Who Has the Cheapest Auto Insurance for Uber Drivers in Fort Worth?

The words “low-priced” and “insurance” really shouldn’t be used in the same sentence, especially when you are looking for the best car insurance for Uber drivers. To help control this cost, let’s take a look at some of the factors that help determine insurance premiums, and find out if we can help you shave a little off the next policy you buy.

Finding out which company offers the cheapest car insurance rates for Uber drivers will require a little more sweat in order to find a policy that fits your budget. Each company has their own process to determine premium rates, so let’s take a look at the most budget-friendly car insurance companies in Fort Worth.

It’s important that you understand Fort Worth car insurance rates are impacted by many things that may substantially change the price you pay for coverage. Improving your credit score, moving to a different location, or having a fender bender can trigger rate changes resulting in some companies being cheaper than competitors.

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,256
5 Esurance $1,421
6 California Casualty $1,424
7 State Farm $1,450
8 Mercury $1,521
9 Nationwide $1,538
10 Safe Auto $1,565
11 Progressive $1,664
12 Allstate $1,667
13 Amica $1,775
14 GEICO $2,093
15 Home State $2,134
16 MetLife $2,161
17 Encompass $2,255
18 Unitrin $2,310
19 21st Century $2,421
20 Titan $2,672
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Travelers generally has some of the lowest car insurance rates in Fort Worth at around $1,010 annually. This is $894 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the most economical Fort Worth, TX auto insurance companies.

As depicted above, if you currently have a policy with Germania Mutual and switched to USAA, you could see savings of in the vicinity of $139. Drivers with Esurance may save as much as $304 a year, and California Casualty customers might realize rate reductions of up to $307 a year.

Bear in mind that those estimates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location for Uber drivers. So the auto insurance company that is best for you may not even be in the top 23 companies in the list above. That point stresses why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

One of the many things that determine insurance cost is where your residence is. Larger areas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The following table lists the most expensive areas in Texas for Uber drivers to purchase auto insurance in. Fort Worth is ranked #20 with the annual price of $1,604 for car insurance, which is about $134 per month.

How much is car insurance in Fort Worth?
Rank City Annual Premium
1 McAllen $1,996
2 Laredo $1,907
3 Dallas $1,893
4 Houston $1,853
5 Brownsville $1,851
6 Amarillo $1,840
7 Mesquite $1,807
8 Grand Prairie $1,793
9 Garland $1,778
10 Beaumont $1,754
11 Pasadena $1,740
12 Lubbock $1,733
13 Irving $1,719
14 San Antonio $1,671
15 Carrollton $1,664
16 Arlington $1,658
17 Corpus Christi $1,620
18 El Paso $1,616
19 Austin $1,610
20 Fort Worth $1,604
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Price information shown is estimated as specific Fort Worth garaging address can raise or lower prices noticeably.

The car, truck, or SUV to be insured is probably the most important factor when comparing the most affordable coverage for Uber drivers. Vehicles with limited speed and performance, excellent safety ratings, or low incidents of liability claims will cost significantly less to insure than higher performance models. The table below illustrates car insurance premiums for a selection of the cheapest automobiles to buy insurance for.

Cheapest Vehicles to Insure in Fort Worth, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $957
Ford Escape XLS 2WD $1,050
Honda CR-V EX-L 2WD $1,107
Toyota Tacoma 2WD $1,109
Volkswagen Jetta LE 4-Dr Sedan $1,131
Toyota RAV4 4WD $1,137
Jeep Grand Cherokee Laredo 4WD $1,131
Ford F-150 STX Regular Cab 2WD $1,149
Toyota Prius $1,167
Honda Civic LX-S 4-Dr Sedan $1,171
Toyota Corolla S $1,193
Ford Explorer XLT 4WD $1,215
Honda Odyssey EX $1,217
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Information does not factor in vehicle garaging location which can influence premium rates substantially.

Based upon the rates shown, makes and models like the Honda Accord, Ford Escape, Honda CR-V, Toyota Tacoma, and Volkswagen Jetta are likely to be the most budget-friendly vehicles to insure for Uber vehicles.

Best car insurance company in Fort Worth

Buying coverage from the best insurer can be a challenge considering how many companies there are to choose from in Fort Worth. The company rank data displayed below can help you analyze which auto insurers to look at when shopping insurance around for Uber drivers. These ratings include companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into the list.

Top 10 Major Auto Insurance Providers in Fort Worth Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Auto Insurance Providers in Fort Worth Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Impact of speeding/accidents on Fort Worth car insurance rates

The easiest way to receive the best car insurance rates in Fort Worth for Uber vehicles is to be a good driver and maintain a clean driving record. The chart below illustrates how traffic citations and at-fault collisions can influence auto insurance rates for different insured age categories. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Texas per year with no accidents or violations is $2,289. Get one speeding ticket and the average cost increases to $2,664, an increase of $375 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of car insurance for Uber drivers goes up to an average of $5,808. That’s an increase of $3,519, or $293 per month, just for not driving safely!

The diagram below shows how different deductible levels can influence yearly insurance costs when searching for cheap insurance for Uber drivers. The premiums assume a married male driver, full coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could lower their car insurance rates by $264 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $402 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could save $884 or more by using a higher deductible. When increasing deductibles, it’s a good idea to have enough funds in savings to satisfy the extra out-of-pocket expense that is associated with using high deductibles.