The car, truck, or SUV you are buying coverage for is a large factor when comparison shopping for affordable insurance for immigrants. Vehicles with reasonable performance levels, good safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The information below ranks car insurance prices for a number of the most economical vehicles to insure in Arizona.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,519 |
| Honda CR-V EX-L 4WD | $1,535 |
| Honda Accord LX-P 4-Dr Sedan | $1,543 |
| Ford Escape XLT 4WD | $1,585 |
| Toyota RAV4 4WD | $1,622 |
| Dodge Grand Caravan SE | $1,680 |
| Honda Civic VP 4-Dr Sedan | $1,687 |
| Ford F-150 STX Regular Cab 2WD | $1,699 |
| Toyota Camry SE | $1,709 |
| Toyota Corolla LE | $1,715 |
| Nissan Rogue S AWD | $1,735 |
| Chevrolet Malibu LTZ | $1,741 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,751 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,741 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,751 |
| Honda Odyssey EX W/Rear Entertainment | $1,743 |
| Toyota Tacoma Double Cab 4WD | $1,812 |
| Ford Explorer Limited 4WD | $1,867 |
| Chevrolet Impala LTZ | $1,875 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,880 |
| Ford Edge Sport AWD | $1,912 |
| GMC Sierra SLE Regular Cab 4WD | $1,952 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,957 |
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Above prices assume 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, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate information does not factor in Mesa, AZ location which can modify price quotes noticeably.
Based upon the rates shown, we can tell that models like the Toyota Prius, Honda CR-V, Honda Accord, and Ford Escape will definitely be a few of the most affordable vehicles to insure for foreigners.
Comparing quotes for cheap auto insurance is easier said than done, and deciding which company has the cheapest insurance rates for immigrants involves more quotes for comparison. Each company has their own unique process to establish rates, so we’ll take a look at the most affordable insurance companies in Mesa.
Best Auto Insurance Prices for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,164 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,184 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,463 |
| 17 | Titan | $1,476 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,567 |
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The Hartford generally has some of the best car insurance rates in Mesa at around $836 a year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the cheapest Mesa, AZ insurance companies.
As depicted above, if you are currently insured with Travelers and switched to Auto-Owners, you could earn annual savings of in the neighborhood of $198. Arizona drivers with USAA might save as much as $236 a year, and Progressive policyholders might cut rates by $276 a year.
Be aware that those premium estimates are averages across all drivers and vehicles and and are not calculated with a specific zip code for immigrants. So the auto insurance company that is best for you may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.
For foreigners, one of the largest criteria that help determine auto insurance rates is where you live in Mesa. More densely populated places tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from having to pay less for coverage.
The next table rates the most expensive places in Arizona for immigrants to purchase a policy in. Mesa comes in at #11 with the annual price of $1,125 for the average policy, which is around $94 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,186 |
| 4 | Scottsdale | $1,163 |
| 5 | Buckeye | $1,156 |
| 6 | Tempe | $1,152 |
| 7 | San Tan Valley | $1,150 |
| 8 | Peoria | $1,137 |
| 9 | Goodyear | $1,131 |
| 10 | Chandler | $1,126 |
| 11 | Mesa | $1,125 |
| 12 | Gilbert | $1,120 |
| 13 | Maricopa | $1,107 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Tucson | $1,072 |
| 16 | Oro Valley | $1,062 |
| 17 | Casa Grande | $1,057 |
| 18 | Casas Adobes | $1,050 |
| 19 | Surprise | $1,048 |
| 20 | Yuma | $992 |
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Rates are approximated as the specific garaging location can impact rates substantially.
The chart below demonstrates how deductibles can change insurance costs when getting quotes for cheap insurance for immigrants. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
As shown above, a 30-year-old driver could lower their policy premium by $236 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $358 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old, could possibly save up to $508 or more just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it will be required to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense associated with higher deductibles.
Rate difference between full and liability-only coverage
Finding the cheapest insurance is the goal of the majority of vehicle owners, and one way to find cheap insurance for immigrants is to buy liability only. The chart below shows the difference between premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, physical damage coverage costs $2,305 per year more than just insuring for liability. Many people question when is the right time to remove full coverage. There is no clear-cut rule to exclude full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
How to find budget-friendly auto insurance for immigrants
The list below summarizes some penny-pinching suggestions that can help you quote low-cost coverage.
- Do not insure for full coverage
- Maintain a safe distance and avoid accidents
- Buy a car with high safety ratings
- Buying home and auto together can help save money
- Better credit scores save money
- Keep rates low by shopping around frequently
The final tip is extraordinarily necessary, as we stressed in this write-up. Prices charged by auto insurers in Mesa change a lot, so don’t be hesitant to buy a policy from a new company if a more affordable price is available. Being loyal to a particular company is commendable, but we do not recommend it if that faithfulness ends up costing you lots of hard earned cash every month. It takes less than five minutes to compare rates and find cheaper auto insurance for immigrants.
The agents below can aid you in deciding which insurance coverage you need, since some drivers aren’t sure which coverage they need and prefer to have a professional recommendation when shopping for the best coverage for immigrants. It can be time-consuming to find the cheapest rate yourself, so using a licensed agent can add satisfaction knowing you have adequate coverage when you need it most.
To locate an agency by location nearest to you, click the link after the list.
- Jenn Attar – State Farm Insurance Agent
1660 S Alma School Rd #218 – Mesa, AZ 85210 – (480) 345-4206 - American Family Insurance – Mike Stapley
4850 E Baseline Rd Ste 101 – Mesa, AZ 85206 – (480) 503-4400 - Gilbert Insurance Group
350 N Gilbert Rd #202 – Gilbert, AZ 85234 – (480) 926-9030 - Vandy Ford – State Farm Insurance Agent
6938 E Parkway Norte #2 – Mesa, AZ 85212 – (480) 497-3933