Can I get auto insurance for a car that is used for teaching or driver education purposes?
Sometimes you need auto insurance for a car used for teaching or driver education purposes. Car insurance for a driver's education car could cost a little more than your average insurance rate. Read on to find out why insurance for a car used for teaching may not cost the same.
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Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Zach Fagiano
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Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Chris Abrams
Updated October 2024
- Cars used for teaching or driver education must have insurance. While in use, they encounter unique risks and liabilities
- At a minimum, liability coverage is required for cars used for driver education purposes
- Given that the car will see a lot of inexperienced drivers behind the wheel, insurance companies might set the rates higher than if it were just your car
Can I get auto insurance for a car used for teaching or driver education purposes? You can and are encouraged to get your driver’s education car insurance.
Learning to drive is an important rite of passage for many teenagers and adults alike.
However, inexperienced student drivers face different challenges and risks on the road. Otherwise, you might wonder why your auto insurance went up for no reason. Your policy coverage is very important because multiple risk factors are associated with student drivers.
Auto Insurance for Teaching Driver’s Education
Driver inexperience is one of the leading causes of car accidents. From nervousness to distracted driving, anything could go wrong at any time. The minimum car insurance to have for driver’s education is liability coverage.
For a student, learning to drive can be an anxious exercise. And when you’re nervous, you tend to make mistakes.
If the inexperienced driver happens to have an at-fault accident in your driver’s education car, the other party would have their repairs and damages resolved by your insurance company. It wouldn’t have to come out of your expenses as the teacher or driver educator, other than your deductible.
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Driver Education and Higher Auto Insurance Rates
With so many people glued to their phones, distracted driving is one of the larger issues with inexperienced drivers — another reason your insurance is important. And, if you’re using your car for driver’s education, some policies require that “only the essentials” go into the car during your teaching sessions.
Since people don’t multitask well while learning to drive, insurance companies want to help eliminate any non-essential distractions.
All it takes for an accident is a cup spilling over on the driver’s lap while attempting to make a turn. Next, you’ll be trying to find affordable high-risk auto insurance because a spilled drink caused you to rear-end somebody who slammed on their brakes.
Even while taking your driver’s education course, students can get ahead of themselves and try too much at once — while their automotive muscle memory hasn’t yet developed.
According to the Center for Injury Research & Prevention, the most common accidents involve turning left, rear-end collisions, and going off the road.
While some of these mistakes might be due to driver inexperience, they could also be linked to the brain’s frontal lobe still developing during their teenage — and early adult years, depending on when they start driving.
Read more: Who is at-fault if you rear-end somebody who slammed on their brakes?
A Final Word on Auto Insurance for a Driver’s Education Car
When learning how to get auto insurance for teaching or driver education purposes, know that liability is the minimum coverage. The quoted rates may be higher than the average due to your intended use, but given the possibilities and risks, you’d be much better off.
Frequently Asked Questions
Why is it important to have insurance for a car used for teaching or driver’s education?
Learning to drive can be a challenging experience for student drivers. Inexperience and nervousness can lead to mistakes on the road.
Insurance, at least liability coverage, ensures that damages and repairs for the other party in an accident are taken care of by your insurance company, sparing you out-of-pocket expenses.
How does driver inexperience affect insurance rates?
According to the National Highway Traffic Safety Administration (NHTSA), driver inexperience is one of the leading causes of car accidents. In addition, accidents involving inexperienced drivers can lead to higher insurance rates, as insurance companies consider them to be at higher risk.
What are common distractions for student drivers that can lead to accidents?
Distractions for student drivers can include looking around, reaching for objects in the car, taking their eyes off the road, texting, and eating. These distractions can result in accidents, which in turn can lead to increased insurance rates.
What types of accidents are most common among student drivers?
According to Children’s Hospital of Philadelphia’s Center for Injury Research & Prevention, the most common types of accidents involve those while turning left or going off the road.
While these accidents can be attributed to driver inexperience, they can also result from the ongoing development of the brain’s frontal lobe during teenage and early adult years.
What type of insurance should I get for a car used for teaching or driver’s education?
At a minimum, you should have liability insurance for a car used for teaching or driver’s education. This coverage may cost more than the average policy due to the intended use and associated risks. However, protecting yourself and your student drivers is a necessary investment.
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