Cheapest Car Insurance for Uber Drivers in Indiana

Cheapest Car Insurance for Uber Drivers in Indiana

It’s impossible to miss the catchy advertisements from insurers like Liberty Mutual and Progressive that make claims of dirt cheap rates. So you just need to choose one randomly, right?

It’s just not that simple, as there are a whole bunch of unknown aspects like your credit rating, where you live in Indiana, the deductible level you need, and if your vehicle is for work or personal use, that help determine the price you have to pay. In this article, we will teach you about some of these factors and should give you a good start to your coverage search.

Figuring out which company offers the cheapest car insurance rates for Uber drivers involves more work in order to find a policy that fits your budget. Each insurer has a different process to establish rates, so to begin we’ll rank the most affordable car insurance companies in Indiana.

It’s a good idea to know that Indiana car insurance rates are influenced by many factors which can substantially decrease or increase your annual premium. Turning one year older, marrying your spouse, or having a fender bender can trigger rate changes that can cause some rates to be cheaper than others.

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Cheapest Indiana auto insurance companies
Rank Company Cost Per Year
1 Travelers $596
2 USAA $667
3 Cincinnati Insurance $678
4 Erie $705
5 Indiana Farmers Mutual $841
6 Western Reserve $864
7 The Hartford $889
8 Auto-Owners $906
9 Utica National $956
10 Motorists Mutual $956
11 State Farm $957
12 Nationwide $968
13 Safeco $973
14 Hastings Mutual $983
15 Farmers $1,033
16 Westfield $1,072
17 State Auto $1,087
18 GEICO $1,100
19 Wolverine Mutual $1,105
20 Progressive $1,106
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Travelers normally has some of the lowest car insurance rates in Indiana at around $596 per year. USAA, Cincinnati Insurance, Erie, and Indiana Farmers Mutual also rank well as some of the most economical Indiana car insurance companies.

As shown in the table above, if you are insured with Erie and switched to USAA, you may see yearly savings of upwards of $38. Policyholders with Indiana Farmers Mutual may save as much as $174 a year, and Western Reserve policyholders might lower prices by $197 a year.

These premium estimates are averages for all ages of drivers and types of vehicles and and are not calculated with a price decrease for Uber drivers. So the company that fits your needs best may not even be included in the list above. That affirms the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.

The make and model of vehicle to be insured is one of the biggest factors when comparing low-cost coverage for Uber drivers. Vehicles with high performance engines, poor safety features, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models.

The next list estimates insurance costs for the most cost-effective automobiles to insure.

Cheapest Auto Insurance Rates for Uber Drivers in Indiana
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 2WD $526
Honda CR-V EX-L 2WD $613
Toyota RAV4 Sport 4WD $622
Chevrolet Equinox LT AWD $629
Volkswagen Jetta SE 2.5 Station Wagon $628
Ford F-150 XLT Crew Cab 4WD $637
Chevrolet Traverse LT 2WD $640
Ford Edge Sport AWD $659
Honda Odyssey EX-L W/Rear Entertainment $668
Kia Forte LX 4-Dr Sedan $664
Honda Accord EX-L 4-Dr Sedan $670
Jeep Wrangler Sahara 4WD 2-Dr $664
Hyundai Elantra SE Touring Station Wagon $671
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates greatly.

Looking at the data, we can expect cars like the Ford Escape, Honda CR-V, Toyota RAV4, Chevrolet Equinox, and Volkswagen Jetta are most likely going to be the most affordable vehicles to insure for Uber vehicles.

Buying coverage from the highest-rated auto insurance provider can be rather challenging considering how many different insurance companies sell coverage in Indiana. The rank data shown next may help you decide which companies to look at when comparing insurance rates for Uber drivers.

The ratings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into this list. If you would like to check rates from these and other competitive companies, simply click here.

Top 15 Car Insurance Companies in Indiana
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
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Data Source: Insure.com Best Car Insurance Companies

Which auto insurance company is best?

If you are shopping around for auto insurance for Uber vehicles in Indiana, the first places to look would be Progressive, Allstate, Geico, and State Farm. Combined they insure over 45% of the entire U.S. auto insurance market. Each company has slightly different coverages and options that you can choose from. The data below compares and contrasts ratings for price and service, as well as some optional coverages that are available from each company.

Largest Car Insurance Companies Compared
Progressive Allstate Geico State Farm
Price Overall 3rd 4th 1st 2nd
Claims Handling 4th 1st 3rd 2nd
Discounts Available 4th 1st 2nd 3rd
Overall Satisfaction 3rd 2nd 1st 4th
Recommend by customers 88% 86% 87% 88%
A.M. Best financial rating A+ A+ A++ A++
Accident forgiveness Yes Yes Yes No
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Roadside assistance Yes Yes Yes Yes
New car replacement No Yes No No
Usage-based insurance Yes Yes No Yes
Mechnical breakdown Yes No Yes No
Where to buy Online or from independent agents Allstate-only agents Can buy online or use a Geico agent Can only buy from State Farm agents
Number of agents 30,000+ 11,000+ 150+ 18,000+
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Find the cheapest auto insurance for Uber drivers in Indiana

The list below details some of the recommended penny-pinching suggestions that can help drivers quote the cheapest auto insurance.

  • Try paying for small claims out-of-pocket
  • Do not insure for full coverage
  • Drive attentively and avoid accidents
  • Buying car and homeowners insurance together can save money
  • Drive a car with a high safety rating
  • Be a safe driver
  • Comparison shop at least once a year

The last item on the list is extraordinarily necessary, as we pointed out in this write-up. Prices change frequently, so don’t be afraid to switch companies if you find a cheaper price.

Having a favorite company is great, but it’s not recommended if that inflexibility results in costing you a small fortune year after year. If you have a few minutes, now is a great time to compare rates to find cheaper insurance for Uber drivers.