Determining which company has the lowest-priced car insurance rates for Uber drivers takes a little more sweat than just getting one or two price quotes. Every insurance provider used slightly different criteria for determining rates in each state, so let’s rank the car insurance companies that tend to have lower prices in Long Beach.
Find the Cheapest Auto Insurance for Your Uber Vehicle
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Allstate | $1,543 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,750 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
| Find Cheaper Rates Go | ||
USAA may have some of the best car insurance rates in Long Beach at around $1,121 per year. This is $530 less than the average price paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also some of the best Long Beach, CA auto insurance companies.
As the rates illustrate above, if you are insured with Century National and switched to USAA, you may realize an annual premium reduction of about $69. Insureds with Wawanesa may save as much as $71 a year, and CSAA customers might lower prices by up to $77 a year.
If you want to find out if you’re overpaying, click here to get quotes or quote prices from the following companies.
Be aware that those policy prices are averaged across all types of insureds and vehicles and do not take into consideration an exact location for Uber drivers. So the car insurance company that has the lowest price for you may not even be in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
The vehicle that needs insurance is a significant factor that determines whether or not you find cheap insurance for Uber drivers. Vehicles with limited top-end speed, an excellent safety record, or a track record of few liability claims will cost much less to insure than fast, unsafe models. The information below features car insurance rates for a selection of the most economical vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,166 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,184 |
| Ford Fusion S 4-Dr Sedan | $1,247 |
| Ford F-150 FX4 4WD | $1,271 |
| Honda CR-V EX 2WD | $1,294 |
| Ford Escape Limited 4WD | $1,308 |
| Chevrolet Impala LS | $1,403 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,410 |
| Honda Accord EX-L 2-Dr Coupe | $1,427 |
| Toyota RAV4 Sport 2WD | $1,429 |
| Chevrolet Malibu Hybrid | $1,434 |
| Nissan Altima 2.5 4-Dr Sedan | $1,429 |
| Chevrolet Equinox LT AWD | $1,436 |
| Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD | $1,450 |
| Ford Explorer Eddie Bauer 4WD | $1,457 |
| Ford Focus SES 4-Dr Sedan | $1,478 |
| Ford Edge SEL 2WD | $1,501 |
| Toyota Camry SE | $1,504 |
| Hyundai Elantra SE 4-Dr Sedan | $1,514 |
| Honda Odyssey Touring | $1,532 |
| Jeep Grand Cherokee Laredo 4WD | $1,537 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,532 |
| GMC Sierra SLE Extended Cab 4WD | $1,541 |
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in zip code location which can lower or raise coverage rates considerably.
Looking at the numbers, cars like the Toyota Prius, Jeep Wrangler, Ford Fusion, and Ford F-150 will be some of the cheaper vehicles to insure for Uber vehicles.
Discount Long Beach car insurance
Insurance providers that offer coverage for Uber drivers may also provide policy discounts that could reduce prices by 35% or more if you qualify for them. A few popular companies and their possible discounts are:
- The Hartford has discounts for vehicle fuel type, driver training, defensive driver, bundle, air bag, and anti-theft.
- American Family offers discounts including accident-free, air bags, Steer into Savings, defensive driver, and early bird.
- Progressive may include discounts for multi-policy, homeowner, online quote discount, online signing, and multi-vehicle.
- Travelers policyholders can earn discounts including early quote, hybrid/electric vehicle, driver training, good student, payment discounts, and save driver.
- Farmers Insurance may offer discounts for homeowner, multi-car, good student, mature driver, teen driver, and business and professional.
- USAA may have discounts that include military installation, family discount, multi-policy, vehicle storage, good student, multi-vehicle, and loyalty savings.
- Liberty Mutual includes discounts for newly retired, good student, newly married, safety features, and new move discount.
The example below shows the difference between auto insurance costs with and without policy discounts. The premiums assume a male driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, marriage, passive restraint, defensive driving course, and claim-free discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for Uber drivers is 28% or $957.
The example below highlights how deductible selection can affect insurance prices when researching cheap insurance for Uber drivers. The information is based on a married male driver, full coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could save $460 a year by changing from a $100 deductible to a $500 deductible, or save $692 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, could save $1,398 or even more just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it is necessary to have additional funds in a savings account to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Compare quotes and save
Long Beach car insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Simply having a birthday, adding a teenager to your policy, or getting a DUI can trigger price changes that can cause some rates to be more affordable than before.
In addition to those changes, car insurance companies modify pricing as often as every quarter in order to offset underwriting gains or losses. A period of higher than normal claims may result in rate hikes, while profitable underwriting can produce cheaper Long Beach car insurance rates.
For instance, the data below shows the cheapest car insurance in Long Beach, CA for a 40-year-old male driver with no prior accidents, a clean driving record, and a good credit rating. If we look at prices based on his personal risk profile, USAA quotes the cheapest car insurance rates in Long Beach at $1,333 each year. This is $318 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also on the list of the top five cheapest Long Beach, CA auto insurance companies.
Now we will give the driver in the first chart some claims, poor credit, and a traffic ticket or two. Because each company has a unique approach for determining prices, comparing prices will most likely result in a different list of cheap Long Beach auto insurance companies as shown below.
Grange now has the cheapest insurance rate in Long Beach, CA with Mercury, GEICO, Allied, and Progressive also being competitive. This example illustrates why it is so important to spend some time comparing rates when trying to find affordable insurance rates for Uber drivers.
Insurance prices can be determined by many factors and can change without notice, so the best option two years ago may now be one of the higher cost companies.
The Long Beach car insurance agencies listed below can help you determine which coverage meets your needs best, as many consumers aren’t sure which coverage to buy and prefer to have some advice when comparing insurance rates for Uber drivers. It can be difficult to do it yourself, so a professional agent can provide you peace of mind knowing your policy gives you adequate asset protection. To locate a Long Beach insurance agent near you, click the button at the bottom of the list or click here to compare rates now.
- Allstate Insurance: Braden Palmer
5000 E Spring St Ste 390 – Long Beach, CA 90815 – (562) 425-5109 - Vali De Vries – State Farm Insurance Agent
1777 N Bellflower Blvd #111 – Long Beach, CA 90815 – (562) 494-7700 - Farmers Insurance – Debra Gonzalez
6390 E Willow St – Long Beach, CA 90815 – (562) 795-0488 - Jose Olguin – State Farm Insurance Agent
4464 California Pl – Long Beach, CA 90807 – (562) 427-2014
More Long Beach, CA insurance agents
Tips for finding the cheapest auto insurance for Uber drivers
It’s not impossible to find cheaper rates, and here are a few thrifty suggestions that can help Long Beach drivers buy cheaper car insurance.
- Safe vehicles cost less to insure
- Being accident-free can lower rates significantly
- Good credit can save money
- Do not get traffic tickets
- If your vehicles are older, consider dropping full coverage
- Increase your comprehensive and collision deductibles
- Comparison shop at least every other year
The final tip is certainly significant, as was noted in the prior information. Auto insurance rates in Long Beach vary considerably, so don’t be unwilling to switch to a new company if you find a cheaper price.
Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that loyalty ends up costing a wad of cash every year. Now is a great time to compare prices and find cheaper insurance for Uber drivers.