The vehicle model that is being insured is probably the largest consideration when comparison shopping for affordable auto insurance for immigrants. Vehicles with economical engines, excellent safety ratings, or a low likelihood of liability claims will cost substantially less to insure than high performance models. The data below outlines insurance premiums for some of the most cost-effective vehicles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $1,019 |
| Ford F-150 XLT Regular Cab 2WD | $1,079 |
| Honda Odyssey LX | $1,086 |
| Ford Explorer Eddie Bauer 2WD | $1,102 |
| GMC Sierra SL Extended Cab 2WD | $1,162 |
| Honda CR-V LX 4WD | $1,207 |
| Ford Escape Limited 4WD | $1,219 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,246 |
| Nissan Rogue S 2WD | $1,256 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,246 |
| Ford Edge SE AWD | $1,304 |
| Chevrolet Impala LS | $1,309 |
| Toyota Tacoma 2WD | $1,304 |
| Ford Focus SES 2-Dr Coupe | $1,306 |
| Chevrolet Equinox LT AWD | $1,329 |
| Toyota Camry Hybrid | $1,335 |
| Kia Optima SX | $1,329 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price information does not factor in Raleigh, NC location which can change premium rates greatly.
Based upon the table data, you can see that models like the Jeep Wrangler, Ford F-150, and Honda Odyssey will definitely be some of the most budget-friendly vehicles to insure for foreigners.
Finding low-priced auto insurance is not always easy, and deciding which company quotes the best car insurance rates for immigrants takes more quotes for comparison. Every insurance provider has their own unique process to determine rates, so to begin we’ll rank the most affordable car insurance companies in Raleigh, NC.
It’s a good idea to know that North Carolina car insurance rates are impacted by many things that control your annual premium. Things like getting older, having a claim, or getting a DUI can trigger changes in premium that can cause some rates to be cheaper than competitors.
Cheap Insurance Rates for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Progressive | $632 |
| 2 | Utica National | $655 |
| 3 | Liberty Mutual | $707 |
| 4 | GEICO | $728 |
| 5 | NC Farm Bureau | $737 |
| 6 | Penn National | $747 |
| 7 | Titan | $759 |
| 8 | State Farm | $772 |
| 9 | Auto-Owners | $852 |
| 10 | National General | $881 |
| 11 | Travelers | $909 |
| 12 | Allied | $928 |
| 13 | Erie | $931 |
| 14 | Peerless | $972 |
| 15 | Unitrin | $1,012 |
| 16 | Nationwide | $1,031 |
| 17 | MetLife | $1,038 |
| 18 | Encompass | $1,063 |
| 19 | Safeco | $1,076 |
| 20 | Allstate | $1,097 |
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Progressive offers some of the cheapest car insurance rates in Raleigh at around $632 a year. Utica National, Liberty Mutual, GEICO, and NC Farm Bureau also are some of the cheapest Raleigh, NC auto insurance companies.
In this example, if you are a policyholder with GEICO and switched to Utica National, you might see a yearly price reduction of in the vicinity of $73. Policyholders with NC Farm Bureau may save as much as $82 a year, and Penn National customers might realize rate reductions of up to $92 a year.
It’s important to note that these rates are averages for all drivers and vehicles and and are not figured with a specific vehicle garaging location for immigrants. So the insurer that fits you best may not even be in the top 20 companies in the list above. That is why you need to get rate quotes using your own specific driver information and vehicle.
