Finding reliable, budget auto insurance is hard enough, and finding out which insurers offer the cheapest car insurance rates for Uber drivers will take a little more work.
Every insurance company has their own unique process to determine premium rates, so we’ll take a look at the most affordable car insurance companies in Sacramento, CA. It’s a good idea to be aware that California car insurance rates are based on many factors which can significantly increase or decrease the cost of your policy. That is why consumers need to compare lots of rates to get the best auto insurance quotes for Uber drivers. Prices consist of many factors and can decrease or increase without notice, so the cheapest option the last time you checked may now be one of the more expensive options.
Best Insurance Companies for Your Uber Vehicle
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,497 |
| 11 | GEICO | $1,529 |
| 12 | Allied | $1,541 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
| Get Personalized Rates Go | ||
USAA may have some of the best car insurance rates in Sacramento at around $1,121 annually. Wawanesa, Nationwide, Century National, and CSAA would also make the list of some of the more affordable Sacramento, CA insurance companies.
In the above example, if you are a customer of Wawanesa and switched to USAA, you could see savings of approximately $36. Policyholders with Nationwide could save as much as $92 a year, and Century National customers might reduce rates by $93 a year.
To find the cheapest coverage for you, click here to start a quote or visit several of the following companies.
It’s important to note that these policy rates are averaged for all types of insureds and vehicles and and are not calculated with a specific location for Uber drivers. So the company that is best for you may not even be in the top 24 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver and vehicle information.
The make and model of vehicle requiring coverage is a large consideration when comparison shopping for the cheapest auto insurance for Uber drivers. Vehicles with lots of speed or power, poor crash test ratings, or a track record of large liability claims will cost significantly more to insure than safer models. The table below ranks auto insurance prices for a selection of the cheaper automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Volkswagen Jetta S 2.5 Station Wagon | $1,333 |
| Honda CR-V EX 2WD | $1,343 |
| Ford Escape XLS 4WD | $1,353 |
| Ford F-150 STX Regular Cab 2WD | $1,351 |
| Dodge Grand Caravan CV | $1,378 |
| Toyota Tacoma Double Cab 4WD | $1,483 |
| Toyota Prius | $1,495 |
| Ford Explorer XLT AWD | $1,503 |
| Ford Focus SEL 4-Dr Sedan | $1,505 |
| Ford Edge Limited AWD | $1,533 |
| Toyota Corolla S | $1,542 |
| Toyota Camry XLE | $1,533 |
| Nissan Rogue S AWD | $1,558 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,560 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,588 |
| Toyota RAV4 Sport 4WD | $1,593 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,630 |
| Get a Custom Quote Go | |
Cost estimates assume 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, safe-driver, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific location which can modify prices considerably.
Based upon the rates shown, cars like the Volkswagen Jetta, Honda CR-V, and Ford Escape are going to be some of the more affordable vehicles to insure for Uber vehicles.
Best car insurance company in California
Insuring your vehicle with the right insurer can be rather challenging considering how many choices you have in Sacramento. The company rank data shown next can help you pick which coverage providers to look at when looking for cheaper rates.
These ratings only include companies who write in the majority of U.S. states, so companies that only write business in California or surrounding areas are not included in these rankings. To compare prices from the most competitive companies in California, just click here.
Top 10 Major Auto Insurers in Sacramento Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The information below highlights how deductible selection can impact insurance costs when getting quotes for cheap insurance for Uber drivers. The data is based on a single male driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $506 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $762 by using a $1,000 deductible. Even younger drivers, like the 20-year-old, could shave up to $1,674 each year just by choosing higher deductibles. If you do decide to increase your deductibles, it will now be necessary to have enough savings to allow you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Compare rates to save
Sacramento, CA car insurance rates are calculated based on many things that will increase or decrease the cost of your policy. Improving your credit score, buying a different home, or getting caught speeding may generate price changes that may make certain companies more affordable than others. Additionally, insurance companies file new California car insurance rates multiple times each year to ensure their profitability. Unexpectedly high claims may cause price increases, while profitable underwriting can result in cheaper Sacramento car insurance rates.
For instance, the data below shows the companies that have the cheapest car insurance in Sacramento, CA for a 40-year-old female driver with no accidents, a clean driving record, and a good credit history. Based on her current situation, USAA may offer the cheapest car insurance rates in Sacramento at $1,441 each year. This is $210 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest Sacramento, CA auto insurance companies.
In this next rate comparison, we will give the driver from the above example an accident surcharge, slightly worse credit, and a couple of points charged on her driving record. Since every insurance provider has a different formula for filing rates in each state, comparing prices may now result in a different list of the cheapest companies as shown below.
Grange now has the cheapest car insurance in Sacramento, CA with Progressive, Allstate, GEICO, and Mercury also having competitive pricing. This illustrates why consumers need to take the time to spend some time comparing rates to find the cheapest auto insurance quotes for Uber drivers. Insurance prices are impacted by many factors and can change without notice, so the cheapest company the last time you checked may now be quite expensive.
The Sacramento, CA, insurance agents below can provide answers to your questions and help you determine which auto insurance policy fits you best, since some drivers wish to get some help when shopping around for cheaper insurance for Uber vehicles. It can be complicated to find the cheapest car insurance policy, so insurance agents licensed in the state of California can add satisfaction knowing you have adequate protection in case of an accident or claim.
To locate a Sacramento car insurance agency closest to you, click the button link following the list.
- GEICO: Vincent Harris
5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 - Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230 – Sacramento, CA 95823 – (916) 399-8113 - Skyles Insurance Agency
9840 Business Park Dr – Sacramento, CA 95827 – (888) 900-9989