Driving Instructor Insurance Estimator (2025) – Get a Quick Premium Estimate
Estimate your annual driving instructor insurance cost based on your car type, usage, and experience level.
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Driving Instructor Insurance Calculator
Fill in your details to get an instant driving instructor insurance premium estimate
Step 1 – Personal & Vehicle Info
Step 2 – Cover Details
Coverage for pupils during lessons
Dual control system in vehicle
Third-party liability protection
What Affects Driving Instructor Insurance Costs?
Key Factors:
- • Teaching hours per week
- • Region and claim rates
- • Pupil coverage inclusion
- • Car type (dual-control cars often cost more)
- • No-claims discount years
Cost Influencers:
- • Instructor qualification level (ADI vs PDI)
- • Annual mileage and lesson frequency
- • Vehicle value and type
- • Coverage level and add-ons
- • Claims history and driving record
What Affects Driving Instructor Insurance Costs?
Experience & Qualification
- • ADI vs PDI status (Approved instructors get better rates)
- • Years of teaching experience
- • No claims bonus history
Vehicle & Usage
- • Vehicle type and value
- • Annual mileage and teaching hours
- • Dual control installation
Location & Risk
- • Regional claim rates
- • Urban vs rural teaching areas
- • Local traffic density
Coverage Options
- • Pupil coverage inclusion
- • Public liability limits
- • Comprehensive vs third-party
Typical Premium Ranges (UK, 2025)
| Experience | Avg Annual Premium | Common Add-ons |
|---|---|---|
| <1 year | £1,200–£1,600 | Pupil cover, liability |
| 1–3 years | £950–£1,200 | Dual-control car |
| 3–5 years | £800–£1,000 | No-claims bonus |
| 5+ years | £650–£850 | Advanced instructor cover |