Taxi & Private Hire Insurance Estimator
2025 Cost & Coverage Guide
Estimate your taxi or rideshare insurance cost in seconds. Compare pricing based on vehicle type, driver experience, and coverage level.
Step 1 – Driver & Vehicle Details
Step 2 – Coverage Details
Taxi and PHV insurance covers commercial use, passenger liability, and vehicle protection during hire operations. It's specifically designed for vehicles used for public transport.
Key Coverage Areas:
- • Commercial vehicle use during hire periods
- • Passenger liability protection
- • Third-party property damage
- • Driver injury coverage
| Country | Annual Cost Range | Notes |
|---|---|---|
| United Kingdom | £2,000 – £4,000 | Higher in London |
| United States | $3,500 – $6,000 | Includes rideshare |
| Germany | €2,500 – €4,500 | Private hire regulated |
| France | €2,000 – €3,500 | Urban rates higher |
Install Telematics
Black box or dashcam systems can reduce premiums by up to 20% by monitoring safe driving behavior.
Choose Higher Voluntary Excess
Increasing your excess can significantly reduce annual premiums while maintaining comprehensive coverage.
Maintain Clean Driving Record
No claims bonus and clean driving history are the biggest factors in reducing insurance costs.
Combine Policies for Fleet
Multi-vehicle fleet policies often offer significant discounts compared to individual policies.
Comprehensive
Covers vehicle damage, third-party damages, fire, theft, and passenger liability. Best for newer vehicles and full protection.
Third Party, Fire & Theft
Mid-range protection covering third-party liability plus fire and theft damage to your vehicle.
Third Party Only
Minimum legal cover for third-party damages and passenger liability only. Most affordable option.
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