Who Has the Cheapest Auto Insurance for Uber Drivers in Delaware?

The vehicle to be insured is probably the largest consideration in finding cheaper coverage for Uber drivers. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than high performance models.

The table below presents car insurance prices for a handful of the cheapest automobiles to buy coverage for.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in your specific Delaware location which can affect price quotes considerably.

Based on these rates, vehicles like the Honda CR-V, Ford F-150, Hyundai Tucson, Chevrolet Traverse, and Ford Escape are most likely to be some of the more affordable vehicles to insure for Uber vehicles.

When shopping for the cheapest insurance for Uber vehicles, one of the many criteria that impact the cost of insurance is your zip code in Delaware. Areas that are densely populated or have higher claim frequency like Wilmington, Wilmington Manor, and New Castle tend to have higher rates, whereas areas with less crime or weather claims benefit from having to pay less for coverage.

The next table illustrates the most expensive areas in Delaware for Uber drivers in which to purchase auto insurance.

Premium amounts are estimated as specific Delaware zip code can raise or lower insurance rates considerably.

Careless Delaware drivers pay higher rates

The obvious way to find low auto insurance premiums in Delaware for Uber vehicles is to be a safe driver and avoid traffic citations and accidents. The information below highlights how speeding tickets and at-fault accidents can drive up auto insurance costs for each age group. The data is based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

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In the chart above, the average cost of auto insurance per year with no violations or accidents is $2,163. Get one speeding ticket and the average cost surges to $2,490, an increase of $327 each year. Now throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for Uber drivers goes up to an average of $3,407. That’s an increase of $1,244, or $104 per month, just for not being more responsible behind the wheel!

Picking the right car insurance provider can be rather challenging considering how many companies there are in Delaware. The rank data below may help you analyze which car insurance providers to look at when shopping insurance around for Uber drivers. These ratings only include the largest companies in the United States, so companies that have a smaller presence are not included in this list.

Top 10 Large Auto Insurers in Delaware Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top 10 Large Auto Insurers in Delaware 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

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

If you’re looking for the best auto insurance for Uber vehicles in Delaware, four of the larger companies to compare rates for are State Farm, Geico, Allstate, and Progressive. Combined they insure over 48% of all policies written in the United States. All offer liability and physical damage insurance, but each one has a little bit different set of discounts and options that may influence your choice. The following table points out price and claims rank as well as some different options offered by each company.