The type of vehicle on the policy is a large factor in finding affordable auto insurance for immigrants. Vehicles with high performance engines, poor safety ratings, or a history of substantial liability claims will cost much more to insure than more modest models. The information below outlines insurance costs for a number of the most cost-effective vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,424 |
| Honda CR-V EX 4WD | $1,509 |
| Ford Edge SE 2WD | $1,560 |
| Toyota Tacoma 4WD | $1,591 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,622 |
| Toyota Prius | $1,627 |
| Chevrolet Impala LS | $1,653 |
| Honda Odyssey EX W/Rear Entertainment | $1,661 |
| Ford Explorer XLT 4WD | $1,655 |
| Volkswagen Jetta 2.0T Station Wagon | $1,673 |
| Ford F-150 Lariat King Ranch 4WD | $1,681 |
| Honda Accord EX 2-Dr Coupe | $1,730 |
| Jeep Grand Cherokee Laredo 2WD | $1,735 |
| Chevrolet Malibu LS | $1,741 |
| Toyota RAV4 Sport 4WD | $1,735 |
| Chevrolet Equinox LS AWD | $1,741 |
| Ford Focus SEL 4-Dr Sedan | $1,745 |
| Start a Quote Go | |
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium costs do not factor in specific Dallas, TX garaging location which can change coverage prices greatly.
Looking at the rates, we can presume that makes and models like the Ford Escape, Honda CR-V, and Ford Edge are some of the most budget-friendly vehicles to insure for foreigners.
Finding low-cost insurance is not most people’s favorite thing to do, and deciding which company offers the most affordable insurance rates for immigrants may require a bit more work.
Each insurer has their own formula to set premium rates, so let’s rank the lowest cost insurance companies in Dallas. It’s important that you understand Dallas insurance rates are impacted by many things which can significantly increase or decrease the policy price. Things like having a birthday, becoming a homeowner, or getting a speeding ticket can trigger rate changes that can make some companies more expensive than before.
Best Cheap Insurance Rates for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,128 |
| 3 | Texas Farm Bureau | $1,247 |
| 4 | Germania Mutual | $1,282 |
| 5 | Esurance | $1,407 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,506 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,565 |
| 10 | Nationwide | $1,600 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,775 |
| 14 | GEICO | $2,093 |
| 15 | Home State | $2,134 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,672 |
| Quote Your Rates Go | ||
Travelers offers some of the most affordable car insurance rates in Dallas at around $1,052 annually. This is $852 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the cheaper Dallas, TX car insurance companies.
As depicted above, if you currently have a policy with USAA and switched to Travelers, you might achieve annual savings of about $76. Drivers with Texas Farm Bureau may save as much as $195 a year, and Germania Mutual customers might reduce prices by as much as $230 a year.
To find the cheapest rates for your vehicle, click here to get a free quote or visit several of the following companies.
Be aware that those estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a vehicle location for immigrants. So the insurer that is most affordable for your situation may not even be in the top 23 companies shown above. That emphasizes why you need to get rate quotes using your own individual information.
Price comparison of only insuring for liability
Saving money when shopping for insurance is probably important to most vehicle owners, and one of the fastest ways to pay less for insurance for immigrants is to buy only liability coverage. The information below shows the comparison of insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The price estimates are based on a clean driving record, no claims, $100 deductibles, single status, and no discounts are taken into consideration.
Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an extra $2,922 per year over and above liability coverage. That is a large expense which might make you wonder if buying full coverage is a waste of money. There isn’t a written rule of when to eliminate physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
There are some cases where only buying liability is not in your best interest. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Get discount Dallas insurance
Insurance providers that provide policies for immigrants may also provide discounts that can lower rates by as much as 35% if you qualify. Companies and their possible discounts are outlined below.
- GEICO may offer discounts for five-year accident-free, anti-lock brakes, multi-vehicle, defensive driver, federal employee, and anti-theft.
- USAA has discounts for defensive driver, new vehicle, annual mileage, safe driver, vehicle storage, multi-policy, and family discount.
- Progressive may include discounts for good student, online signing, continuous coverage, multi-vehicle, and homeowner.
- American Family offers discounts including defensive driver, accident-free, bundled insurance, air bags, early bird, and good driver.
- Esurance includes discounts for good student, online quote, defensive driver, homeowner, multi-car, and online shopper.
- Farmers Insurance has savings for electronic funds transfer, mature driver, distant student, teen driver, good student, and business and professional.
- State Farm may have discounts that include good driver, Drive Safe & Save, multiple policy, student away at school, safe vehicle, multiple autos, and anti-theft.
The illustration below visualizes the comparison of premium costs with and without discounts applied to the rates. The premiums are based on a male driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, defensive driving course, vehicle safety, passive restraint, accident-free, and multiple policy discounts applied. When discounts are factored in, the average amount saved on insurance for immigrants is 28% or $445.
How to find cheaper car insurance for immigrants
Here are a few penny-pinching suggestions that can help drivers find cheaper coverage.
- Raise your physical damage coverage deductibles
- Buy your homeowners policy from the same company as your auto insurance
- Do not get traffic violations
- Good credit scores may lower your rates
- At-fault accidents will increase rates
- Claim-free policyholders usually earn a discount
- Compare prices frequently to find the best deal
The last suggestion is highly crucial, as was affirmed in this piece. Rates can be modified anytime, so drivers shouldn’t hesitate to buy from a different company if you can save money. Having brand loyalty is commendable, but it’s not a good idea if that loyalty ends up costing a lot of money every month. In just a few minutes you could compare prices to find cheaper auto insurance for immigrants in Dallas.
The insurance agencies below can help you determine which coverages are best, as some drivers aren’t sure which coverage they need and prefer to have some advice when shopping for the best coverage for immigrants. It can be challenging to find the cheapest rates, and using a licensed agent can provide satisfaction knowing your policy gives you sufficient coverage for your assets. To find an auto insurance agency using an interactive map, click the button following the list or click here to compare prices now.
- Insurance One
14180 Dallas Pkwy #900 – Dallas, TX 75254 – (972) 267-8000 - Jon Essary – State Farm Insurance Agent
1214 W Davis St – Dallas, TX 75208 – (214) 948-6000 - Laurence Cole Insurance Agency
6500 Greenville Ave #680 – Dallas, TX 75206 – (214) 823-2653