The words “affordable” and “auto insurance” really should not be used together, especially when you are trying to find the cheapest coverage for Lyft drivers. Because it’s not cheap, let’s open your eyes to some of the factors that determine car insurance rates, and find a way to shave a little off your next policy.
One of the many criteria that aid in calculating the amount you pay for auto insurance is where you live. Cities with larger populations or higher claim trends tend to have higher rates, whereas more rural areas benefit from lower rates.
The table below rates the highest-priced places in Arizona for Lyft drivers in which to buy car insurance. Mesa shows up at #8 with an annual rate of $1,125 for the average policyholder, which is approximately $94 monthly.
|6||San Tan Valley||$1,150|
|25||Lake Havasu City||$844|
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Prices are approximated as the specific zip code location can lower or raise rates considerably.
The vehicle model you are trying to insure is probably the largest consideration that determines the availability of the best car insurance for Lyft drivers. Vehicles with limited speed and performance, excellent safety ratings, or a track record of few liability claims will cost substantially less to insure than higher performance models. The next table presents auto insurance premiums for some of the most budget-friendly vehicles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$1,451|
|Honda CR-V EX 4WD||$1,688|
|Chevrolet Impala LS||$1,691|
|Volkswagen Jetta LE 4-Dr Sedan||$1,723|
|Toyota RAV4 2WD||$1,729|
|Ford Explorer Limited 4WD||$1,756|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,816|
|Kia Optima LX||$1,846|
|GMC Sierra SL Crew Cab 2WD||$1,848|
|Ford Edge SEL 2WD||$1,855|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$1,865|
|Jeep Grand Cherokee Laredo 4WD||$1,884|
|Chevrolet Malibu LS||$1,893|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,913|
|Dodge Grand Caravan Crew||$1,922|
|Ford Focus SE 2-Dr Coupe||$1,938|
|Chevrolet Equinox LS 2WD||$1,943|
|Honda Civic LX 4-Dr Sedan||$1,952|
|Hyundai Sonata Limited 4-Dr Sedan||$1,971|
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in Mesa, AZ location which can change insurance rates substantially.
Based upon the rates shown, we can conclude that makes and models like the Ford Escape, Toyota Prius, and Honda CR-V are likely to be a few of the cheapest vehicles to insure for Lyft vehicles.
Figuring out which insurers offer the cheapest auto insurance rates for Lyft drivers will take a little more work in order to find the best policy. Each insurer has a unique approach for determining prices, so let’s rank the overall cheapest auto insurance companies in Arizona.
It’s a good idea to be aware that Mesa, AZ auto insurance rates are impacted by many things that control the cost of having a policy. Simply improving your credit, buying another vehicle, or getting into an accident can trigger price changes that can now make some companies cheaper in comparison to the competition.
Best Car Insurance Prices for Your Lyft Vehicle
The Hartford normally has some of the lowest car insurance rates in Mesa at around $811 annually. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the cheaper Mesa, AZ insurance companies.
As depicted above, if you are a policyholder with Auto-Owners and switched to The Hartford, you might realize savings of upwards of $113. Customers with Travelers could save as much as $308 a year, and USAA policyholders might reduce rates by $313 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or visit several of the following companies.
Bear in mind that those policy prices are averages for all insureds and vehicles and are not factoring in an exact vehicle garaging location for Lyft drivers. So the insurer that fits your situation best may not even be in the top 28 companies shown above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
Responsible drivers pay cheaper auto insurance rates
The common sense way to obtain cheap auto insurance rates in Mesa for Lyft vehicles is to drive safely and avoid at-fault accidents and violations. The example below illustrates how violations and accident claims can affect insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
In the prior example, the average cost of a car insurance policy in Mesa per year with no accidents or violations is $1,826. Add in two speeding tickets and the average cost rises to $2,443, an increase of $616 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for Lyft drivers jumps again to an average of $3,068. That’s an increase of $1,242, or $103 per month, just for not paying attention while driving!
Discount Mesa auto insurance
Insurance companies that offer coverage for Lyft drivers may have premium discounts that could potentially reduce rates by 25% or more if you are eligible to receive them. The best auto insurance companies and a selection of discounts can be found below.
- American Family offers premium reductions for accident-free, mySafetyValet, good driver, defensive driver, and bundled insurance.
- State Farm has discounts for good driver, Steer Clear safe driver discount, accident-free, driver’s education, anti-theft, multiple autos, and multiple policy.
- 21st Century may offer discounts for 55 and older, homeowners, air bags, theft prevention, and anti-lock brakes.
- Travelers policyholders can earn discounts including good student, IntelliDrive, driver training, student away at school, and payment discounts.
- GEICO offers discounts including seat belt use, emergency military deployment, good student, federal employee, driver training, and membership and employees.
The information below shows the comparison of premium costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with claim-free, multiple vehicle, multiple policy, homeowner, marriage, and safe-driver discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for Lyft drivers is 28% or $556.
How to find budget-friendly car insurance for Lyft drivers
Here are many thrifty ideas that can help Arizona drivers locate low-cost auto insurance.
- Improve your credit
- Higher deductibles save money
- Buy a car with high safety ratings
- Multi-policy discounts save money
- Save money by only buying liability coverage for older vehicles
- Too many claims can make car insurance unaffordable
- Compare rates regularly to ensure the best deal
The last tip in the list is notably necessary, as we hit on in the article above. Insurance prices fluctuate constantly, so don’t be afraid to buy a different policy if you find a cheaper price.
Brand loyalty is great, but it isn’t a good idea if that stubbornness costs you hundreds of dollars a year. Now is a great time to compare prices to find cheaper auto insurance for Lyft drivers in Mesa.
The agents below can help you determine which insurance coverage you need, as many consumers aren’t sure which coverage to buy and prefer to get some help when trying to find the best insurance rates for Lyft vehicles. It can be time-consuming to do it yourself, so getting advice from a licensed Arizona insurance agent can provide satisfaction knowing you have enough coverage if you have a claim. To find a Mesa insurance agent near you, click the button at the bottom of the list or click here to compare price quotes.
Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333
Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140