1-877-310-5687

Website: www.21st.com



Phone no: 1-877-669-6877

Website: www.nationwide.com


USAA (United Services Automobile Association)

Office Address: 9800 Fredericksburg Road San Antonio, TX 78288

Phone no: 1-800-531-8722

Website: www.usaa.com


So What Does It Cost To Insure My Driving School Business As Well As My Instructors?

Driving school insurance and driving instructor insurance can be expensive but there are ways to lower the costs. Some of the insurance companies like State Farm can give great deals like their safe driver discount (not getting in an accident in any particular year, can give you  discounts for the following year). It is safe to say that you can expect to pay around $300-$600 per month for both types of insurances depending on what you get and depending on what state you live in. However, as mentioned before, there are great discounts and deals with each company that you can take advantage of to lower your monthly and yearly costs.

Before you call the companies to get your free instant insurance quotes, you should make sure that you write down everything you think you will need coverage for.  It is easy to "over-buy" if you are not prepared.  So make sure you make of list of exactly what you are looking for.  An experienced insurance sales person will be able to take your list, give you further advise and come up with a good package deal for you.  Make sure you get a few quotes before you settle on just one.

When choosing insurance, also make sure that you understand all the details of your insurance plan. Read everything carefully even the small font-sized sentences, because it can include hidden charges. And if you don’t understand something, ask. It is never wrong to ask for clarification, it's your money and you need to be clear on how you are spending it. Talk to your fellow instructors, or driving schools (Actually, this should perhaps be one of the first things you do before you get a quote). Even rival driving school businesses may not have a problem with sharing this information with you.  If you belong to a club or a union, this is also a great place to get advice on the best company to choose. This is a very important and can be a very costly decision if you don't take your time and make it properly, so don't rush.  Start with research, then interview other driving schools and then get your free instant insurance quotes so you can make a well-informed business decision.