Comparing rates for reasonably-priced auto insurance is easier said than done, and determining which companies offer the lowest-priced car insurance rates for immigrants requires a bit more work.
Every car insurance company has a proprietary formula for setting prices, so let’s begin by taking a look at the car insurance companies with the overall best prices in Michigan. We do need to point out that Michigan car insurance rates are impacted by many factors that can increase the price you pay. Price variation is why drivers need to perform an extensive rate comparison when trying to find the most affordable insurance rates for immigrants. Car insurance prices are calculated by many different factors and change dramatically, so the best company the last time you checked may now be one of the higher cost companies.
Cheapest Insurance Rates for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $958 |
| 2 | GEICO | $993 |
| 3 | Safeco | $1,037 |
| 4 | MetLife | $1,310 |
| 5 | Chubb | $1,372 |
| 6 | Pioneer State Mutual | $1,430 |
| 7 | MEEMIC | $1,450 |
| 8 | Auto-Owners | $1,636 |
| 9 | Hastings Mutual | $1,643 |
| 10 | Frankenmuth | $1,645 |
| 11 | SECURA | $1,796 |
| 12 | Progressive | $1,923 |
| 13 | Wolverine Mutual | $2,147 |
| 14 | Hanover | $2,305 |
| 15 | Allied | $2,309 |
| 16 | Grange Mutual | $2,322 |
| 17 | Allmerica | $2,386 |
| 18 | Auto Club Group | $2,416 |
| 19 | Nationwide | $2,516 |
| 20 | Farm Bureau | $2,678 |
| Quote Your Rates Go | ||
USAA generally has some of the best car insurance rates in Detroit at around $958 a year. This is $1,435 less than the average premium paid by Michigan drivers of $2,393. GEICO, Safeco, MetLife, and Chubb would also be considered some of the cheapest Detroit, MI car insurance companies.
In the above example, if you currently have coverage with MetLife and switched to USAA, you could see a yearly savings of approximately $352. Drivers with Chubb might save as much as $414 a year, and Pioneer State Mutual policyholders might lower prices by $472 a year.
Remember that these premiums are averages for all types of insureds and vehicles and do not take into consideration a vehicle location for immigrants. So the insurer that has the cheapest rates for you may not even be in the top 30 companies in the list above. That underscores the importance of why you need to get quotes using your own individual information.
One of the many things that are used to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Detroit. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The table below ranks the most expensive places in Michigan for immigrants to purchase car insurance in. Detroit comes in at #1 with an annual cost of $4,862 for the average insured, which is approximately $405 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Detroit | $4,862 |
| 2 | Dearborn | $4,082 |
| 3 | Southfield | $3,980 |
| 4 | Pontiac | $3,531 |
| 5 | Warren | $3,423 |
| 6 | Flint | $3,371 |
| 7 | Dearborn Heights | $3,239 |
| 8 | Taylor | $3,116 |
| 9 | Sterling Heights | $3,014 |
| 10 | Westland | $2,908 |
| 11 | St. Clair Shores | $2,819 |
| 12 | Farmington Hills | $2,786 |
| 13 | Livonia | $2,634 |
| 14 | Troy | $2,536 |
| 15 | Rochester Hills | $2,492 |
| 16 | Royal Oak | $2,487 |
| 17 | Saginaw | $2,481 |
| 18 | Novi | $2,439 |
| 19 | Lansing | $2,391 |
| 20 | Battle Creek | $2,354 |
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Price information shown is estimated as the specific zip code location can impact prices substantially.
