One of the more important criteria that help determine car insurance rates is where your car is garaged. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.
The illustration below ranks the most expensive areas in California for Uber drivers to purchase a policy in. San Diego is listed at #25 with a yearly premium of $1,327 for the average policy, which is approximately $111 per month.
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Price information shown is comparative as the specific zip code location can affect rates greatly.
The vehicle needing coverage is a significant factor when consumers are trying to find economical auto insurance for Uber drivers. Vehicles with economical engines, modern passenger safety features, or low incidents of liability claims will cost much less to insure than fast, unsafe models. The table below shows insurance costs for the more affordable vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$862|
|Volkswagen Jetta S 2.5 Station Wagon||$934|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$949|
|Ford Focus SE 4-Dr Sedan||$1,001|
|Jeep Grand Cherokee Laredo 4WD||$1,020|
|Chevrolet Impala LT||$1,028|
|Toyota RAV4 Sport 2WD||$1,020|
|Ford Escape XLT 4WD||$1,083|
|Ford F-150 STX Regular Cab 2WD||$1,088|
|Chevrolet Silverado LS Extended Cab 2WD||$1,092|
|Hyundai Sonata GLS 4-Dr Sedan||$1,100|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,134|
|Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD||$1,168|
|Toyota Camry Hybrid||$1,176|
|Chevrolet Malibu Hybrid||$1,172|
|Chevrolet Equinox LT AWD||$1,179|
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in your specific San Diego, CA location which can increase or decrease insurance rates significantly.
Looking at the numbers, we can assume that models like the Honda CR-V, Volkswagen Jetta, Jeep Wrangler, and Toyota Prius are most likely to be some of the most budget-friendly vehicles to insure for Uber vehicles.
Establishing which company quotes the cheapest insurance rates for Uber drivers requires more time than just comparing a company or two. Each auto insurance company has a different process to set their prices, so we’ll go over the most affordable insurance companies in San Diego.
We do need to point out that San Diego insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Improving your credit rating, becoming a homeowner, or getting caught speeding can produce rate changes that can now make some companies more affordable than the competition.
Best Insurance Companies for Your Uber Vehicle
|Rank||Company||Cost Per Year|
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USAA offers some of the most affordable car insurance rates in San Diego at around $1,109 per year. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the cheapest San Diego, CA insurance companies.
As shown in the table above, if you are a customer of CSAA and switched to USAA, you could see savings of around $89. Policyholders with Nationwide may save as much as $104 a year, and 21st Century policyholders might see rate reductions of $216 a year.
Bear in mind that those policy prices are averages across all drivers and vehicles in California and and are not calculated with an exact zip code location for Uber drivers. So the company that is best for you may not even be in the top 24 companies shown above. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
How accidents and violations affect rates
The ideal way to earn affordable insurance premiums for Uber vehicles is to be a careful driver and avoid accidents and keep your driving record clean. The example below highlights how traffic violations and accidents can increase insurance prices for different ages of insureds. The prices are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of car insurance in San Diego per year with no accidents and a clean driving record is $1,975. Factor in one speeding ticket and the average cost jumps to $2,269, an increase of $294 each year. Next add two accidents along with the one speeding ticket and the 12-month cost of insurance for Uber drivers increases to an average of $4,804. That’s an increase of $2,829, or $236 per month, just for not being attentive to the road!
Buying coverage from a highly-rated insurance company can be difficult considering how many companies provide coverage in California. The ranking information in the lists below could help you analyze which companies to look at when buying insurance for Uber drivers.
These rankings are for companies with a nationwide focus, so companies that focus mainly on California business are not taken into consideration for these rankings. To compare prices and find cheaper insurance for Uber drivers, click this link.
Top 10 Major Auto Insurance Providers in San Diego Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurance Providers Overall in San Diego
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Low rates today, overpriced tomorrow
California insurance rates are calculated based on many things that control your annual premium. Simply having another birthday, filing a claim, or getting into an accident can produce rate changes that can make some companies cheaper in comparison to the competition. Not only that, but companies modify rates every year or even multiple times each year in order to protect their financial rating. Heavy losses may result in additional premium costs, while lower claims can produce lower-cost San Diego car insurance rates.
The data below compares the cheapest car insurance in San Diego, CA for a 45-year-old female driver with a clean driving record, no accidents, and good credit. If we look at prices based on her current risk factors, USAA may offer the cheapest car insurance rates in San Diego at $1,205 each year. This is $446 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the cheapest San Diego, CA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example an accident claim, a lower credit rating, and a traffic ticket or two. Because each insurer uses a different method for setting rates, analyzing rates most likely will result in a slightly different list of the cheapest companies as shown below.
Grange now has the lowest price in San Diego with Allstate, Progressive, GEICO, and Mercury now being in the top five. This example demonstrates why it is critical to perform a complete rate comparison when trying to find the most budget-friendly auto insurance rates for Uber drivers. Insurance prices are calculated by many things and change dramatically, so the most affordable company a year ago may now cost much more than other companies.
The insurance agencies below can probably help you make a decision which policy is best, as some drivers aren’t sure which coverage they need and prefer to have a consultation when shopping for the best coverage for Uber vehicles. It’s not always simple to find the best coverage yourself, so a professional agent can give you comfort knowing your policy gives you adequate protection in the event of a claim.
To locate an agency nearest to you, click the link after the list or click here to compare price quotes now.
- Stanley Wong Insurance
4619 Convoy St # C – San Diego, CA 92111 – (858) 569-0383
- Lisa Keith – State Farm Insurance Agent
1635 Rosecrans St b – San Diego, CA 92106 – (619) 694-4788
- Karen L Wroan – State Farm Insurance Agent
12780 High Bluff Dr #180 – San Diego, CA 92130 – (858) 755-7553
- Leavitt Insurance Agency of San Diego
380 Stevens Ave – Solana Beach, CA 92075 – (858) 259-5800
- Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995
How to find cheaper insurance for Uber drivers
Here are a few thrifty solutions that can help California drivers quote cheap coverage.
- Drive attentively and avoid accidents
- Violations and traffic tickets increase rates
- Full coverage may not be needed on older vehicles
- Raise deductibles to save money
- Avoid price increases by not filing claims
- Compare rate quotes frequently
That last idea is remarkably valuable, as was noted in the prior article. Insurance rates in San Diego fluctuate considerably, so don’t be afraid to buy a different policy if a cheaper rate is available.
We understand brand loyalty, but it isn’t a good idea if that loyalty results in overpaying a lot of money every month. It only take a few minutes to compare prices to find cheaper car insurance for Uber drivers.