What Car Insurance is Cheapest for Uber Drivers in Dallas?

For Uber vehicles, one of the big criteria that aid in calculating insurance cost is where you keep your car. Areas with high crime rates or more dense population will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The next table sorts the most expensive areas in Texas for Uber drivers to purchase a policy in. Dallas is ranked #5 having an annual price of $1,893 for the average insurance policy, which is approximately $158 each month.

How much does auto insurance cost in Dallas?
Rank City Premium Per Year
1 McAllen $1,996
2 Houston $1,909
3 Brownsville $1,908
4 Laredo $1,907
5 Dallas $1,893
6 Amarillo $1,858
7 Grand Prairie $1,811
8 Mesquite $1,807
9 Garland $1,778
10 Pasadena $1,758
11 Irving $1,719
12 Lubbock $1,716
13 Beaumont $1,702
14 San Antonio $1,688
15 Austin $1,676
16 Arlington $1,642
17 Plano $1,624
18 Fort Worth $1,621
19 Carrollton $1,598
20 McKinney $1,577
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Price information shown is comparative as the specific Dallas residence address can decrease or increase premium rates noticeably.

The type of vehicle you are insuring is a significant factor that determines the availability of low-priced coverage for Uber drivers. Vehicles with lower performance, an excellent safety record, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models.

The next table presents car insurance costs for a handful of the cheaper automobiles to insure in Texas.

Cheapest Vehicles to Insure in Dallas, TX
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,282
Honda CR-V EX-L 4WD $1,310
Chevrolet Silverado LS Regular Cab 4WD $1,410
Toyota Prius $1,415
Honda Accord EX 4-Dr Sedan $1,467
Toyota RAV4 4WD $1,515
Toyota Corolla XLE $1,595
Kia Optima LX $1,623
Jeep Grand Cherokee SRT-8 4WD $1,631
Chevrolet Impala LS $1,708
Ford Focus SE 4-Dr Sedan $1,713
Volkswagen Jetta SE 2.5 Station Wagon $1,713
Toyota Camry Hybrid $1,731
Ford Fusion SEL AWD 4-Dr Sedan $1,734
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $1,743
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in zip code location which can lower or raise coverage prices noticeably.

Looking at the numbers, we can tell that makes and models like the Ford Escape, Honda CR-V, Chevrolet Silverado, and Toyota Prius are most likely to be the most budget-friendly vehicles to insure for Uber vehicles.

Cost comparison with and without full coverage

Saving on insurance is probably important to the majority of drivers, and one of the fastest ways to find cheap insurance for Uber drivers is to not pay for full coverage. The chart below shows the comparison of insurance rates with full coverage and liability only. The rates are based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are applied.

If the expense is averaged for all age categories, physical damage insurance costs an additional $2,181 per year more than carrying just liability coverage. That is a large expense which might make you wonder if buying full coverage is worth the money. There is no exact rule of when to exclude physical damage coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s say your vehicle’s settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after the deductible is paid. If you are paying more than $700 a year for your policy with full coverage, then it might be time to buy liability only.

Buying coverage from a highly-rated car insurance company can be challenging considering how many companies sell insurance in Dallas. The ranking information listed below can help you select which car insurance providers you want to consider comparing price quotes from. These rankings are only comprised of the largest companies in America, so smaller regional companies are not factored into these rankings.

Top Insurance Companies for Uber Drivers in Texas
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
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Data Source: Insure.com Best Car Insurance Companies

Drive safe and save

In a perfect world, the best way to obtain good insurance prices for Uber vehicles is to be a cautious driver and avoid tickets and accidents. The illustration below shows how violations and at-fault accidents can raise insurance costs for each age group. The price estimates are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.

In the prior example, the average cost of car insurance in Texas per year with a clean driving record and no accidents is $2,067. Receive two speeding tickets and the average cost increases to $2,783, an increase of $715 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of insurance for Uber drivers increases to an average of $3,498. That’s an increase of $1,431, or $119 per month, just for not keeping your driving record clean!

The Dallas car insurance agencies listed below can probably answer your questions and help you decide which is the best policy, as some drivers wish to have a professional recommendation when shopping for cheaper insurance for Uber vehicles. It can be hard to do it yourself, and insurance agents can give you peace of mind knowing your policy gives you enough coverage when you need it.

To locate a Dallas car insurance agency closest to you, click the button link following the list or click here to compare prices now.

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