What Car Insurance is Cheapest for Uber Drivers in Arlington?

The words “affordable” and “insurance” really shouldn’t be used in the same sentence, especially when looking for the cheapest auto insurance for Uber drivers. To help control this cost, let’s open your eyes to a few of the things that have a considerable impact on insurance rates, and see how we can help you lower the cost of the next policy you buy.

One of the more important things that aid in calculating auto insurance rates is where you choose to live. Areas with increased crime or more people tend to pay slightly more, whereas areas with less congestion have the gratification of cheaper auto insurance rates.

The next table ranks the most costly cities in Texas for Uber drivers to buy an auto insurance policy in. Arlington ranks #13 with an annual cost of $1,709 for car insurance, which is about $142 per month.

Car insurance prices in Arlington
Rank City Premium Per Year
1 McAllen $2,016
2 Laredo $1,907
3 Brownsville $1,870
4 Houston $1,853
5 Amarillo $1,840
6 Dallas $1,837
7 Garland $1,832
8 Pasadena $1,812
9 Beaumont $1,772
10 Mesquite $1,771
11 Grand Prairie $1,757
12 Irving $1,719
13 Arlington $1,709
14 San Antonio $1,688
15 Lubbock $1,665
16 Carrollton $1,647
17 Austin $1,627
18 Fort Worth $1,621
19 Plano $1,608
20 El Paso $1,584
21 Corpus Christi $1,572
22 Waco $1,569
23 McKinney $1,561
24 Abilene $1,545
25 Killeen $1,473
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Information shown are approximated as the specific Arlington residence address can revise prices significantly.

Determining which insurers offer the cheapest insurance rates for Uber drivers will involve a tad more effort in order to find the best price.

Each company uses a slightly different approach for setting prices, so let’s look at the rankings for the most affordable insurance companies in Texas. It’s important that you understand Texas insurance rates are impacted by many things that will increase or decrease the policy premium. Simply improving your credit, having a claim, or getting a DUI can trigger price changes that can cause some rates to be more affordable than before.

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Rankings for the cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,424
7 Mercury $1,461
8 State Farm $1,495
9 Nationwide $1,600
10 Safe Auto $1,613
11 Progressive $1,698
12 Allstate $1,701
13 Amica $1,705
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,249
17 Encompass $2,255
18 Unitrin $2,333
19 21st Century $2,469
20 Titan $2,594
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Travelers normally has some of the cheapest car insurance rates in Arlington at around $1,052 each year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the lowest-priced Arlington, TX insurance companies.

In the rate table above, if you have coverage with Esurance and switched to USAA, you could see an annual premium reduction of around $251. Insureds with California Casualty may save as much as $296 a year, and Mercury customers might see rate reductions of $333 a year.

It’s important to note that these policy prices are averages for all insureds and vehicles and and are not figured with an exact zip code location for Uber drivers. So the company that has the cheapest price for you may not even be in the top 23 companies in the list above. That illustrates why you need to quote rates from as many companies as possible using your own individual information.

Liability-only versus full coverage

Saving on insurance is probably important to the majority of vehicle owners, and one easy way to find cheaper insurance for Uber drivers is to not insure for full coverage. The chart below illustrates the difference between annual premium costs with full physical damage coverage and with liability coverage only. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, single status, and no other discounts are factored in.

If we average all the age groups together, comprehensive and collision coverage on your policy costs $2,671 per year over and above liability coverage. At some point, almost every driver questions if full coverage is worth the money. There is no exact rule to stop paying for full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

The chart below demonstrates how deductible levels can increase or decrease insurance costs when quoting cheap insurance for Uber drivers. The costs are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

The chart above illustrates that a 50-year-old driver could cut expenses by $302 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by selecting a $1,000 deductible. Even younger drivers, such as the Age 20 example, could shave up to $766 annually just by using higher deductibles.

When increasing deductibles, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Selecting the best insurer is difficult considering how many different companies insure vehicles in Arlington. The information below can help you decide which coverage providers you want to consider shopping your coverage with. These ratings are only comprised of the largest companies in the United States, so companies that have a smaller presence will not be included in this list.

Top Ten Insurance Companies for Uber Drivers in Arlington, TX
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
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Data Source: Insure.com Best Car Insurance Companies