What Insurance is Cheapest for Uber Drivers in Irvine?

The words “bargain” and “insurance” really don’t belong together, specifically when shopping around for the lowest insurance rates for Uber drivers. To save some money, let’s familiarize you with some of the factors that can significantly affect car insurance premiums, and come up with some ways to reduce the cost of the next policy you buy.

The make and model of vehicle that needs insurance is probably the biggest factor when shopping for cheap insurance for Uber drivers. Vehicles with higher performance characteristics, a lack of safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models. The information below estimates insurance costs for a number of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Irvine, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $826
Honda Accord EX-L 4-Dr Sedan $895
Toyota Prius $914
Honda CR-V EX-L 2WD $957
Ford Edge Limited 2WD $964
Honda Odyssey EX W/Rear Entertainment $957
Nissan Altima 2.5 4-Dr Sedan $975
Chevrolet Malibu Hybrid $980
Chevrolet Equinox LT AWD $975
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $994
Ford F-150 XLT Crew Cab 2WD $1,012
Dodge Grand Caravan SE $1,017
Jeep Grand Cherokee SRT-8 4WD $1,047
Chevrolet Impala LS $1,049
Toyota RAV4 4WD $1,069
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can revise auto insurance rates greatly.

Based upon these rates, we can presume that makes and models like the Ford Escape, Honda Accord, Toyota Prius, and Honda CR-V should be some of the cheapest vehicles to insure for Uber vehicles.

Trying to find cheap insurance is not easy, and figuring out which companies quote the cheapest car insurance rates for Uber drivers requires additional perseverance. Every insurance provider uses their own formula for determining prices, so we need to take a look at the car insurance companies that tend to be cheaper in California.

Keep in mind that Irvine car insurance rates are determined by lots of factors that can increase the price you pay for coverage. Simply having a birthday, buying another vehicle, or getting into an accident can produce rate changes that can now make some companies cheaper in comparison to the competition.

Cheap Insurance Rates for Your Uber Vehicle

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 Century National $1,178
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,325
7 Grange $1,433
8 Allstate $1,497
9 Mercury $1,503
10 Progressive $1,558
11 GEICO $1,559
12 Allied $1,588
13 The Hartford $1,591
14 MetLife $1,654
15 State Farm $1,699
16 Esurance $1,739
17 Unitrin $1,750
18 Travelers $1,842
19 Bristol West $1,849
20 Farmers $2,026
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USAA quotes some of the cheapest car insurance rates in Irvine at around $1,121 per year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheaper Irvine, CA car insurance companies.

As the example above demonstrates, if you currently have a policy with Wawanesa and switched to USAA, you might achieve yearly savings of in the neighborhood of $25. Insureds with Century National could save as much as $57 a year, and CSAA policyholders might reduce prices by as much as $77 a year.

To find cheaper insurance rates for your vehicle, click here to start a quote or visit several of the following companies.

Be aware that those rates are averages for all insureds and vehicles and and are not calculated with a specific location for Uber drivers. So the car insurance company that fits your needs best may not even be in the top 24 companies shown above. That’s why you need to compare as many prices as possible using your own specific driver information and vehicle.

One of the many factors that determine car insurance rates is the neighborhood you call home in Irvine. More densely populated places tend to have higher auto insurance costs, whereas less populated areas have the benefit of cheaper auto insurance prices.

The following table lists the highest-priced areas in California for Uber drivers to buy an auto insurance policy in. Irvine is listed at #21 costing $1,343 for the average policy, which is around $112 monthly.

How much does auto insurance cost in Irvine?
Rank City Premium Per Year
1 Los Angeles $2,104
2 Glendale $2,058
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,652
6 San Bernardino $1,628
7 Fontana $1,581
8 Santa Clarita $1,580
9 Long Beach $1,578
10 Garden Grove $1,570
11 Stockton $1,556
12 Moreno Valley $1,551
13 Modesto $1,532
14 Riverside $1,527
15 Fresno $1,517
16 Santa Ana $1,497
17 Anaheim $1,488
18 Huntington Beach $1,416
19 San Jose $1,395
20 Fremont $1,389
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Prices are estimated as the specific zip code location can increase or decrease coverage rates substantially.

Types of discounts on Irvine insurance rates

Car insurance for Uber vehicles in Irvine, CAAuto insurance companies that provide policies for Uber drivers may also offer discounts that can lower rates by 30% or more if you meet specific criteria. Popular car insurance companies and the discounts they provide can be found below.

The chart below shows the comparison of insurance costs with and without discounts applied. The price estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, multiple vehicle, vehicle safety, homeowner, defensive driving course, and multiple policy discounts applied. When these discounts are applied, the average amount saved each year on car insurance for Uber drivers is 28% or $698.

The information below shows how choosing a deductible can influence insurance premiums when getting quotes for cheap insurance for Uber drivers. The price estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could pocket $488 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $736 by choosing a $1,000 deductible. Young drivers, like the Age 20 category, could roll back prices as much as $1,432 or even more by selecting a higher deductible. When raising deductibles, it will be important to have plenty of savings on hand to be able to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Impact of speeding/accidents on Irvine car insurance rates

The ideal way to snag the best car insurance premiums in Irvine for Uber vehicles is to drive safely and avoid accidents and keep your driving record clean. The diagram below demonstrates how citations and at-fault claims can increase car insurance rates for different age groups of insureds. The premiums are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied.

The chart shows that the average cost of car insurance in California per year with no accidents and a clean driving record is $2,467. Receive one speeding ticket and the average cost increases to $2,787, an increase of $320 each year. Then add two accidents along with the one speeding ticket and the annual cost of car insurance for Uber drivers jumps again to an average of $5,801. That’s an increase of $3,334, or $278 per month, just for not driving carefully!

How to find low-cost auto insurance for Uber drivers

It is possible to find better rates, and here are some of the better money-saving solutions that can help you buy cheaper coverage.

The last idea is certainly vital, as was noted in the prior information. Insurance rates in Irvine can be adjusted at any time, so don’t hesitate to switch companies if a cheaper price is available. Staying with the same car insurance company is fine, but we do not recommend it if it’s costing you money that could be used for better things. In less than five minutes you could compare rates to find cheaper auto insurance for Uber drivers.

If you have coverage questions and would like to have a professional recommendation when comparing insurance rates for Uber drivers, the insurance agencies listed below can most likely aid you in deciding which insurance coverage you need. To find an agent close to where you live, click the button link following the list or click here to compare price quotes.

More Irvine, CA insurance agents