Cheap Auto Insurance Quotes for Uber Drivers in Massachusetts

You have most likely watched the catchy advertisements from insurers like Allstate, Nationwide, and Farmers claiming huge savings, so drivers should just pick one randomly, right?

It’s just not that easy, however, as there are a whole bunch of unknowns like whether or not you are married, the liability limit you need, if you are a man or woman, and if you have ever let your policy lapse, that all have an effect on the price. This article covers these topics and will hopefully give you a solid foundation to find cheaper car insurance in Massachusetts.

Deciding which company quotes the best car insurance rates for Uber drivers takes more time in order to find the lowest price. Every auto insurer has their own unique process to set premium rates, so we will examine the car insurance companies that tend to have lower prices in Massachusetts.

It’s important to understand that Massachusetts car insurance rates are impacted by many factors which can substantially change the price of your policy. Simply turning a year older, increasing liability limits, or getting into an accident may prompt premium changes resulting in some companies being more affordable than the competition.

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State Farm may offer some of the best car insurance rates in Massachusetts at around $719 each year. National Grange Mutual, OneBeacon, GEICO, and Commerce Group also qualify as some of the most economical Massachusetts car insurance companies.

In the rate table above, if you currently buy coverage from GEICO and switched to State Farm, you might achieve an annual savings of in the vicinity of $157. Insureds with Commerce Group may save as much as $183 a year, and Progressive customers might see rate reductions of $270 a year.

Understand that those policy prices are averaged across all drivers and vehicles in Massachusetts and are not factoring in a rate discount for Uber drivers. So the auto insurance company that fits your age and vehicle best may not even be included in the above rate chart. That points out the importance of why you need to compare as many prices as possible using your own individual information.

When shopping for auto insurance for Uber vehicles, one of the many considerations that determine auto insurance rates is where your home is located in Massachusetts. Larger areas like Revere, Lynn, and Springfield are more likely to have higher rates, whereas cities that are not as densely populated generally pay less for auto insurance.

The illustration below shows the most expensive areas in Massachusetts for Uber drivers in which to buy car insurance.

Rate information is comparative as specific Massachusetts garaging address can raise or lower coverage prices noticeably.

The type of vehicle that needs insurance is one of the largest considerations that determines whether or not you find low-priced car insurance for Uber drivers. Vehicles with lots of horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer models. The next list shows coverage premiums for a handful of the most economical vehicles to insure in Massachusetts.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in your specific Massachusetts location which can raise or lower coverage rates significantly.

Looking at the data, we can tell that cars like the Jeep Wrangler, Honda CR-V, and Ford Escape will definitely be some of the cheapest vehicles to insure for Uber vehicles.

Geico, State Farm, Allstate, or Progressive: Which is best?

When shopping around for auto insurance for Uber vehicles in Massachusetts, the companies that insure more vehicles than anyone else are Geico, State Farm, Allstate, and Progressive. The table below compares and contrasts some of the different options that may be available in Massachusetts.

Cheapest insurance quotes for Uber vehicles

There are many different ways to find cheap car insurance in Massachusetts, but the most prevalent are from an exclusive agency such as Liberty Mutual or Allstate, an independent insurance agent, or buying direct from a company like Geico or Progressive. Each way is similar, but each is slightly different in how they provide rate quotes.

Independent agents have contracts with multiple insurance companies and can compare rates with all of them. These agents are not locked into one company and can give you a larger rate selection, which can help you get a better chance of saving money. If a cheaper rate is found, your policy can be moved and you can keep the same agent.

Exclusive agents are able to place business with just one company, a couple examples are an Auto-Owners or State Farm agent. These agents are not able to provide rate quotes from other companies, which necessitates shopping around.

Choosing to buy car insurance direct means you do not use local agents and instead buy from a direct company like Progressive. This car insurance option may be a decent choice consumers who have fewer assets and have knowledge of what is covered and what is not.

When shopping for car insurance, which way works best to find cheap car insurance for Uber drivers in Massachusetts? The obvious answer would be shopping direct results in the best prices because you bypass the agent, but that generally is not the case. A valid argument could also be made that an independent agent guarantees the lowest rates because they can quote many companies, but that is not accurate either. For the right applicant, the exclusive agents have extremely competitive rates that are impossible to beat.

Due to the fact that car insurance rates vary so much, the only real way to get the lowest rate is to get rate quotes and compare. Be sure to get prices from all three to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.