The make and model of vehicle to be insured is probably the most important factor when trying to find the best insurance for immigrants. Vehicles with reasonable performance levels, advanced safety features, or a track record of few liability claims will cost substantially less to insure than adrenaline junky models. The list below presents coverage costs for some of the most affordable vehicles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $4,780 |
| Ford Edge SE 2WD | $4,794 |
| Toyota Prius | $4,836 |
| Honda CR-V EX-L 2WD | $4,893 |
| Toyota RAV4 2WD | $5,170 |
| Hyundai Elantra SE Touring Station Wagon | $5,203 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $5,326 |
| Honda Odyssey LX | $5,425 |
| Toyota Corolla LE | $5,448 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $5,542 |
| Jeep Grand Cherokee Limited 2WD | $5,547 |
| Chevrolet Impala LS | $5,547 |
| Dodge Grand Caravan SE | $5,552 |
| Volkswagen Jetta LE 4-Dr Sedan | $5,660 |
| Chevrolet Equinox LT 2WD | $5,667 |
| Compare Rates Now Go | |
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in vehicle location which can increase or decrease premium rates significantly.
By looking at the data, you can infer that vehicles like the Ford Escape, Ford Edge, and Toyota Prius should be a few of the more affordable vehicles to insure for foreigners.
How accidents and violations affect rates
The best way to maintain the best car insurance prices for foreigners is to be a careful driver and have a clean driving record. The information below highlights how traffic violations and accident claims can raise insurance rates for different insured age categories. The rate quotes are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
In the previous chart, the average cost of auto insurance per year with no accidents or violations is $3,728. Receive one speeding ticket and the average cost swells to $4,226, an increase of $498 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for immigrants increases to an average of $8,414. That’s an increase of $4,686, or $391 per month, just for not keeping your driving record clean!
Get discounts on Detroit car insurance
Auto insurance companies that provide policies for immigrants may have discounts that can reduce rates by as much as 35% if you are eligible for them. Larger car insurance companies and the discounts they provide are detailed below.
- State Farm may include discounts for good driver, accident-free, Steer Clear safe driver discount, passive restraint, anti-theft, and defensive driving training.
- American Family includes discounts for early bird, good driver, good student, accident-free, TimeAway discount, and air bags.
- GEICO has discounts for emergency military deployment, five-year accident-free, air bags, defensive driver, multi-vehicle, membership and employees, and good student.
- 21st Century has savings for student driver, 55 and older, air bags, theft prevention, defensive driver, homeowners, and automatic seat belts.
- Progressive offers discounts including online signing, good student, multi-policy, online quote discount, and continuous coverage.
The example below visualizes the comparison of insurance prices with and without discounts applied to the premium. The premiums assume a female driver, no driving violations, no at-fault accidents, Michigan state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with marriage, claim-free, anti-theft, multiple vehicle, passive restraint, and multiple policy discounts applied. When drivers qualify for the discounts, theaverage amount saved on car insurance for immigrants is 28% or $859.
Finding a good quality auto insurance provider can be a challenge considering how many choices drivers have in Detroit. The ranking information below could help you decide which auto insurers to look at comparing price quotes from. The rankings below are only comprised of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Michigan are not taken into consideration for this list.
Top 10 Large Auto Insurers in Detroit Ranked by Claims Service
- Progressive
- USAA
- Liberty Mutual
- State Farm
- GEICO
- Nationwide
- Allstate
- The Hartford
- 21st Century
- Farmers Insurance
Top 10 Large Auto Insurers in Detroit Ranked by Customer Satisfaction
- The Hartford – 93%
- Progressive – 90%
- 21st Century – 89%
- USAA – 87%
- State Farm – 87%
- Safeco Insurance – 86%
- AAA Insurance – 86%
- Farmers Insurance – 85%
- GEICO – 85%
- American Family – 85%
How to find more affordable insurance for immigrants
The list below summarizes some of the recommended money-saving suggestions that can help drivers buy cheaper coverage.
- Clean up your credit rating
- Avoid accidents
- Higher physical damage deductibles lower rates
- Buying home and auto insurance together can earn discounts
- Pay for smaller claims out-of-pocket
- Violations like speeding or DUI increase rates
- Compare prices frequently to find the best deal
The last suggestion is extremely significant, as was stressed in the prior information. Car insurance prices in Detroit can be changed at any time, so drivers shouldn’t hesitate to switch carriers if you find a better deal.
Many drivers prefer to stick with one company, but is isn’t recommended if that dedication is costing money that could be going to better use. Now is a great time to compare rates to find cheaper insurance for immigrants.