Finding out which company offers the lowest-priced insurance rates for Uber drivers will take a little more sweat in order to find the lowest price quote. Every insurance company uses their own formula to set premium rates, so to begin we’ll rank the insurance companies with the overall best prices in Pittsburgh, PA.
Find the Cheapest Car Insurance for Your Uber Vehicle
|Rank||Company||Cost Per Year|
|18||Mutual Benefit Group||$1,454|
|View More Rates Go|
General Casualty may have some of the best car insurance rates in Pittsburgh at around $726 a year. Travelers, Erie, Penn National, and USAA would also make the list of some of the cheaper Pittsburgh, PA car insurance companies.
As shown in the table above, if you are insured with Travelers and switched to General Casualty, you might achieve savings of in the neighborhood of $61. Pennsylvania drivers with Erie might save as much as $66 a year, and Penn National insureds might see rate reductions of $82 a year.
If you want to see how much you could save, click here to start your free quote or visit any of the low-priced companies below.
Be aware that those premium estimates are averaged for all drivers and vehicles and and are not figured with a specific zip code for Uber drivers. So the insurer that has the cheapest rates for you may not even be in the top 30 companies shown above. That point stresses why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
One of the more important considerations that determine the price you pay for insurance is where you live in Pittsburgh. Areas with high crime rates or more dense population tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The information below rates the most expensive areas in Pennsylvania for Uber drivers in which to buy car insurance. Pittsburgh is listed at #12 with the yearly price of $1,063 for the average policyholder, which is approximately $89 per month.
|Rank||City||Premium Per Year|
|8||Municipality of Monr||$1,081|
|Find Cheaper Rates Go|
Premium amounts are comparative as the vehicle garaging location can change coverage prices substantially.
The vehicle you are trying to insure is probably the largest consideration that determines whether or not you can buy the cheapest insurance for Uber drivers. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost much more to insure than more economical and safe models.
The next list presents auto insurance prices for some of the most affordable automobiles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,069|
|Ford F-150 STX Regular Cab 2WD||$1,175|
|Ford Focus SE 4-Dr Sedan||$1,243|
|Honda CR-V EX-L 4WD||$1,254|
|Toyota Tacoma Double Cab 4WD||$1,292|
|Honda Accord EX 4-Dr Sedan||$1,313|
|GMC Sierra SLT Extended Cab 4WD||$1,358|
|Ford Fusion SEL 4-Dr Sedan||$1,368|
|Chevrolet Impala LS||$1,424|
|Ford Edge Limited 2WD||$1,429|
|Volkswagen Jetta LE 4-Dr Sedan||$1,452|
|Chevrolet Silverado LT Crew Cab 2WD||$1,459|
|Chevrolet Equinox LS AWD||$1,452|
|Toyota RAV4 Sport 2WD||$1,461|
|Compare Rates Now Go|
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Estimates do not factor in Pittsburgh, PA location which can increase or decrease insurance rates noticeably.
Based upon these rates, you can presume that vehicles like the Ford Escape, Ford F-150, and Ford Focus are most likely going to be some of the most affordable vehicles to insure for Uber vehicles.
Careless Pittsburgh drivers pay higher rates
The recommended way to find cheap insurance rates for Uber vehicles is to drive safely and maintain a clean driving record. The information below demonstrates how speeding tickets and at-fault collisions can increase insurance rates for different insured age categories. The rates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
The data charted above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,565. Get written up for two speeding tickets and the average cost increases to $2,149, an increase of $584 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for Uber drivers jumps again to an average of $4,607. That’s an increase of $3,042, or $254 per month, just for a couple of infractions!
Discounts on Pittsburgh auto insurance rates
Car insurance companies that provide policies for Uber drivers may additionally offer price discounts that could potentially reduce rates by 25% or more if you meet specific criteria. The best insurance companies and some of the premium reductions they offer are shown below.
- Progressive may offer discounts for homeowner, online quote discount, good student, multi-vehicle, multi-policy, continuous coverage, and online signing.
- MetLife policyholders can earn discounts including good driver, claim-free, defensive driver, good student, accident-free, multi-policy
- Mercury Insurance includes discounts for multi-policy, age of vehicle, good student, anti-theft, low natural disaster claims, type of vehicle, and accident-free.
- Nationwide may include discounts for defensive driving, business or organization, Farm Bureau membership, family plan, accident-free, and anti-theft.
- GEICO offers discounts including driver training, multi-policy, federal employee, five-year accident-free, seat belt use, daytime running lights, and good student.
- AAA offers premium reductions for good driver, AAA membership discount, good student, multi-car, and multi-policy.
The example below illustrates the comparison of insurance premiums with and without some available policy discounts. The premium estimates are based on a male driver, no claims, a clean driving record, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, safe-driver, multiple vehicle, accident-free, passive restraint, and vehicle safety discounts applied. In this example, the average savings per year on insurance for Uber drivers is 28% or $523.
The illustration below demonstrates how choosing different deductibles can influence yearly insurance costs when researching cheap insurance for Uber drivers. The prices are based on a single male driver, full coverage, and no discounts are applied.
A 40-year-old driver could lower their policy premium by $270 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $408 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could possibly save up to $888 each year by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it’s a good idea to have spare funds to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Why you should be shopping around
Pittsburgh, PA insurance rates are impacted by many things that will increase or decrease the price of your policy. Turning one year older, buying a home, or getting a ticket for running a stop sign may cause policy rate changes resulting in some rates now being more affordable than before. Not only that, but insurers change premium rates multiple times each year to reflect underwriting profits or losses. Higher than normal claims can result in higher rates, while better underwriting may produce lower-cost Pittsburgh car insurance rates.
To illustrate this point, the data below shows the companies that have the cheapest car insurance in Pittsburgh, PA for a 45-year-old female driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on her current situation, General Casualty offers the lowest car insurance rates in Pittsburgh at $870 each year. This is $787 less than the average premium paid by Pennsylvania drivers of $1,657. Erie, Travelers, USAA, and Penn National are the rest of the top five cheapest Pittsburgh, PA auto insurance companies.
Now we will pretend the driver in the first chart a claim or two, a little lower credit rating, and a blemish on her driving record. Since each auto insurer uses their own formula for filing rates in each state, analyzing rates could now result in a slightly different list of affordable Pittsburgh car insurance companies as shown below.
Amica now has the best car insurance rate in Pittsburgh with Atlantic States, Donegal Mutual, USAA, and Penn National also being competitive. This demonstrates why consumers need to compare as many rates as possible to get the cheapest car insurance rates for Uber drivers. Insurance rates are made up of many things and can change without notice, so the best option the last time you compared rates may now be costing you a lot of money.
If you like to get some guidance when shopping for cheaper insurance for Uber vehicles, the agencies below can probably aid you in deciding which is the best policy. To find an agent using an interactive map, click the link after the list or click here to compare price quotes now.
- J.S. Smith Insurance Agency
101 Bellevue Rd Suite 02 – Pittsburgh, PA 15229 – (412) 931-6070
- Zikos Insurance
Two Chatham Center, Suite 1060, 112 Washington Pl – Pittsburgh, PA 15219 – (412) 391-3464
- Riley Insurance
2544 Library Rd # 205 – Pittsburgh, PA 15234 – (412) 563-2390
- Wagner Agency, Inc.
5020 Centre Ave – Pittsburgh, PA 15213 – (412) 681-2700