It’s impossible to miss the captivating commercials from insurers like Nationwide and Progressive that make claims of huge savings. So you just need to select the one with the best jingle, right?
Unfortunately, it’s not that simple as there are a ton of unknown factors like where you live, if you have any tickets or accidents, and if you need full coverage or liability-only. We will touch on these types of topics and will hopefully give you a good start to your coverage search.
The type of vehicle to be insured is probably the biggest factor when shopping for cheap car insurance for immigrants. Vehicles with higher performance, poor safety features, or high incidents of liability claims will cost significantly more to insure than safer models. The list below ranks car insurance costs for some of the cheaper automobiles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Toyota Tacoma Double Cab 4WD | $1,832 |
| Volkswagen Jetta S 4-Dr Sedan | $1,842 |
| Chevrolet Impala LTZ | $1,928 |
| Ford Escape Limited 2WD | $1,942 |
| Honda CR-V EX-L 2WD | $1,948 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,962 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,969 |
| Ford Focus SE 2-Dr Coupe | $2,058 |
| Hyundai Sonata SE 4-Dr Sedan | $2,063 |
| Nissan Rogue SL AWD | $2,058 |
| Ford Edge SEL 2WD | $2,064 |
| Honda Accord EX-L 4-Dr Sedan | $2,063 |
| Chevrolet Equinox LT 2WD | $2,097 |
| Toyota Prius | $2,109 |
| Ford Explorer Eddie Bauer 4WD | $2,137 |
| Dodge Grand Caravan Crew | $2,142 |
| Chevrolet Malibu LT | $2,137 |
| Ford F-150 XL Crew Cab 4WD | $2,168 |
| Hyundai Elantra GLS 4-Dr Sedan | $2,207 |
| Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD | $2,224 |
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Table data does not factor in specific zip code location which can decrease or increase insurance rates noticeably.
Based upon the table data, we can expect vehicles like the Toyota Tacoma, Volkswagen Jetta, Chevrolet Impala, Ford Escape, and Honda CR-V are some of the cheapest vehicles to insure for foreigners.
One of the many criteria that aid in calculating insurance cost is where you keep your car. More densely populated places tend to pay slightly more, whereas areas with less congestion benefit from lower prices.
The information below rates the highest-priced areas in Arizona for immigrants to buy car insurance in. Phoenix is ranked at #1 with an annual cost of $1,268 for the average insured, which is about $106 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,161 |
| 5 | Gilbert | $1,154 |
| 6 | Tempe | $1,152 |
| 7 | Scottsdale | $1,151 |
| 8 | Buckeye | $1,144 |
| 9 | Goodyear | $1,131 |
| 10 | Peoria | $1,126 |
| 11 | Mesa | $1,113 |
| 12 | Maricopa | $1,107 |
| 13 | Chandler | $1,093 |
| 14 | Surprise | $1,090 |
| 15 | Casa Grande | $1,079 |
| 16 | Casas Adobes | $1,072 |
| 17 | Oro Valley | $1,062 |
| 18 | Tucson | $1,061 |
| 19 | Catalina Foothills | $1,050 |
| 20 | Yuma | $992 |
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Rates are estimated as specific location information can revise coverage prices greatly.
Get discount Phoenix car insurance rates
Car insurance companies that offer cheap quotes for immigrants may also give you premium discounts that could reduce prices by as much as 35% if you meet the requirements. Popular auto insurance companies and their possible discounts are outlined below.
- AAA policyholders can earn discounts including pay-in-full, multi-policy, good driver, anti-theft, education and occupation, AAA membership discount, and multi-car.
- Progressive discounts include online signing, continuous coverage, multi-policy, online quote discount, good student, multi-vehicle, and homeowner.
- State Farm may offer discounts for multiple autos, safe vehicle, multiple policy, Drive Safe & Save, passive restraint, good driver, and good student.
- Esurance has discounts for DriveSense, claim free, good driver, anti-theft, good student, and defensive driver.
- Nationwide offers discounts for defensive driving, accident-free, easy pay, business or organization, and Farm Bureau membership.
The information below shows the difference between car insurance costs with and without discounts. The rate quotes are based on a female driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, anti-theft, multiple vehicle, claim-free, passive restraint, and vehicle safety discounts applied. With discounts applied, the average savings per year on auto insurance for immigrants is 28% or $372.
Price comparison of only insuring for liability
Saving money when shopping for auto insurance is the goal of the majority of vehicle owners, and one of the fastest ways to find cheaper insurance for immigrants is to not pay for full coverage. The example below shows the difference between yearly insurance costs with and without physical damage coverage. The premiums are based on no violations or claims, $250 deductibles, single status, and no additional discounts are factored in.
If we average all the age groups together, comprehensive and collision coverage on your policy costs an additional $1,745 per year more than carrying just liability coverage. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no exact formula to stop paying for physical damage insurance, but there is a general guideline. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
There are a few situations where buying only liability insurance is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Picking a highly-rated insurance provider can be rather challenging considering how many different companies there are to choose from in Phoenix. The ranking data in the next section may help you pick which coverage providers to look at shopping your coverage with.
These ratings only include large insurance companies, so companies with more of a regional focus will not be included in these rankings. If you would like to check rates from many more Arizona auto insurance companies, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Why you should be shopping around
Phoenix, AZ auto insurance rates are impacted by many factors which can substantially change the cost of your policy. Improving your credit score, having a teenage driver, or having an at-fault accident may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition. Not only may your situation change, but car insurance companies file new Arizona car insurance rates at least once a year to reflect underwriting profits or losses. A period of increased losses may cause price increases, while lower claim levels can produce lower-priced Phoenix car insurance rates.
To help illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in Phoenix, AZ for a 40-year-old female driver with no violations or accidents, and a decent credit rating. If we compare prices based on her current situation, The Hartford may offer the cheapest car insurance rates in Phoenix at $1,192 each year. This is $236 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the most affordable Phoenix, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart an at-fault accident, bad credit, and a speeding citation. Due to the fact that each insurance company has a proprietary formula for determining prices, comparing insurance quotes may result in a different list of the cheapest Phoenix car insurance companies as shown below.
GEICO now has the lowest car insurance rate in Phoenix with Ameriprise Group, Allied, Auto-Owners, and CSAA now being in the top five. This example illustrates why it is critical to take the time to shop around when trying to find the most affordable car insurance rates for immigrants. Auto insurance prices are calculated by many factors and change frequently, so the cheapest rate three years ago may now be costing you a lot of money.
The insurance agencies below are a good start to answer your questions and help you decide which car insurance company is the best fit, since many consumers aren’t sure which coverage to buy and prefer to get some guidance when trying to find lower insurance rates for immigrants. It can be challenging to find the best coverage yourself, so getting advice from a licensed agent can add comfort knowing your coverage gives you suitable coverage if you ever need to use it. To locate a Phoenix insurance agent nearest to you, click the button at the bottom or click here to compare price quotes.
- Chuck Kelly – State Farm Insurance Agent
314 E Thomas Rd – Phoenix, AZ 85012 – (602) 277-5776 - Lupita Fernandez – State Farm Insurance Agent
2610 W Baseline Rd Ste 116 – Phoenix, AZ 85041 – (602) 633-2088 - Best Buy Insurance
3917 S Central Ave – Phoenix, AZ 85040 – (602) 268-2548