The business of driving schools seems to be wrought with financial challenges.

Costs across the board are on the rise.

There is maintenance and gas to pay for. Schools say there are fewer people getting behind the wheel to teach students.

But one of the bigger financial burdens — for both student and teacher — is the cost of insurance.

A good driver pays at least $120 dollars a month for car insurance, on average. Most driving schools, though, pay almost $400 dollars each month. That's if the company doesn't have any collisions on its record and are established in the field.

"It's very hard to make that much profit. But hopefully something comes up," said Pami Pabla, who owns and operates Delta Driving School with her husband. "I think we are working for nothing. But, I enjoy it. We started this place."

The financial services commission regulates insurance rates for driving schools in Ontario. Officials there say rates are based on risk.

"Insurance companies' pricing is based on risk; in deciding how much a company or individual pays," the commission said in a statement. "They look at the likelihood of claims being made."

Pabla said insurance should be relative to the person or company buying it.

"Whoever is claiming more, they should raise their price rather than those other people that aren't claiming anything and their record is clean," she said. "They should give them a break."

Pabla said competition in the field prevents her from raising the price of classes in an effort to pay for higher insurance rates.