The vehicle model driven is a significant factor that determines whether or not you find cheaper car insurance for Lyft drivers. Vehicles with lower performance, excellent safety ratings, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The data below shows insurance prices for some of the most affordable vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $935 |
| Honda Odyssey LX | $1,028 |
| Ford F-150 STX Regular Cab 4WD | $1,047 |
| Toyota Tacoma Double Cab 4WD | $1,127 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,146 |
| Honda CR-V LX 4WD | $1,148 |
| Ford Escape XLS 2WD | $1,155 |
| Toyota Camry XLE | $1,164 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,186 |
| GMC Sierra SLE Crew Cab 4WD | $1,194 |
| Dodge Ram Crew Cab ST 2WD | $1,208 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,228 |
| Hyundai Sonata SE 4-Dr Sedan | $1,245 |
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in specific location which can change auto insurance rates substantially.
Looking at the data, you can presume that makes and models like the Honda Accord, Honda Odyssey, Ford F-150, Toyota Tacoma, and Jeep Wrangler will be a few of the less-costly vehicles to insure for Lyft vehicles.
For Lyft vehicles, one of the big things that determine auto insurance rates is where you keep your vehicle. Larger areas likely pay more, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The table below rates the highest-priced places in California for Lyft drivers to purchase car insurance in. Fresno is ranked at #15 with the yearly price of $1,517 on average, which is approximately $126 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,578 |
| 8 | Stockton | $1,556 |
| 9 | Moreno Valley | $1,551 |
| 10 | Santa Clarita | $1,548 |
| 11 | Modesto | $1,547 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Fontana | $1,519 |
| 15 | Fresno | $1,517 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,389 |
| 20 | San Diego | $1,381 |
| 21 | Huntington Beach | $1,374 |
| 22 | Chula Vista | $1,350 |
| 23 | Irvine | $1,343 |
| 24 | Bakersfield | $1,340 |
| 25 | Oxnard | $1,318 |
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Rate information is estimated as specific Fresno zip code can alter rates greatly.
Picking the highest-rated insurance provider can be rather challenging considering how many different companies sell coverage in Fresno. The company information shown next can help you pick which coverage providers you want to consider when trying to find cheaper insurance for Lyft drivers. The ratings below include companies that insure vehicles nationwide, so companies that only write business in California or surrounding areas are not taken into consideration for the list.
Top 10 Major Car Insurance Companies in Fresno Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Get discounts on Fresno auto insurance
Insurance companies that sell policies for Lyft drivers could also offer price discounts that could reduce prices by as much as 30% if you are eligible to receive them. A list of insurance companies and some of the discounts are detailed below.
- Progressive discounts include homeowner, online signing, online quote discount, good student, continuous coverage, and multi-vehicle.
- SAFECO has savings for multi-car, anti-lock brakes, homeowner, teen safe driver, and anti-theft.
- American Family may have discounts that include mySafetyValet, TimeAway discount, multi-vehicle, air bags, early bird, and Steer into Savings.
- MetLife has discounts for claim-free, defensive driver, multi-policy, good driver, and accident-free.
- GEICO offers discounts for anti-lock brakes, multi-policy, five-year accident-free, anti-theft, and daytime running lights.
- The Hartford may include discounts for driver training, vehicle fuel type, defensive driver, air bag, anti-theft, and bundle.
The diagram below illustrates the comparison of insurance costs with and without some available policy discounts. The price estimates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, multiple vehicle, accident-free, vehicle safety, marriage, and safe-driver discounts applied. With discounts applied, the average savings per year on insurance for Lyft drivers is 28% or $608.
Why you should be comparing rates
California insurance rates are based on many factors that control your annual premium. Turning one year older, moving to a different location, or getting a ticket for running a stop sign can trigger price changes resulting in some companies being more affordable than others. And not only may your rating factors change, but companies change the rates they charge in California as often as every quarter as an adjustment for underwriting gains or losses. An extended period of higher than normal claims can cause increased policy costs, while profitable underwriting can result in lower-cost Fresno car insurance rates.
The data below shows a variety of companies that have the cheapest car insurance in Fresno, CA for a 45-year-old female driver with no violations or accidents, and a good credit history. When quoting prices based on her current situation, USAA may offer the best car insurance rates in Fresno at $1,255 a year. This is $396 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remaining best Fresno, CA auto insurance companies.
Let’s now give the driver from the first example a claim, poor credit, and a few blemishes on her driving record. Since every car insurance company uses their own method to determining premium rates, comparing prices may now result in a substantially altered list of affordable Fresno car insurance companies as shown below.
Grange now has the best price on car insurance in Fresno, CA with Mercury, GEICO, Progressive, and Allstate now rounding out the top five. This example demonstrates why it is critical to shop around when trying to get the most economical auto insurance rates for Lyft drivers.
Insurance rates are determined by many things and can increase or decrease at any time, so the best company the last time you compared rates may now be priced much higher than other options.