Cheapest Auto Insurance for Uber Drivers in Alabama
Enter your Alabama zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 19, 2019
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Locating cheap insurance is not the easiest thing to do, and finding out which company has the lowest-priced insurance rates for Uber drivers takes a bit more work. Each insurance company has a proprietary formula for establishing rates, so first let’s look at the rankings for the insurance companies with the overall best prices in California.
It’s important that readers know that Alabama insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Events like turning one year older, buying a newer car, or getting a few speeding tickets may cause policy rate changes that can make some companies more expensive than competitors.
|Rank||Company||Cost Per Year|
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Travelers offers some of the lowest car insurance rates in California, AL at around $807 each year. Cincinnati Insurance, USAA, GEICO, and Safeway also make the cut as some of the most economical California, AL insurance companies.
In the above rates, if you are currently insured with USAA and switched to Travelers, you might realize an annual savings of in the vicinity of $88. Customers with GEICO might save as much as $254 a year, and Safeway customers might cut rates by $363 a year.
To find the cheapest auto insurance in Alabama for your vehicle, click here to start your custom quote or visit any of the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Understand that those prices are averages across all types of drivers and the different vehicles they drive and are not factoring in a rate discount for Uber drivers. So the company that fits your needs best may not even be shown in the list of companies above. That’s why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
The type of vehicle you are seeking coverage for is probably the largest consideration when consumers are trying to find the cheapest auto insurance in Alabama. Vehicles with more horsepower, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.
The next table showcases insurance premiums for some of the most economical vehicles to insure in Alabama.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Hyundai Elantra SE Touring Station Wagon||$831|
|Ford Escape Limited 4WD||$841|
|Kia Forte LX 4-Dr Sedan||$844|
|Honda Accord LX-P 4-Dr Sedan||$860|
|Honda Odyssey EX||$874|
|Subaru Forester X Limited Edition AWD||$883|
|Honda CR-V EX-L 2WD||$884|
|Toyota RAV4 Limited 4WD||$896|
|Chevrolet Traverse LS 2WD||$898|
|Volkswagen Jetta 2.0T Station Wagon||$904|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$952|
|Nissan Rogue SL 2WD||$955|
|Ford F-150 XLT Regular Cab 4WD||$967|
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in specific location information which can affect premiums greatly.
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Looking at the data, you can see that makes and models like the Hyundai Elantra, Ford Escape, Kia Forte, Honda Accord, and Honda Odyssey are going to be the cheapest vehicles to insure for Uber vehicles.
For Uber vehicles, one of the big components that aid in calculating auto insurance rates is where you keep your car in Alabama. Areas with high crime rates or more dense population like Bessemer, Mobile, and Prichard likely pay more, whereas areas with less people or fewer weather incidents profit from lower rates.
The following table shows the highest-priced areas in Alabama for Uber drivers to purchase a policy in.
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Table data uses estimated as zip code location can alter coverage rates considerably.
Discounts on the cheapest auto insurance in Alabama
Insurance providers that sell policies for Uber drivers may have premium discounts that could potentially reduce rates by as much as 25% or more if you qualify. A list of insurance companies and their offered discounts are shown below.
- The Hartford offers discounts including defensive driver, anti-theft, driver training, good student, and bundle.
- American Family may have discounts that include good driver, air bags, accident-free, defensive driver, multi-vehicle, mySafetyValet, and good student.
- Progressive has discounts for homeowner, online signing, online quote discount, multi-policy, continuous coverage, multi-vehicle, and good student.
- Travelers may offer discounts for driver training, continuous insurance, payment discounts, new car, and multi-policy.
- Farmers Insurance discounts include good student, early shopping, teen driver, pay in full, mature driver, multi-car, and bundle discounts.
- USAA offers discounts for good student, multi-vehicle, military installation, vehicle storage, safe driver, and new vehicle.
- Liberty Mutual has savings for new move discount, preferred payment discount, safety features, teen driver discount, multi-policy, multi-car, and exclusive group savings.
The chart below shows the comparison of insurance rates with and without discounts. The premiums are based on a male driver, a clean driving record, no claims, Alabama state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, accident-free, defensive driving course, claim-free, passive restraint, and vehicle safety discounts applied. When these discounts are applied, the average amount saved each year on insurance for Uber drivers is 28% or $659.
How much more does full coverage cost in California?
Finding the cheapest auto insurance in Alabama is important to the majority of drivers, and a great way to buy cheaper insurance is to not buy comprehensive and collision coverage. The example below illustrates the difference between insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no violations or accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.
Averaged for all age groups, comp and collision coverage costs $2,122 per year more than just buying liability only. That brings up the question if buying full coverage is a good investment. There is no clear-cut rule for eliminating physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.
For example, let’s pretend your vehicle’s replacement cost is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $9,500 after the deductible is paid. If you are paying more than $950 annually to have full coverage, then you might want to think about dropping full coverage.
Are you paying too much for car insurance in California, AL?
California, AL insurance rates are determined by lots of factors that may substantially change the cost of a policy. Improving your credit score, buying a home instead of renting, or getting a few speeding tickets can cause premium changes that can cause some rates to be more affordable than others.
Not only may your situation change, but companies change premium rates as often as every three months in order to offset underwriting gains or losses. A period of increased losses can result in price increases, while a better claims history can produce more affordable California, AL car insurance rates.
To illustrate this point, the data below compares the cheapest car insurance in California, AL for a 45-year-old female driver with no violations or accidents, and solid credit. If we estimate prices based on her current risk profile, Travelers might offer the lowest car insurance rates in California, AL at $791 each year. This is $685 less than the average price paid by Alabama drivers of $1,476. Cincinnati Insurance, USAA, GEICO, and Country are also on the list of the best California, AL auto insurance companies.
The example below compares rates after we give the driver from the above example a claim or two, a little lower credit rating, and a speeding citation. Due to the fact that each insurance company uses their own formula to determine rates, comparing insurance quotes will most likely result in a different list of the cheapest California, AL car insurance companies as shown below.
Cincinnati Insurance now has the cheapest price in California, AL with Auto-Owners, Progressive, USAA, and MetLife now being in the top five. This shows why drivers need to spend some time comparing rates when trying to find affordable car insurance rates for Uber drivers.
Insurance prices are calculated by many different factors and change dramatically, so the most affordable company the last time you shopped your coverage around may now be one of the higher cost companies.
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