The vehicle model you are trying to insure is a significant factor when comparing affordable car insurance for Uber drivers. Vehicles with high performance engines, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The data below features car insurance premiums for the most affordable vehicles to insure in Texas.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $936 |
| Hyundai Elantra SE Touring Station Wagon | $994 |
| Ford Escape XLS 2WD | $998 |
| Toyota Prius | $1,013 |
| Ford Explorer XLT 4WD | $1,026 |
| Honda Accord LX 4-Dr Sedan | $1,033 |
| Ford Edge SEL 2WD | $1,063 |
| Chevrolet Impala LT | $1,085 |
| Nissan Altima 2.5 4-Dr Sedan | $1,094 |
| Chevrolet Malibu LS | $1,085 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,115 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,143 |
| Ford Fusion SE 4-Dr Sedan | $1,162 |
| Chevrolet Equinox LTZ AWD | $1,171 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,162 |
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific zip code location which can revise premium rates substantially.
By looking at the data, you can infer that makes and models like the Honda CR-V, Hyundai Elantra, and Ford Escape should be a few of the cheaper vehicles to insure for Uber vehicles.
For Uber vehicles, one of the largest considerations that determine insurance cost is where your car is garaged in Corpus Christi. Areas with high crime rates or more dense population tend to have higher rates, whereas areas with less congestion benefit from lower rates.
The information below sorts the most expensive cities in Texas for Uber drivers to buy auto insurance in. Corpus Christi ranks #20 with an annual cost of $1,588 for car insurance, which is around $132 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Dallas | $1,893 |
| 3 | Houston | $1,891 |
| 4 | Laredo | $1,889 |
| 5 | Brownsville | $1,851 |
| 6 | Amarillo | $1,840 |
| 7 | Garland | $1,832 |
| 8 | Grand Prairie | $1,793 |
| 9 | Beaumont | $1,772 |
| 10 | Pasadena | $1,758 |
| 11 | Mesquite | $1,753 |
| 12 | Lubbock | $1,733 |
| 13 | Irving | $1,719 |
| 14 | Arlington | $1,692 |
| 15 | San Antonio | $1,671 |
| 16 | Fort Worth | $1,621 |
| 17 | El Paso | $1,616 |
| 18 | Austin | $1,610 |
| 19 | Carrollton | $1,598 |
| 20 | Corpus Christi | $1,588 |
| 21 | Waco | $1,569 |
| 22 | McKinney | $1,561 |
| 23 | Plano | $1,560 |
| 24 | Killeen | $1,533 |
| 25 | Abilene | $1,515 |
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Premium costs are estimated as the specific Corpus Christi residence address can change insurance rates noticeably.
The diagram below highlights how deductible choice can affect insurance prices when researching cheap insurance for Uber drivers. The data is based on a married male driver, comp and collision included, and no discounts are factored in.
As shown above, a 30-year-old driver could save $396 a year by increasing from a $100 deductible to a $500 deductible, or save $598 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save as much as $1,206 every year by choosing a higher deductible. If you make the decision to raise deductibles, it is necessary to have additional funds in a savings account to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Best auto insurance in Texas
Choosing a highly-rated insurance company is difficult considering how many choices you have in Corpus Christi. The company rank data shown below may help you select which car insurance companies you want to consider purchasing from.
The ratings below include companies with a national presence, so companies with more of a regional focus will not be included in these rankings. If you wish to compare rates from the most competitive companies in Texas, simply click here.
Top 10 Large Auto Insurance Providers in Corpus Christi Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Rate comparison of full coverage and liability-only
Lowering the price of auto insurance is probably important to the majority of vehicle owners, and one great way to pay less for insurance for Uber drivers is to not buy comprehensive and collision coverage. The information below compares annual premium costs with full physical damage coverage and with liability coverage only. Data assumes no violations or accidents, $100 deductibles, drivers are single, and no discounts are applied.
As an average for all age groups, physical damage insurance costs $2,922 per year more than just buying liability only. Many drivers will wonder if buying full coverage is a good investment. There isn’t a steadfast formula to eliminate comp and collision coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
There are a few situations where dropping full coverage is not advised. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage in place.