What Auto Insurance is Cheapest for Uber Drivers in Houston?

The type of vehicle to be insured is one of the primary factors when looking for the best cheap auto insurance for Uber drivers. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models.

The list below presents auto insurance costs for a handful of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in Houston, TX
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 4WD $1,332
Toyota Prius $1,441
Toyota Camry LE $1,542
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,568
Dodge Grand Caravan SXT $1,571
Hyundai Elantra Blue 4-Dr Sedan $1,591
Ford Escape XLS 2WD $1,599
Nissan Altima 2.5 S 4-Dr Sedan $1,623
Toyota Corolla LE $1,633
Volkswagen Jetta SEL 4-Dr Sedan $1,651
GMC Sierra SLE Crew Cab 2WD $1,661
GMC Sierra 3500HD SLE Extended Cab 2WD $1,682
Hyundai Sonata SE 4-Dr Sedan $1,737
Toyota Camry Hybrid $1,765
Toyota RAV4 4WD $1,768
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price information does not factor in vehicle garaging location which can increase or decrease price quotes significantly.

Looking at the rates, you can conclude that makes and models like the Honda CR-V, Toyota Prius, and Toyota Camry are most likely going to be some of the more affordable vehicles to insure for Uber vehicles.

For Uber vehicles, one of the big considerations that determine car insurance rates is where you live in Houston. Areas with a lot of weather claims or more people are more likely to have higher rates, whereas more rural areas profit from lower rates.

The table below sorts the highest-priced areas in Texas for Uber drivers to buy auto insurance in. Houston is ranked at #5 having an annual price of $1,853 for coverage, which is about $154 monthly.

How much is car insurance in Houston?
Rank City Annual Premium
1 McAllen $1,996
2 Brownsville $1,908
3 Dallas $1,893
4 Laredo $1,889
5 Houston $1,853
6 Garland $1,832
7 Mesquite $1,807
8 Amarillo $1,786
9 Grand Prairie $1,757
10 Beaumont $1,754
11 Pasadena $1,740
12 Irving $1,719
13 Arlington $1,709
14 Lubbock $1,682
15 San Antonio $1,671
16 Fort Worth $1,670
17 Austin $1,659
18 El Paso $1,632
19 Plano $1,624
20 McKinney $1,609
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Annual rates are comparative as the garaging address in Houston can impact rates substantially.

How violations and accidents impact rates

The obvious way to score the most affordable car insurance premiums in Houston for Uber vehicles is to be a careful driver and not receive tickets or have accidents. The chart below highlights how speeding tickets and at-fault fender-benders drive up auto insurance rates for each age group. The costs are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of an auto insurance policy per year with no accidents or violations is $1,598. Receive two speeding tickets and the average cost increases to $2,103, an increase of $505 each year. Next add one accident along with the two speeding tickets and the yearly cost of car insurance for Uber drivers goes up to an average of $2,616. That’s an increase of $1,018, or $85 per month, just for a couple of infractions!

Does full coverage make sense?

Finding the cheapest car insurance should be important to most vehicle owners, and one common way to buy cheaper insurance for Uber drivers is to only buy liability insurance. The diagram below shows the difference between yearly insurance costs with full physical damage coverage and with liability coverage only. The data is based on no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied.

Averaged for all ages 20 through 70, comp and collision coverage costs an additional $1,793 per year more than insuring for liability only. Many people question when is it a good idea to stop buying full coverage. There isn’t a written rule to eliminate physical damage coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.

Ending up with the top insurance provider is difficult considering how many companies there are to choose from in Texas. The company information in the lists below could help you select which coverage providers to look at purchasing from.

The ratings below include companies that write coverage in many states, so companies that have a smaller presence are not taken into consideration for the list. If you’d like to compare prices and find cheaper insurance for Uber drivers, just click here.

Best 15 Car 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
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Data Source: Insure.com Best Car Insurance Companies