Wouldn’t this article be short if we could just give you the name of that one perfect company that has the most affordable coverage for immigrants? Unfortunately, it’s just not that easy, as there are a whole slew of unknown aspects like what liability limits you need, the area where you live, and if you are currently insured, that all go into determining the rate you pay. This article goes into detail about these things and also should give you some help in finding cheaper rates.
The car, truck, or SUV that needs insurance is one of the primary factors when comparison shopping for low-priced insurance for immigrants. Vehicles with higher performance characteristics, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.
The next list outlines insurance rates for a number of the more affordable vehicles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,244 |
| Toyota Prius | $1,377 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,392 |
| Ford Escape XLT 4WD | $1,395 |
| Honda CR-V EX 4WD | $1,405 |
| Ford F-150 STX Super Cab 4WD | $1,420 |
| Honda Civic DX 4-Dr Sedan | $1,443 |
| Chevrolet Malibu LS | $1,470 |
| Dodge Grand Caravan Hero | $1,478 |
| Hyundai Elantra SE Touring Station Wagon | $1,483 |
| Ford Fusion SE 4-Dr Sedan | $1,578 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,603 |
| Chevrolet Equinox LT 2WD | $1,611 |
| Compare Rates Now Go | |
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in zip code location which can change premiums greatly.
Looking at the rates, models like the Honda Accord, Toyota Prius, Jeep Wrangler, Ford Escape, and Honda CR-V will definitely be the more affordable vehicles to insure for foreigners.
For foreigners, one of the big criteria that are looked at to determine insurance cost is where your car is garaged in Toledo. Cities with more crime and/or more people tend to have higher rates, whereas more rural areas can boast about having cheaper rates.
The information below sorts the most expensive places in Ohio for immigrants to purchase auto insurance in. Toledo is ranked #1 with an annual premium of $1,279 on average, which is approximately $107 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Toledo | $1,279 |
| 2 | Youngstown | $1,247 |
| 3 | Cleveland | $1,222 |
| 4 | Cincinnati | $1,210 |
| 5 | Columbus | $1,199 |
| 6 | Cleveland Heights | $1,178 |
| 7 | Hamilton | $1,146 |
| 8 | Dayton | $1,142 |
| 9 | Akron | $1,135 |
| 10 | Euclid | $1,129 |
| 11 | Springfield | $1,105 |
| 12 | Canton | $1,091 |
| 13 | Newark | $1,085 |
| 14 | Fairfield | $1,053 |
| 15 | Beavercreek | $1,047 |
| 16 | Strongsville | $1,041 |
| 17 | Parma | $1,037 |
| 18 | Middletown | $1,035 |
| 19 | Lakewood | $1,031 |
| 20 | Cuyahoga Falls | $1,027 |
| 21 | Kettering | $1,020 |
| 22 | Elyria | $995 |
| 23 | Mansfield | $992 |
| 24 | Mentor | $978 |
| 25 | Lorain | $975 |
| Compare Rates Now Go | ||
Table data uses comparative as the specific zip code location can influence premium rates significantly.
Deciphering which companies have the best car insurance rates for immigrants may require a little more effort than just comparing a company or two. Each insurance company uses their own formula to set premium rates, so to begin we’ll rank the car insurance companies that tend to be cheaper in Toledo, OH.
It’s important to know that Ohio car insurance rates are impacted by many things which can substantially change the price you pay. Improving your credit rating, increasing deductibles, or having an accident may generate price changes that can cause some rates to be more affordable than the competition.
Find the Best Cheap Insurance for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $647 |
| 2 | Erie | $661 |
| 3 | Allied | $697 |
| 4 | Frankenmuth | $701 |
| 5 | Travelers | $726 |
| 6 | USAA | $733 |
| 7 | Cincinnati Insurance | $756 |
| 8 | Merchants Insurance Group | $771 |
| 9 | Grange Mutual | $812 |
| 10 | General Casualty | $813 |
| 11 | Motorists Mutual | $824 |
| 12 | Central Mutual | $874 |
| 13 | State Farm | $885 |
| 14 | Hastings Mutual | $893 |
| 15 | Westfield | $908 |
| 16 | Atlantic States | $913 |
| 17 | Auto-Owners | $958 |
| 18 | Western Reserve | $970 |
| 19 | Progressive | $982 |
| 20 | Farmers | $1,025 |
| Find Cheaper Rates Go | ||
Utica National generally has some of the cheapest car insurance rates in Toledo at around $647 each year. This is $393 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also rank well as some of the more affordable Toledo, OH car insurance companies.
