Cheapest Car Insurance Quotes for Uber Drivers in Tennessee

The vehicle you are seeking coverage for is one of the largest considerations that determines if you can find the cheapest auto insurance for Uber drivers. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models. The information below presents coverage rates for some of the most budget-friendly automobiles to insure.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rates do not factor in specific garaging location which can raise or lower auto insurance rates considerably.

By looking at the data, we can tell that cars like the Honda Accord, Honda CR-V, and Chevrolet Traverse are going to be the most economical vehicles to insure for Uber vehicles.

Shopping around for cost effective auto insurance is easier said than done, and determining which companies have the best auto insurance rates for Uber drivers will require even more diligence. Every auto insurer uses a little different formula for establishing rates, so let’s rank the overall cheapest auto insurance companies in Tennessee.

Best Insurance Companies for Your Uber Vehicle

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Utica National quotes some of the lowest car insurance rates in Tennessee at around $744 each year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also qualify as some of the best Tennessee auto insurance companies.

In the above rates, if you currently have coverage with Auto-Owners and switched to Utica National, you might achieve savings of around $92. Drivers with Cincinnati Insurance could save as much as $132 a year, and Penn National insureds might realize rate reductions of up to $155 a year.

Bear in mind that those policy rates are averages for all drivers and vehicles and are not factoring in a rate decrease for Uber drivers. So the auto insurance company that can offer you the lowest price may not even be included in the rate chart shown above. That’s why you need to get auto insurance quotes using your own driver data and vehicle information.

When shopping for the cheapest insurance for Uber vehicles, one of the many things that insurance companies use to calculate the price of your policy is where you keep your car. Areas with a lot of weather claims or more people like Memphis, Bartlett, and Jackson tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.

The following table rates the most expensive places in Tennessee for Uber drivers to purchase car insurance in.

Premium costs are comparative as the garaging address in Tennessee can alter premiums considerably.

Types of discounts on Tennessee auto insurance

Insurers that offer the cheapest car insurance for Uber drivers in Tennessee may also offer discounts that could lower prices by 35% or more if you are eligible. A list of companies and a partial list of their discounts are detailed below.

The information below visualizes the comparison of yearly insurance costs with and without discounts applied to the premium. The data is based on a female driver, no driving violations, no at-fault accidents, Tennessee state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with claim-free, multiple vehicle, multiple policy, passive restraint, accident-free, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for Uber drivers is 13% or $295.

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State Farm vs Geico vs Allstate vs Progressive

When comparing car insurance for Uber vehicles in Tennessee, four of the best places to start are State Farm, Geico, Allstate, and Progressive. When added together, they insure over 45% of all policies written. The following table rates some of the ratings and options offered by each one.