For foreigners, one of the big factors that help determine insurance cost is where you call home in Raleigh. More densely populated places tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The information below shows the most expensive cities in North Carolina for immigrants to buy an auto insurance policy in. Raleigh is ranked #6 with a yearly premium of $767 for the average policyholder, which is approximately $64 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Fayetteville | $932 |
| 2 | Jacksonville | $900 |
| 3 | Charlotte | $816 |
| 4 | Gastonia | $811 |
| 5 | Durham | $797 |
| 6 | Raleigh | $767 |
| 7 | Goldsboro | $765 |
| 8 | Cary | $765 |
| 9 | Greensboro | $763 |
| 10 | Wilmington | $758 |
| 11 | Huntersville | $756 |
| 12 | Rocky Mount | $748 |
| 13 | Indian Trail | $745 |
| 14 | High Point | $745 |
| 15 | Apex | $739 |
| 16 | Greenville | $738 |
| 17 | Wilson | $732 |
| 18 | Hickory | $711 |
| 19 | Chapel Hill | $703 |
| 20 | Concord | $697 |
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Premium costs are estimated as vehicle location can impact premium rates significantly.
How to get discounts on Raleigh insurance rates
Auto insurance companies that offer coverage for immigrants may provide premium discounts that may potentially lower prices by 35% or more if you meet eligibility requirements. A list of companies and a summarized list of policyholder discounts are outlined below.
- GEICO has discounts for emergency military deployment, multi-policy, good student, daytime running lights, five-year accident-free, and membership and employees.
- Mercury Insurance offers discounts including good student, low natural disaster claims, good driver, age of vehicle, accident-free, multi-car, and anti-theft.
- Farmers Insurance may offer discounts for youthful driver, good student, business and professional, teen driver, and mature driver.
- Auto-Owners Insurance may have discounts that include safe vehicle, teen driver, good student, anti-theft, and air bags.
- Liberty Mutual discounts include new vehicle discount, new graduate, newly married, multi-car, and good student.
- SAFECO offers premium reductions for homeowner, safe driver, anti-lock brakes, teen safety rewards, and bundle discounts.
- Progressive may include discounts for homeowner, multi-policy, multi-vehicle, continuous coverage, and good student.
- USAA has savings for good student, multi-policy, military installation, defensive driver, multi-vehicle, and annual mileage.
The chart below shows the difference between car insurance costs with and without discounts applied to the premium. The information is based on a male driver, no tickets, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, defensive driving course, marriage, claim-free, homeowner, and multiple policy discounts applied. With discounts applied, theaverage yearly reduction on car insurance for immigrants is 28% or $290.
The chart below shows how choosing a deductible can impact insurance premiums when quoting cheap insurance for immigrants. The premiums assume a single male driver, full physical damage coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could lower rates by $278 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $416 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, could drop their prices as much as $924 or more by using higher deductibles when buying full coverage.
When using a larger deductible, it will be necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Why you are probably overpaying for car insurance
North Carolina car insurance rates are impacted by many things which can substantially change your annual premium. Getting older, filing a claim, or having an at-fault accident may prompt premium changes that can make some companies cheaper in comparison to the competition.
In addition to those changes, car insurance companies amend pricing multiple times each year in order to remain profitable. Significantly higher claims can result in additional price hikes, while a better claims history may cause more affordable Raleigh car insurance rates.
As an example, the data below shows the companies that have the cheapest car insurance in Raleigh, NC for a 30-year-old female driver with no prior accidents, a clean driving record, and a decent credit rating. If we look at prices based on her current risk factors, Utica National has the cheapest car insurance rates in Raleigh at $715 annually. This is $157 less than the average rate paid by North Carolina drivers of $872. Progressive, Penn National, Liberty Mutual, and GEICO are the remainder of the top five cheapest Raleigh, NC auto insurance companies.
In this example, we will give the driver from above a claim or two, poor credit, and a blemish on her driving record. Since each company has their own unique process to establish rates, comparing prices may now result in a slightly different list of affordable Raleigh car insurance companies as shown below.
Titan now has the cheapest car insurance in Raleigh with State Farm, Progressive, Auto-Owners, and Erie now being in the top five. This example demonstrates why it is important to do a thorough rate comparison when trying to find cheap auto insurance rates for immigrants. Rates are impacted by many risk factors and change dramatically, so the lowest-price company when you last compared rates may now be one of the higher cost companies.