Cheapest Auto Insurance for Uber Drivers in Michigan

One of the key things that is looked at to determine insurance cost is where you keep your car in Michigan. More populated areas like Detroit, Southfield, and Flint tend to have higher rates, whereas more rural areas have the benefit of the cheapest auto insurance for Uber drivers in Michigan.

The following table lists the priciest cities in Michigan for Uber drivers in which to purchase auto insurance.

Information shown are estimated as the vehicle garaging location can change premiums noticeably.

Locating cost effective auto insurance is not most people’s favorite thing to do, and deciding which companies have the best auto insurance rates for Uber drivers takes even more perseverance. Every auto insurer uses a slightly different approach to determine premium rates, so let’s rank the auto insurance companies with the overall cheapest rates in Michigan.

It’s a good idea to be aware that Michigan auto insurance rates are impacted by many factors which can substantially change the price you pay for coverage. Price variation is why it is critical to shop around with many companies to find the most economical car insurance quotes for Uber drivers. Car insurance prices are made up of many different factors and change frequently, so the lowest-price company three years ago may now be priced much higher than other options.

Best Car Insurance Prices for Your Uber Vehicle

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USAA may have some of the lowest car insurance rates in Michigan at around $958 a year. GEICO, Safeco, MetLife, and MEEMIC also qualify as some of the lowest-priced Michigan car insurance companies.

As illustrated above, if you are a policyholder with MEEMIC and switched to GEICO, you might see an annual premium reduction of approxmiately $385. Policyholders with Chubb may save as much as $405 a year, and Pioneer State Mutual customers might see rate reductions of $407 a year.

Remember that these estimates 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 can offer you the best price may not even be included in the company chart above. That emphasizes why you need to get quotes using your own driver and vehicle profiles.

The car, truck, or SUV that is being insured is a large factor that determines the availablility of low-priced coverage for Uber drivers. Vehicles with higher performance, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than more modest models. The next list features auto insurance premiums for a handful of the most budget-friendly automobiles to insure in Michigan.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in zip code location which can revise price quotes considerably.

Looking at the data, you can conclude that vehicles like the Honda CR-V, Ford Escape, Subaru Forester, Toyota Prius, and Ford Edge will be some of the less-costly vehicles to insure for Uber vehicles.

Irresponsible driving raises your rates

In a perfect world, the ideal way to snag the best auto insurance rates in Michigan for Uber vehicles is to drive cautiously and have a clean driving record. The chart below shows how violations and at-fault collisions raise car insurance rates for different age groups. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 4229,4601,8105],[‘Age 30’, 2179,2547,6053],[‘Age 40’, 2123,2499,6001],[‘Age 50’, 1953,2325,5827],[‘Age 60’, 1913,2289,5791],[‘Age 70’, 2257,2631,6133]]);var options = {title: ‘Impact of Tickets and Claims on Michigan Auto Insurance Cost’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Michigan’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of auto insurance in Michigan per year with no violations or accidents is $2,442. Add in one speeding ticket and the average cost jumps to $2,815, an increase of $373 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance for Uber drivers increases to an average of $6,318. That’s an increase of $3,876, or $323 per month, just for not paying attention while driving!

How to get discounts on Michigan auto insurance rates

Insurers that sell the cheapest auto insurance for Uber drivers in Michigan may have price discounts that could reduce prices by as much as 25% or more if you can meet the requirements. Companies and a partial list of their discounts are outlined below.

The example below illustrates the difference between insurance costs with and without discounts applied to the premium. The rate quotes are based on a female driver, no violations or accidents, Michigan state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, anti-theft, passive restraint, safe-driver, multiple vehicle, and vehicle safety discounts applied. In this example, the average amount saved each year on auto insurance for Uber drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 7509,5397],[‘Age 30’, 5191,3757],[‘Age 40’, 4807,3475],[‘Age 50’, 4201,3039],[‘Age 60’, 4061,2933],[‘Age 70’, 4733,3407]]);var options = {title: ‘Insurance Rate Comparison for Uber Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Is Progressive, Allstate, Geico, or State Farm cheaper?

If you are looking for the best car insurance for Uber vehicles in Michigan, the most popular companies are Progressive, Allstate, Geico, and State Farm. The data below compares some of the different options and features that are available for customers.