The car, truck, or SUV you are insuring is one of the largest considerations when shopping around for the lowest-priced car insurance for Uber drivers. Vehicles with high performance, a lack of safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.
The next list ranks auto insurance prices for a selection of the cheaper vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$1,314|
|Ford Escape Limited 4WD||$1,397|
|Hyundai Elantra SE Touring Station Wagon||$1,407|
|Chevrolet Malibu LT||$1,419|
|Ford Explorer Limited AWD||$1,426|
|Dodge Grand Caravan CV||$1,438|
|Nissan Rogue SL 2WD||$1,490|
|Ford Fusion Sport 4-Dr Sedan||$1,494|
|Jeep Grand Cherokee SRT-8 4WD||$1,504|
|GMC Sierra SLE Regular Cab 4WD||$1,494|
|GMC Sierra 3500HD SLE Extended Cab 2WD||$1,519|
|Ford F-150 STX Super Cab 4WD||$1,526|
|Ford Edge Limited 2WD||$1,531|
|Honda Civic GX 4-Dr Sedan||$1,541|
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific zip code location which can revise coverage rates noticeably.
Looking at the data, we can tell that models like the Honda CR-V, Ford Escape, Hyundai Elantra, Chevrolet Malibu, and Ford Explorer are a few of the most budget-friendly vehicles to insure for Uber vehicles.
For Uber vehicles, one of the big components that are looked at to determine the cost of insurance is where you keep your car. Regions with more people or even just more weather-related claims likely pay more, whereas areas with less crime or weather claims can boast about having cheaper rates.
The illustration below sorts the most costly cities in Arizona for Uber drivers to buy car insurance in. Tucson is ranked #17 with the yearly price of $1,072 for the average policyholder, which is approximately $89 per month.
|3||San Tan Valley||$1,185|
|24||Lake Havasu City||$878|
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Information shown are comparative as the specific zip code location can change price quotes greatly.
Finding decent, reasonably-priced insurance is confusing at best, and determining which insurers offer the best car insurance rates for Uber drivers involves additional perseverance. Each insurance company has their own guidelines for filing rates in each state, so we'll take a look at the most competitive car insurance companies in Tucson, AZ.
It's important that you understand Arizona car insurance rates are based on many factors which can substantially change the price you have to pay. Things like getting older, buying a safer car, or getting a speeding ticket can trigger changes in premium that may make certain companies more expensive than competitors.
Find the Cheapest Auto Insurance for Your Uber Vehicle
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford has some of the lowest car insurance rates in Tucson at around $820 a year. Auto-Owners, Safeco, USAA, and Travelers are also some of the cheaper Tucson, AZ car insurance companies.
In the above rates, if you are a customer of Auto-Owners and switched to The Hartford, you might achieve a yearly savings of upwards of $77. Customers with Safeco could save as much as $85 a year, and USAA policyholders might lower prices by up to $260 a year.
Remember that these policy prices are averages across all drivers and vehicles in Arizona and and are not calculated with an exact location for Uber drivers. So the auto insurance company that can offer you the best rate may not even be in the top 28 companies shown above. That helps illustrate why you need to get quotes using your own personalized driver profile and vehicle information.
The illustration below illustrates how your choice of deductibles can influence insurance premiums when searching for cheap insurance for Uber drivers. The costs are based on a single female driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could pocket $236 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $358 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, could potentially save as much as $602 or even more by selecting a higher deductible.
If you do make the decision to raise your deductibles, it's a good idea to have emergency funds available to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.
Arizona car insurance companies ranked
Ending up with a good quality car insurance provider is difficult considering how many different insurance companies sell coverage in Tucson. The company ratings shown next can help you choose which auto insurance companies to look at purchasing from. These ratings only include companies with a national presence, so companies that may only write in Arizona are not factored into this list.
Top 10 Large Auto Insurance Companies in Tucson Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Large Auto Insurance Companies in Tucson Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Violations and accidents raise rates
In a perfect world, the ideal way to score the cheapest car insurance prices for Uber vehicles is to be a cautious driver and avoid at-fault accidents and violations. The diagram below shows how traffic citations and accidents drive up insurance prices for different age categories. The premium estimates are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
In the previous example, the average cost of car insurance per year with no accidents or violations is $1,481. Add in one speeding ticket and the average cost rises to $1,719, an increase of $237 each year. Now get one accident along with the one speeding ticket and the 12-month cost of car insurance for Uber drivers jumps again to an average of $2,402. That's an increase of $921, or $77 per month, just for not driving responsibly!
How to find economical car insurance for Uber drivers
The list below summarizes many penny-pinching solutions that can help Tucson drivers find more affordable coverage.
- Bundle home and auto and save
- At-fault accidents can raise rates significantly
- Buy vehicles with good safety ratings
- Good credit scores may make rates cheaper
- Do not waste money insuring older vehicles for full coverage
- Compare rate quotes often
The last idea is certainly valuable, as was noted in this piece. Rates vary greatly, so you should be ready to change insurance companies if a lower-cost policy is available.
Having a favorite company is great, but it isn't a good idea if that loyalty ends up costing a small fortune year after year. In just a few minutes you could shop around to find cheaper car insurance for Uber drivers in Tucson.
If you have questions and prefer to have a little guidance when comparing insurance rates for Uber vehicles, the insurance agencies listed below are a good start to help you decide which auto insurance coverages would be the best in your situation.
To find a Tucson insurance agency near you, click the link at the bottom or click here to compare price quotes now.
AZ Insurance Center
8880 E Speedway Blvd #101 - Tucson, AZ 85710 - (520) 722-0665
Nancy Craney - State Farm Insurance Agent
3720 W Ina Rd #132 - Tucson, AZ 85741 - (520) 742-9947
Melissa Tureaud - State Farm Insurance Agent
7487 E Broadway Blvd - Tucson, AZ 85710 - (520) 296-9525
American Family Insurance - Juan M. Salazar Jr
1100 E Ajo Way Ste 210 - Tucson, AZ 85713 - (520) 792-2100
Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117 - Tucson, AZ 85749 - (520) 323-2500