The words “low-cost” and “insurance” probably shouldn’t be used in the same sentence, specifically when looking for the lowest insurance rates for immigrants. Because it’s not cheap, let’s teach you some things that significantly impact auto insurance rates, and figure out some ideas to take the sting out of the next policy you buy.
The vehicle to be insured is probably the most important factor when shopping for low-priced coverage for immigrants. Vehicles with limited speed and performance, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than high performance models. The next list ranks auto insurance rates for a handful of the most budget-friendly automobiles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,313|
|Hyundai Elantra GLS Touring Station Wagon||$1,357|
|Ford Escape XLS 4WD||$1,366|
|Jeep Grand Cherokee Laredo 2WD||$1,421|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,490|
|Honda Odyssey LX||$1,498|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,498|
|Toyota Corolla XLE||$1,507|
|Chevrolet Impala LS||$1,522|
|Ford Edge Limited 2WD||$1,527|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,544|
|Chevrolet Silverado LS Regular Cab 2WD||$1,547|
|Dodge Ram Crew Cab SLT 2WD||$1,549|
|Chevrolet Equinox LT 2WD||$1,552|
|Dodge Grand Caravan Hero||$1,599|
|Hyundai Sonata SE 4-Dr Sedan||$1,608|
|Compare Cheap Rates Go|
Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in your specific Tucson, AZ location which can influence insurance rates significantly.
Based on these rates, you can see that vehicles like the Honda CR-V, Hyundai Elantra, Ford Escape, Jeep Grand Cherokee, and Toyota Prius are most likely going to be the most budget-friendly vehicles to insure for foreigners.
Deciphering which insurers offer the lowest-priced insurance rates for immigrants calls for a little more work than just comparing rates from one or two companies. Each insurer uses their own formula for filing rates in each state, so we’ll go over the insurance companies with the overall cheapest rates in Tucson, AZ.
Lowest Insurance Price Quotes for Migrants
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford may offer some of the cheapest car insurance rates in Tucson at around $845 per year. Auto-Owners, Safeco, USAA, and Travelers are also some of the most economical Tucson, AZ auto insurance companies.
As depicted above, if you are currently insured with Travelers and switched to Auto-Owners, you could see a yearly price reduction of approximately $211. Arizona drivers with Progressive might save as much as $233 a year, and GEICO insureds might reduce rates by $280 a year.
To get a quick, customized rate comparison, click here to start a quote or quote rates from the companies below.
Be aware that those policy rates are averaged for all types of insureds and vehicles and and are not figured with an exact vehicle garaging location for immigrants. So the auto insurance company that can offer you the best price may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own individual information.
For foreigners, one of the more important components that are looked at to determine the cost of insurance is where you live in Tucson. Areas with high crime rates or more dense population will most likely pay more, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.
The following table shows the highest-priced areas in Arizona for immigrants to buy an auto insurance policy in. Tucson ranks #13 with an annual cost of $1,105 for the average insured, which is about $92 each month.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,196|
|25||Lake Havasu City||$852|
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Price information shown is approximated as specific Tucson garaging address can decrease or increase price quotes noticeably.
Impact of speeding/accidents on Tucson insurance rates
A great way to enjoy cheap insurance rates for foreigners is to drive safely and have a clean driving record. The illustration below demonstrates how citations and accidents can drive up car insurance costs for different age groups of insureds. The premiums are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of auto insurance per year with no accidents or violations is $1,285. Add in one speeding ticket and the average cost hikes up to $1,502, an increase of $217 each year. Now get one accident along with the one speeding ticket and the 12-month cost of insurance for immigrants increases to an average of $2,106. That’s an increase of $821, or $68 per month, just for not maintaining a clean driving record!
Choosing the best auto insurance provider can be challenging considering how many choices drivers have in Arizona. The rank data shown below can help you decide which coverage providers to look at when insurance shopping for immigrants.
The ratings below only include large insurance companies, so companies that have a smaller presence are not factored into this list. If you would like to check rates and find cheaper insurance for immigrants, click this link.
Top 10 Large Auto Insurance Companies Overall in Tucson
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Large Auto Insurance Companies in Tucson Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Your cheap policy may actually be overpriced
Arizona insurance rates are calculated based on many things that may substantially change the price you pay for coverage. Getting older, becoming a homeowner, or getting into an accident can cause premium changes resulting in some rates now being more affordable than others. Not only may things change on your end, but insurance companies amend pricing as needed in order to offset underwriting gains or losses. Higher than normal claims may result in higher prices, while less frequent claims can produce lower-priced Tucson car insurance rates.
For example, the chart below analyzes the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with no prior accidents, a clean driving record, and excellent credit. If we estimate prices based on his current situation, The Hartford offers the lowest car insurance rates in Tucson at $1,001 per year. This is $427 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the best Tucson, AZ auto insurance companies.
Now we will give the driver in the first example some claims, poor credit, and a few blemishes on his driving record. Since each auto insurer has their own process to set their prices, analyzing rate quotes may now show a completely different list of affordable Tucson car insurance companies as shown below.
GEICO now has the lowest price in Tucson with Allied, Ameriprise Group, Auto-Owners, and CSAA also being competitive. This illustrates why consumers need to take the time to compare rates to find the lowest car insurance rates for immigrants. Rates are calculated by many factors and can decrease or increase without notice, so the most economical option when you last compared rates may now be one of the higher cost companies.
The agents below can most likely provide answers to your questions and help you determine which coverages and limits you need, as lots of people like to have a consultation when trying to find the best insurance rates for immigrants. It can be challenging to find the best coverage on your own, and getting advice from a licensed Arizona insurance agent can provide peace of mind knowing your coverage gives you adequate protection.
To locate a Tucson auto insurance agent near you, click the link after the list.
Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079
Rick McGee – State Farm Insurance Agent
7630 N la Cholla Blvd – Tucson, AZ 85741 – (520) 529-4676
American Family Insurance – Thom Wadlund
4500 E Grant Rd Ste A – Tucson, AZ 85712 – (520) 318-0734
Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900
How to find cheaper car insurance for immigrants
Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help Tucson drivers buy more affordable coverage.
- Buy vehicles with good safety ratings
- Buying your home and auto policies from the same company can earn a discount
- Avoid getting citations and tickets
- Prevent price hikes by avoiding at-fault accidents
- Try to remain claim-free
- Shop your coverage around for the best deal
That last piece of advice is especially valuable, as we discussed in the prior information. Insurance rates in Tucson change a lot, so don’t be afraid to buy a policy from a new company if a better rate can be found. Staying with the same company for years is fine, but is isn’t recommended if that dedication is costing a small fortune year after year. Take a couple minutes and compare prices to find cheaper car insurance for immigrants.