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
|Rank||Company||Cost Per Year|
|6||Pioneer State Mutual||$1,430|
|18||Auto Club Group||$2,464|
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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.
|11||St. Clair Shores||$2,792|
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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.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$2,806|
|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.
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!
The list below details many thrifty ideas that can help drivers quote cheaper coverage.
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.