Wouldn’t this article be short if we could tell you instantly one specific company that has the cheapest rates for Lyft drivers? Regrettably, it’s not quite that easy, as there are a whole slew of unknown elements such as the crime level of your neighborhood, if you have a spouse, your annual mileage driven, and if you currently have coverage, that all impact the price you pay. We will attempt to cover the best ways to save money and educate you enough to have a good start to your coverage search.
The car, truck, or SUV driven is probably the most important factor when quoting the cheapest coverage for Lyft drivers. Vehicles with high performance, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than more economical and safe models.
The next table features auto insurance costs for some of the more affordable automobiles to insure in Pennsylvania.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $4,541 |
| Honda CR-V LX 4WD | $4,683 |
| Chevrolet Malibu Hybrid | $4,922 |
| Toyota Camry LE | $4,929 |
| Chevrolet Equinox LS 2WD | $4,922 |
| Toyota RAV4 2WD | $4,930 |
| Toyota Prius | $5,051 |
| Dodge Grand Caravan SE | $5,078 |
| Hyundai Elantra Blue 4-Dr Sedan | $5,087 |
| Chevrolet Silverado LS Regular Cab 4WD | $5,156 |
| Toyota Corolla LE | $5,184 |
| Ford Edge Limited AWD | $5,193 |
| Chevrolet Impala LS | $5,266 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $5,276 |
| Ford Focus SE 4-Dr Sedan | $5,413 |
| Ford F-350 XL Crew Cab Turbo Diesel 2WD | $5,459 |
| Ford Explorer Limited 4WD | $5,482 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $5,489 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $5,542 |
| Kia Optima SX | $5,625 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $5,661 |
| Ford F-150 XLT Crew Cab 4WD | $5,668 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $5,716 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price estimates do not factor in zip code location which can lower or raise price quotes significantly.
By looking at the data, cars like the Ford Escape, Honda CR-V, Chevrolet Malibu, and Toyota Camry should be the most budget-friendly vehicles to insure for Lyft vehicles.
For Lyft vehicles, one of the big things that aid in calculating the amount you pay each year for auto insurance is where your residence is. Larger areas tend to pay slightly more, whereas more rural areas have the benefit of cheaper car insurance.
The table below rates the most costly cities in Pennsylvania for Lyft drivers in which to purchase auto insurance. Philadelphia shows up at #1 with the annual price of $1,977 for the average insurance policy, which is around $165 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Philadelphia | $1,977 |
| 2 | Drexel Hill | $1,549 |
| 3 | Chester | $1,435 |
| 4 | Levittown | $1,421 |
| 5 | Norristown | $1,307 |
| 6 | Allentown | $1,141 |
| 7 | Reading | $1,110 |
| 8 | Pittsburgh | $1,095 |
| 9 | Easton | $1,091 |
| 10 | Plum | $1,089 |
| 11 | Wilkes-Barre | $1,079 |
| 12 | Erie | $1,071 |
| 13 | Municipality of Monr | $1,059 |
| 14 | Hazleton | $1,046 |
| 15 | Bethlehem | $1,045 |
| 16 | Altoona | $1,042 |
| 17 | Scranton | $1,039 |
| 18 | Harrisburg | $1,025 |
| 19 | New Castle | $1,015 |
| 20 | Williamsport | $996 |
| Compare Prices Now Go | ||
Rate quotes are estimated as the vehicle garaging location can decrease or increase auto insurance rates greatly.
Ending up with the top auto insurance provider can be challenging considering how many choices there are in Pennsylvania. The ranking data displayed below can help you choose which auto insurance companies to look at purchasing a policy from.
The rankings below are only comprised of the largest auto insurers in America, so smaller companies that only insure vehicles in Pennsylvania are not included in these rankings. To compare prices from these and other top-rated companies, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| The General | 96 | 100 | 92 | 91% | A- | 95 |
| Titan Insurance | 87 | 96 | 94 | 93% | A+ | 92.9 |
| The Hartford | 88 | 96 | 91 | 93% | A+ | 92.6 |
| Progressive | 84 | 94 | 99 | 90% | A+ | 92.4 |
| Travelers | 84 | 93 | 100 | 87% | A++ | 92.3 |
| State Farm | 84 | 93 | 95 | 87% | A++ | 91 |
| Farmers Insurance | 87 | 92 | 90 | 85% | A | 90.6 |
| Erie Insurance | 79 | 93 | 90 | 87% | A+ | 88.6 |
| Safeco Insurance | 85 | 91 | 87 | 86% | A | 88.4 |
| USAA | 71 | 93 | 98 | 87% | A++ | 88 |
| GEICO | 73 | 93 | 95 | 85% | A++ | 87.1 |
| 21st Century | 85 | 85 | 91 | 89% | A | 86.9 |
| Liberty Mutual | 72 | 91 | 97 | 83% | A | 86.4 |
| AAA Insurance | 85 | 85 | 88 | 86% | A | 85.8 |
| Nationwide | 71 | 90 | 93 | 83% | A+ | 84.9 |
| Allstate | 69 | 92 | 92 | 83% | A+ | 84.4 |
| American Family | 77 | 96 | 80 | 85% | A | 83.8 |
| Esurance | 70 | 80 | 89 | 77% | A+ | 79.2 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Responsible drivers pay cheaper auto insurance rates
In a perfect world, the best way to snag cheap auto insurance prices in Pennsylvania for Lyft vehicles is to drive carefully and avoid accidents and keep your driving record clean. The information below illustrates how traffic citations and fender-benders can affect yearly insurance costs for different age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
In the previous example, the average cost of a car insurance policy per year with no violations or accidents is $1,793. Get written up for one speeding ticket and the average cost surges to $2,060, an increase of $268 each year. Now get one accident along with the one speeding ticket and the annual cost of auto insurance for Lyft drivers jumps again to an average of $2,811. That’s an increase of $1,018, or $85 per month, just for not being attentive to the road!
How to find low-cost insurance for Lyft drivers
Here are some thrifty solutions that can help drivers buy more affordable car insurance.
- Remain accident-free and save
- Improve your credit score
- Drive a car with a high safety rating
- Frequent claims will increase rates
- Drive safely
- Shop around for lower rates once a year
That final tip is certainly important, as was pointed out in the article above. Auto insurance prices vary considerably, so don’t be tentative to buy from a different company if a cheaper rate is available. Brand loyalty is not necessarily bad, but we do not recommend it if that dedication is costing lots of money. It only take a few minutes to compare rates and find cheaper auto insurance for Lyft drivers in Philadelphia.
The agents shown below can help you determine which insurance coverage you need, as some people have coverage questions and would like to have some advice when shopping for cheaper insurance for Lyft drivers. It’s not always easy to find the cheapest auto insurance company, so agents can add satisfaction knowing you have enough coverage when you need it.
To locate an agency in your neighborhood, click the button following the list.
- Jack Stabler – State Farm Insurance Agent
6726 Torresdale Ave – Philadelphia, PA 19135 – (215) 331-4300 - Burg Insurance
2707 Kirkbride St – Philadelphia, PA 19137 – (215) 744-4100 - Wanda Dancy – State Farm Insurance Agent
2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390