The car, truck, or SUV requiring coverage is one of the main factors when consumers are trying to find the lowest-priced coverage for Uber drivers. Vehicles with lots of speed or power, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than safer models.
The data below showcases coverage premiums for the most cost-effective vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $971 |
| Ford F-150 XL Regular Cab 2WD | $1,004 |
| Toyota Prius | $1,077 |
| Toyota Tacoma 4WD | $1,089 |
| Ford Escape XLT 2WD | $1,097 |
| Honda CR-V EX-L 2WD | $1,126 |
| GMC Sierra SLE Crew Cab 2WD | $1,151 |
| Jeep Grand Cherokee Laredo 2WD | $1,159 |
| Toyota RAV4 4WD | $1,151 |
| Chevrolet Malibu LS | $1,161 |
| Chevrolet Impala LTZ | $1,213 |
| Dodge Grand Caravan Hero | $1,260 |
| Ford Fusion S 4-Dr Sedan | $1,270 |
| Ford Focus SE 4-Dr Sedan | $1,266 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,268 |
| Get a Custom Quote Go | |
Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in zip code location which can revise coverage rates noticeably.
Looking at the numbers, you can see that makes and models like the Honda Accord, Ford F-150, and Toyota Prius are the cheapest vehicles to insure for Uber vehicles.
One of the many things that determine car insurance rates is the neighborhood you call home. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.
The table below shows the most expensive areas in Texas for Uber drivers to buy auto insurance in. Lubbock comes in at #15 with the annual price of $1,682 for coverage, which is about $140 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Houston | $1,909 |
| 3 | Brownsville | $1,908 |
| 4 | Dallas | $1,855 |
| 5 | Garland | $1,850 |
| 6 | Laredo | $1,833 |
| 7 | Mesquite | $1,825 |
| 8 | Amarillo | $1,786 |
| 9 | Grand Prairie | $1,757 |
| 10 | Beaumont | $1,754 |
| 11 | Pasadena | $1,740 |
| 12 | San Antonio | $1,739 |
| 13 | Irving | $1,736 |
| 14 | Arlington | $1,709 |
| 15 | Lubbock | $1,682 |
| 16 | Carrollton | $1,664 |
| 17 | Austin | $1,659 |
| 18 | McKinney | $1,609 |
| 19 | Fort Worth | $1,604 |
| 20 | El Paso | $1,584 |
| Find the Best Rates Go | ||
Table data uses approximated as zip code location can impact insurance rates considerably.
Impact of careless driving on insurance rates
The best way to maintain the cheapest insurance rates in Texas for Uber vehicles is to pay attention while driving and avoid traffic citations and accidents. The information below demonstrates how speeding tickets and at-fault fender-benders can impact insurance premiums for different categories of driver ages. The information is based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of an auto insurance policy in Texas per year with no violations or accidents is $1,709. Factor in two speeding tickets and the average cost surges to $2,285, an increase of $576 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of insurance for Uber drivers goes up to an average of $4,531. That’s an increase of $2,823, or $235 per month, just for not driving carefully!
Choosing the top auto insurance provider can be rather challenging considering how many companies provide coverage in Lubbock. The ranking data in the lists below may help you decide which auto insurers you want to consider shopping prices with.
These ratings only include companies who write in the majority of U.S. states, so smaller regional companies are not taken into consideration for these rankings. To check rates from these top-rated insurers and more, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Lubbock auto insurance rates
Car insurance companies that offer coverage for Uber drivers may additionally offer discounts that can reduce rates by 30% or more if you are eligible to receive them. The best insurance companies and some of the discounts are detailed below.
- Farm Bureau offers discounts for safe driver, renewal discount, multi-vehicle, multi-policy, and good student.
- Liberty Mutual may offer discounts for new vehicle discount, new graduate, exclusive group savings, preferred payment discount, new move discount, teen driver discount, and hybrid vehicle.
- State Farm has savings for good student, good driver, accident-free, multiple autos, and Drive Safe & Save.
- Auto-Owners Insurance includes discounts for mature driver, anti-theft, air bags, safe driver, company car, and multiple vehicles.
- GEICO offers premium reductions for membership and employees, good student, anti-lock brakes, air bags, anti-theft, daytime running lights, and defensive driver.
- SAFECO discounts include anti-lock brakes, drive less, safe driver, multi-car, bundle discounts, and anti-theft.
The example below shows the comparison of insurance costs with and without policy discounts. The rates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, passive restraint, claim-free, homeowner, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for Uber drivers is 28% or $745.
How to find cheaper insurance for Uber drivers
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help Lubbock drivers get cheap coverage.
- Full coverage is expensive so only insure older vehicles for liability only
- Safe vehicles cost less to insure
- Save money by insuring your home and auto with the same company
- Good credit can mean cheaper rates
- Having at-fault accidents will increase rates
- Compare rates once a year for cheaper prices
The last tip in the list is certainly valuable, as was noted in the article above. Auto insurance rates go up and down frequently, so don’t hesitate to buy from a different company if you find a cheaper price. Many consumers stick with the same company and that’s fine, but we do not recommend it if that stubbornness costs you major coinage every year. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for Uber drivers in Lubbock.
If you aren’t sure which coverage to buy and prefer to have some professional guidance when trying to find lower insurance rates for Uber drivers, the insurance agencies below are willing to aid you in deciding which policy fits your needs best.
To find a Lubbock insurance agency in your neighborhood, click the button link following the list or click here to compare price quotes.
Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE G – Lubbock, TX 79424 – (806) 745-2555
Allstate Insurance Agent: Marvin Grimes
6102 82nd St Unit 3b – Lubbock, TX 79424 – (806) 797-2607
Scott Powell – State Farm Insurance Agent
3410 98th St Ste 3 – Lubbock, TX 79423 – (806) 793-2855