Who Has the Cheapest Car Insurance Quotes for Immigrants in Michigan?

Who Has the Cheapest Car Insurance Quotes for Immigrants in Michigan?

Wouldn’t it be nice if we could look into our crystal ball and tell you the single best company that has the best insurance prices for immigrants? It’s not quite that easy, unfortunately, as there are a ton of unknown aspects such as the safety features of your vehicle, if you are a man or woman, where you choose to live in Michigan, and whether you are single or married. We are going to cover the best ways to shop for cheaper coverage and also should give you a good start in finding the cheapest car insurance in Michigan.

Finding cost effective car insurance is not the easiest thing to do, and determining which company quotes the lowest-priced auto insurance rates for immigrants calls for even more rate comparisons. Each auto insurer uses their own calculation for determining rates, so we need to take a look at the auto insurance companies with the most affordable rates in Michigan.

Best Auto Insurance Prices for Migrants

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Cheapest auto insurance in Michigan ranked by cost per year
Rank Company Cost Per Year
1 USAA $958
2 GEICO $993
3 Safeco $1,079
4 MetLife $1,350
5 Chubb $1,428
6 Pioneer State Mutual $1,430
7 MEEMIC $1,436
8 Hastings Mutual $1,643
9 Frankenmuth $1,645
10 Auto-Owners $1,702
11 SECURA $1,832
12 Progressive $1,866
13 Wolverine Mutual $2,212
14 Allied $2,240
15 Hanover $2,305
16 Grange Mutual $2,345
17 Allmerica $2,362
18 Auto Club Group $2,464
19 Nationwide $2,541
20 Farm Bureau $2,678
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USAA may offer some of the cheapest car insurance rates in Michigan at around $958 each year. GEICO, Safeco, MetLife, and Chubb also qualify as some of the best Michigan insurance companies.

As illustrated above, if you currently buy coverage from Chubb and switched to GEICO, you might realize an annual savings of roughly $435. Customers with Pioneer State Mutual may save as much as $437 a year, and MEEMIC policyholders might lower prices by $443 a year.

Understand that those premiums are averages for all insureds and vehicles and do not take into consideration a rate decrease for immigrants. So the insurer that can offer you the best price may not even be shown in the company chart above. That underscores the importance of why you need to get quotes using your own individual information.

One of the many factors used to determine the price you pay for insurance is where you live. Areas with high crime rates or more dense population like Detroit, Southfield, and Warren tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The next table shows the highest-priced areas in Michigan for immigrants to buy an auto insurance policy in.

Most expensive Michigan cities for auto insurance
Rank City Annual Premium
1 Detroit $4,813
2 Dearborn $4,123
3 Southfield $3,902
4 Pontiac $3,567
5 Warren $3,423
6 Flint $3,371
7 Dearborn Heights $3,239
8 Taylor $3,210
9 Sterling Heights $2,954
10 Westland $2,850
11 St. Clair Shores $2,792
12 Farmington Hills $2,704
13 Livonia $2,634
14 Royal Oak $2,562
15 Rochester Hills $2,542
16 Troy $2,536
17 Saginaw $2,481
18 Novi $2,439
19 Battle Creek $2,426
20 Lansing $2,391
21 Kalamazoo $2,282
22 Grand Rapids $2,208
23 Kentwood $2,206
24 Wyoming $2,195
25 Ann Arbor $2,086
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Rate quotes are approximated as zip code location can increase or decrease coverage rates greatly.

The car, truck, or SUV driven is one of the largest factors when comparing the most affordable car insurance for immigrants. Vehicles with higher performance characteristics, poor crash test ratings, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models.

The information below ranks car insurance prices for a handful of the more afforable vehicles to insure in Michigan.

Cheapest Auto Insurance Rates for Immigrants in Michigan
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $2,806
Toyota Prius $3,111
Honda CR-V LX 4WD $3,198
Honda Odyssey EX W/Rear Entertainment $3,252
Hyundai Tucson Limited 2WD $3,318
Chevrolet Traverse LS AWD $3,330
Subaru Outback 3.6R Premium $3,384
Dodge Ram Quad Cab ST 2WD $3,391
Ford Escape Limited 4WD $3,487
Hyundai Elantra SE Touring Station Wagon $3,495
Subaru Forester X Premium AWP AWD $3,533
Nissan Altima Hybrid 4-Dr Sedan $3,558
Chevrolet Silverado LT Extended Cab 2WD $3,566
GMC Sierra SLE Regular Cab 4WD $3,558
Nissan Rogue S 2WD $3,564
Kia Optima LX $3,558
Toyota Tacoma 4WD $3,566
Ford F-150 XLT Super Cab 2WD $3,572
Dodge Grand Caravan CV $3,578
Toyota Highlander Limited 4WD $3,628
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in specific Michigan garaging location which can raise or lower price quotes considerably.

Looking at the numbers, we can tell that cars like the Honda Accord, Toyota Prius, and Honda CR-V are the most economical vehicles to insure for foreigners.

How accidents and tickets impact rates

The recommended way to score cheap auto insurance prices for foreigners is to drive attentively and have a clean driving record. The diagram below demonstrates how citations and accident claims can drive up insurance rates for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of car insurance in Michigan per year with a clean driving record and no accidents is $2,751. Receive one speeding ticket and the average cost jumps to $3,166, an increase of $415 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for immigrants goes up to an average of $6,890. That’s an increase of $4,139, or $345 per month, just for being a careless driver!

How to find budget-friendly auto insurance for immigrants

The list below details many thrifty ideas that can help drivers quote cheaper coverage.

  • Do not insure for full coverage
  • Speeding tickets and other violations increase rates
  • Drivers with good credit often pay less
  • Raise deductibles to save money
  • Lower rates by purchasing a safer vehicle
  • Having at-fault accidents will increase rates
  • Compare rates once a year for cheaper prices

The last idea is especially vital, as we emphasized in the prior information. Insurance rates in Michigan can change considerably based on profitability, so don’t be unwilling to change insurance companies if a more affordable rate is found.

Many consumers stick with the same company and that’s fine, but is isn’t recommended if that faithfulness ends up costing you a lot of money. It takes less than five minutes to compare prices to find cheaper insurance for immigrants.