The vehicle you are seeking coverage for is probably the biggest factor that determines whether or not you can buy the best cheap coverage for immigrants. Vehicles with lower performance, a plethora of safety features, or low incidents of liability claims will cost quite a bit less to insure than high performance models.
The information below estimates coverage prices for some of the most affordable automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $987 |
| Toyota Prius | $1,093 |
| Ford Escape Limited 2WD | $1,154 |
| Jeep Grand Cherokee Laredo 2WD | $1,169 |
| Toyota RAV4 Limited 2WD | $1,176 |
| GMC Sierra SL Extended Cab 2WD | $1,169 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,210 |
| Honda Accord LX-P 4-Dr Sedan | $1,212 |
| Honda Odyssey EX-L | $1,230 |
| Toyota Corolla XLE | $1,236 |
| Ford Explorer XLT 4WD | $1,269 |
| Dodge Grand Caravan SE | $1,275 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,276 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,281 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,314 |
| Chevrolet Impala LS | $1,316 |
| Kia Optima SX | $1,337 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,341 |
| Toyota Tacoma Double Cab 4WD | $1,351 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $1,359 |
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in vehicle location which can increase or decrease auto insurance rates considerably.
Based upon the table data, we can expect makes and models like the Honda CR-V, Toyota Prius, Ford Escape, and Jeep Grand Cherokee are going to be a few of the cheaper vehicles to insure for foreigners.
For foreigners, one of the more important criteria that aid in calculating the annual cost of car insurance is the neighborhood you call home in Fresno. Areas with more people or more claims likely pay more, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The information below lists the most expensive areas in California for immigrants in which to purchase auto insurance. Fresno is ranked at #12 with an annual cost of $1,517 on average, which is around $126 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,578 |
| 8 | Stockton | $1,556 |
| 9 | Riverside | $1,542 |
| 10 | Fontana | $1,535 |
| 11 | Santa Clarita | $1,533 |
| 12 | Fresno | $1,517 |
| 13 | Garden Grove | $1,508 |
| 14 | Modesto | $1,502 |
| 15 | Moreno Valley | $1,491 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,395 |
| 19 | Fremont | $1,389 |
| 20 | Huntington Beach | $1,374 |
| 21 | Irvine | $1,371 |
| 22 | Bakersfield | $1,353 |
| 23 | San Diego | $1,340 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Table data uses estimated as specific location information can raise or lower coverage prices considerably.
Finding good, cost effective auto insurance is challenging, and determining which companies offer the most affordable insurance rates for immigrants will require even more rate comparisons. Each insurance company has their own formula to set premium rates, so let’s take a look at the overall cheapest insurance companies in Fresno, CA.
Keep in mind that Fresno, CA insurance rates are determined by lots of factors which can substantially change the cost of having a policy. This price fluctuation is why it is important to shop around with many companies when trying to find cheap auto insurance quotes for immigrants. Insurance prices are calculated by many factors and change dramatically, so the cheapest rate six months ago may now be quite expensive.
Cheapest Insurance Rates for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,533 |
| 9 | Progressive | $1,542 |
| 10 | Allstate | $1,543 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,559 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,590 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| Find Cheaper Rates Go | ||
USAA offers some of the most affordable car insurance rates in Fresno at around $1,143 per year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the most economical Fresno, CA car insurance companies.
As shown in the table above, if you are currently insured with Nationwide and switched to Wawanesa, you could realize an annual savings of in the vicinity of $82. Customers with 21st Century could save as much as $157 a year, and Grange customers might lower prices by up to $252 a year.
Be aware that those rates are averaged across all ages of drivers and types of vehicles and do not factor in an exact location for immigrants. So the auto insurance company that fits you best may not even be in the top 24 companies shown above. That emphasizes why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
How careless driving impacts Fresno insurance rates
One of the best ways to enjoy affordable insurance prices for foreigners is to be a cautious driver and avoid at-fault accidents and violations. The information below illustrates how traffic citations and at-fault fender-benders can drive up auto insurance costs for each different age category. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
The data charted above shows the average cost of car insurance in Fresno per year with no accidents or violations is $2,161. Get one speeding ticket and the average cost increases to $2,450, an increase of $289 each year. Now add in two accidents along with the one speeding ticket and the annual cost of insurance for immigrants jumps again to an average of $4,966. That’s an increase of $2,805, or $234 per month, just for being a careless driver!
The example below shows how choosing a deductible can change premium costs when trying to find cheap insurance for immigrants. The premiums are based on a married male driver, full coverage, and no discounts are applied.
The chart above illustrates that a 30-year-old driver could pocket $408 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $618 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could potentially save up to $1,230 every year just by using higher deductibles. When increasing deductibles, it will be necessary to have enough savings set aside to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
Don’t make the mistake of not shopping around
Fresno insurance rates are impacted by many factors that will increase or decrease the cost of coverage. Improving your credit score, having a teenage driver, or getting a few speeding tickets can produce rate changes that may make certain companies more affordable than competitors. Not only may things change on your end, but car insurance companies file new California car insurance rates as often as every quarter to help ensure profitability. Larger than normal claims may result in a rate increase, while lower claim expenses may produce cheaper Fresno car insurance rates.
As an example, the chart below shows the companies that have the cheapest car insurance in Fresno, CA for a 30-year-old male driver with a good driving record, no prior claims, and a good credit rating. If we estimate rates based on his current risk profile, USAA has the lowest car insurance rates in Fresno at $1,291 per year. This is $360 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remainder of the top five cheapest Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver in the first example some claims, bad credit, and a blemish on his driving record. Due to the fact that every insurance company has their own formula to set premium rates, comparing insurance quotes could result in a different set of the cheapest car insurance companies in Fresno as shown below.
Grange now has the best price in Fresno, CA with Progressive, GEICO, Mercury, and Allied also having competitive pricing. This example demonstrates why it is crucial to perform an extensive rate comparison when trying to find affordable auto insurance rates for immigrants.
Auto insurance prices are influenced by many different factors and can change substantially, so the most economical company three years ago may now be an over-priced policy.