How Much is Lubbock Car Insurance for Uber Drivers?

The car, truck, or SUV requiring coverage is one of the main factors when consumers are trying to find the lowest-priced coverage for Uber drivers. Vehicles with lots of speed or power, poor passenger safety features, or a history of substantial liability claims will cost much more to insure than safer models.

The data below showcases coverage premiums for the most cost-effective vehicles to buy coverage for.

Cheapest Vehicles to Insure in Lubbock, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $971
Ford F-150 XL Regular Cab 2WD $1,004
Toyota Prius $1,077
Toyota Tacoma 4WD $1,089
Ford Escape XLT 2WD $1,097
Honda CR-V EX-L 2WD $1,126
GMC Sierra SLE Crew Cab 2WD $1,151
Jeep Grand Cherokee Laredo 2WD $1,159
Toyota RAV4 4WD $1,151
Chevrolet Malibu LS $1,161
Chevrolet Impala LTZ $1,213
Dodge Grand Caravan Hero $1,260
Ford Fusion S 4-Dr Sedan $1,270
Ford Focus SE 4-Dr Sedan $1,266
Jeep Wrangler Unlimited Rubicon 4WD 4-Dr $1,268
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in zip code location which can revise coverage rates noticeably.

Looking at the numbers, you can see that makes and models like the Honda Accord, Ford F-150, and Toyota Prius are the cheapest vehicles to insure for Uber vehicles.

One of the many things that determine car insurance rates is the neighborhood you call home. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.

The table below shows the most expensive areas in Texas for Uber drivers to buy auto insurance in. Lubbock comes in at #15 with the annual price of $1,682 for coverage, which is about $140 monthly.

Car insurance prices in Lubbock
Rank City Annual Rate
1 McAllen $1,956
2 Houston $1,909
3 Brownsville $1,908
4 Dallas $1,855
5 Garland $1,850
6 Laredo $1,833
7 Mesquite $1,825
8 Amarillo $1,786
9 Grand Prairie $1,757
10 Beaumont $1,754
11 Pasadena $1,740
12 San Antonio $1,739
13 Irving $1,736
14 Arlington $1,709
15 Lubbock $1,682
16 Carrollton $1,664
17 Austin $1,659
18 McKinney $1,609
19 Fort Worth $1,604
20 El Paso $1,584
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Table data uses approximated as zip code location can impact insurance rates considerably.

Impact of careless driving on insurance rates

The best way to maintain the cheapest insurance rates in Texas for Uber vehicles is to pay attention while driving and avoid traffic citations and accidents. The information below demonstrates how speeding tickets and at-fault fender-benders can impact insurance premiums for different categories of driver ages. The information is based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of an auto insurance policy in Texas per year with no violations or accidents is $1,709. Factor in two speeding tickets and the average cost surges to $2,285, an increase of $576 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of insurance for Uber drivers goes up to an average of $4,531. That’s an increase of $2,823, or $235 per month, just for not driving carefully!

Choosing the top auto insurance provider can be rather challenging considering how many companies provide coverage in Lubbock. The ranking data in the lists below may help you decide which auto insurers you want to consider shopping prices with.

These ratings only include companies who write in the majority of U.S. states, so smaller regional companies are not taken into consideration for these rankings. To check rates from these top-rated insurers and more, just click here.

Best 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: Best Car Insurance Companies

Types of discounts on Lubbock auto insurance rates

Discounts on insurance for Uber driversCar insurance companies that offer coverage for Uber drivers may additionally offer discounts that can reduce rates by 30% or more if you are eligible to receive them. The best insurance companies and some of the discounts are detailed below.

The example below shows the comparison of insurance costs with and without policy discounts. The rates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with multiple policy, passive restraint, claim-free, homeowner, accident-free, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for Uber drivers is 28% or $745.

How to find cheaper insurance for Uber drivers

It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help Lubbock drivers get cheap coverage.

The last tip in the list is certainly valuable, as was noted in the article above. Auto insurance rates go up and down frequently, so don’t hesitate to buy from a different company if you find a cheaper price. Many consumers stick with the same company and that’s fine, but we do not recommend it if that stubbornness costs you major coinage every year. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for Uber drivers in Lubbock.

If you aren’t sure which coverage to buy and prefer to have some professional guidance when trying to find lower insurance rates for Uber drivers, the insurance agencies below are willing to aid you in deciding which policy fits your needs best.

To find a Lubbock insurance agency in your neighborhood, click the button link following the list or click here to compare price quotes.

Ana Borrego – State Farm Insurance Agent
8001 Quaker Ave STE GLubbock, TX 79424(806) 745-2555

Allstate Insurance Agent: Marvin Grimes
6102 82nd St Unit 3bLubbock, TX 79424(806) 797-2607

Scott Powell – State Farm Insurance Agent
3410 98th St Ste 3Lubbock, TX 79423(806) 793-2855

View more Lubbock, TX insurance agents