As shown above, if you buy coverage from Allied and switched to Utica National, you may realize savings of approximately $50. Customers with Frankenmuth may save as much as $54 a year, and Travelers insureds might lower prices by $79 a year.
It’s important to note that these rates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific vehicle garaging location for immigrants. So the insurer that can offer you the lowest price may not even be in the top 33 companies in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own individual information.
How to get discounts on Toledo auto insurance
Auto insurance companies that sell policies for immigrants may have special discounts that can lower rates by 30% or more if you can meet the requirements. Companies and some of their more popular discounts are shown below.
- The Hartford may have discounts that include anti-theft, air bag, vehicle fuel type, bundle, defensive driver, good student, and driver training.
- American Family has savings for accident-free, air bags, TimeAway discount, multi-vehicle, good student, good driver, and Steer into Savings.
- Progressive offers discounts for online quote discount, good student, continuous coverage, multi-policy, multi-vehicle, homeowner, and online signing.
- Travelers has discounts for multi-car, home ownership, driver training, continuous insurance, good student, and hybrid/electric vehicle.
- Farmers Insurance offers premium reductions for multi-car, distant student, business and professional, pay in full, and homeowner.
- USAA may include discounts for multi-vehicle, multi-policy, good student, family discount, annual mileage, loyalty savings, and driver training.
- Liberty Mutual policyholders can earn discounts including good student, new graduate, hybrid vehicle, newly retired, newly married, exclusive group savings, and multi-policy.
The example below shows the difference between insurance prices with and without discounts applied. The data is based on a female driver, no claims or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with multiple vehicle, marriage, homeowner, safe-driver, accident-free, and anti-theft discounts applied. When discounts are factored in, the average savings per year on car insurance for immigrants is 28% or $465.
Tickets and at-fault accidents raise rates
The obvious way to enjoy the best car insurance rates for foreigners is to drive safely and not get tickets or have accidents. The example below illustrates how violations and at-fault fender-benders can affect premium costs for each age group. Data assumes a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of an auto insurance policy in Toledo per year with a clean driving record and no accidents is $819. Receive one speeding ticket and the average cost jumps to $941, an increase of $122 each year. Now add in one accident along with the one speeding ticket and the yearly cost of car insurance for immigrants increases to an average of $1,279. That’s an increase of $460, or $38 per month, just for not driving carefully!
If you aren’t clear which coverage you need and would like to have the advice of a professional agent when shopping around for cheaper insurance for foreigners, the insurance agencies below can probably provide answers to your questions and help you determine which car insurance company is the best fit. To find an auto insurance agency close to where you live, click the button at the bottom.
Powell Insurance Inc
6029 Renaissance Pl # A – Toledo, OH 43623 – (419) 882-1076
State Farm: Rex Sims
111 N Reynolds Rd – Toledo, OH 43615 – (419) 531-4036
Allstate Insurance: Ahmad Rachidi
1544 S Byrne Rd – Toledo, OH 43614 – (419) 385-4107
Allstate Insurance: Jessica J. Hernandez
1855 S Reynolds Rd B – Toledo, OH 43614 – (419) 536-9000
Kranz PJ Insurance Agency
4349 Talmadge Rd – Toledo, OH 43623 – (419) 473-2416
View more Toledo, OH insurance agents
How to find more affordable insurance for immigrants
The list below details some of the recommended thrifty suggestions that can help drivers quote lower-cost coverage.
- At-fault accidents will increase rates
- Increase the comprehensive and collision deductibles on your policy
- Clean up your credit rating
- Buying car and homeowners insurance together can save money
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Discounts for being claim-free can be substantial
- Compare quotes from other companies often
The final tip is extremely valuable, as we hit on in the article above. Car insurance rates change a lot, so don’t be unwilling to buy a policy from a new company if a lower-cost policy is available.
Sticking with a specific company is fine, but it’s not recommended if that loyalty ends up costing hundreds of dollars a year. Now is a great time to compare prices to find cheaper insurance for immigrants in Toledo.