Comparing rates for low-cost auto insurance is not the easiest thing to do, and deciding which companies quote the lowest-priced car insurance rates for immigrants involves a little more work. Each auto insurance company uses a little different formula to set policy rates, so we’ll take a look at the car insurance companies with the most affordable rates in California.
We do need to point out that California car insurance rates are impacted by many factors which can substantially decrease or increase the price you have to pay. This price fluctuation is why drivers need to perform a complete rate comparison when trying to find the most affordable insurance quotes for immigrants. Auto insurance prices are determined by many risk factors and change frequently, so the most economical company three years ago may now be costing you a lot of money.
Find Cheaper Car Insurance for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,192 |
| 4 | Nationwide | $1,213 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,491 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,529 |
| 11 | Allstate | $1,543 |
| 12 | Allied | $1,556 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,654 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,966 |
| Quote Your Rates Go | ||
USAA may have some of the lowest car insurance rates in Oakland at around $1,143 each year. This is $508 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also rank well as some of the most economical Oakland, CA auto insurance companies.
As depicted above, if you have coverage with Nationwide and switched to USAA, you could earn savings of approximately $70. Drivers with CSAA could save as much as $79 a year, and 21st Century insureds might lower prices by $195 a year.
It’s important to note that these estimates are averages across all types of insureds and vehicles and do not factor in an exact vehicle garaging location for immigrants. So the auto insurance company that fits your needs best may not even be in the list above. That illustrates why you need to get auto insurance quotes using your own driver information and specific vehicle type.
The make and model of vehicle requiring coverage is one of the largest considerations that determines whether or not you find the best car insurance for immigrants. Vehicles with high performance features, a lack of safety features, or high incidents of liability claims will cost much more to insure than more modest models.
The next table features car insurance costs for the most affordable vehicles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,459 |
| Ford Escape XLT 4WD | $1,596 |
| Ford F-150 XLT Regular Cab 4WD | $1,602 |
| Ford Edge SE AWD | $1,655 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,698 |
| Ford Explorer Limited AWD | $1,720 |
| Toyota Prius | $1,736 |
| Hyundai Elantra SE 4-Dr Sedan | $1,779 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,785 |
| Honda Odyssey EX-L | $1,779 |
| Toyota Corolla LE | $1,785 |
| Nissan Rogue SL 2WD | $1,809 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,815 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,812 |
| Dodge Grand Caravan CV | $1,818 |
| Start Your Quote Go | |
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific zip code location which can affect insurance rates substantially.
Looking at the data, we can assume that vehicles like the Honda CR-V, Ford Escape, and Ford F-150 will definitely be some of the cheaper vehicles to insure for foreigners.
The example below illustrates how your deductible choice can increase or decrease insurance costs when getting quotes for cheap insurance for immigrants. Data assumes a married female driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could reduce rates by $300 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could lower their rates up to $750 or more just by choosing higher deductibles.
If you make the decision to raise deductibles, it is essential to have plenty of savings on hand to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Safe drivers pay less for car insurance
In a perfect world, the ideal way to obtain low car insurance prices in Oakland for foreigners is to drive attentively and not receive tickets or have accidents. The information below demonstrates how speeding tickets and fender-benders can raise car insurance costs for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the previous example, the average cost of auto insurance in California per year with no accidents and a clean driving record is $2,404. Add in two speeding tickets and the average cost surges to $3,337, an increase of $933 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of car insurance for immigrants jumps again to an average of $6,493. That’s an increase of $4,089, or $341 per month, just for not driving carefully!
The Oakland car insurance agencies listed below are willing to provide answers to your questions and help you determine which coverage meets your needs best, since lots of drivers aren’t clear which coverage they need and would like to have a consultation when comparing insurance rates for immigrants. It can be difficult to find the best policy on your own, so a professional agent can give you comfort knowing you have enough coverage if you have a claim.
To find an auto insurance agency nearest to you, click the button below the list or click here to compare rates now.
Susan Bernosky – Strahan Ins Services Inc
5940 College Ave a – Oakland, CA 94618 – (510) 450-9051
Western-Southern Life Insurance Co
80 Swan Way # 102 – Oakland, CA 94621 – (510) 877-4119
Cook Disharoon and Greathouse Insurance Brokers
1942 Embarcadero – Oakland, CA 94606 – (510) 437-1900
View more Oakland, CA insurance agencies
Ideas for finding more affordable insurance for immigrants
Lowering your rates is not difficult, and here are some money-saving ideas that can help California drivers get more affordable coverage.
- Discounts for being claim-free can be substantial
- At-fault accidents will increase rates
- Assess whether full coverage is needed
- Do not get traffic citations
- Home or renters coverage can save on auto insurance
- Vehicles with good safety ratings are usually cheaper to insure
- Compare price quotes at least once a year
The last suggestion is particularly necessary, as we emphasized in the prior information. Auto insurance prices can change considerably based on profitability, so don’t hesitate to switch carriers if you can find a cheaper rate.
Sticking with a specific company is fine, but it’s not recommended if that loyalty ends up costing a lot of money. Spend a few minutes and shop around to find cheaper insurance for immigrants in Oakland.