Cheapest Auto Insurance Quotes for Immigrants in Minnesota

This article would sure be shorter if we could just give you the name of the single best car insurance company that has the rock bottom lowest rates in Minnesota. It’s just not that easy, however, as there are a ton of unknown factors like if you own a home, whether or not you are currently insured, and how high your deductibles should be, that all go into determining the rate you pay. This article will cover the best ways to avoid paying too much and will hopefully give you a good start in finding the cheapest car insurance.

For foreigners, one of the more important factors that aid in calculating insurance cost is where you choose to live. Larger areas like Minneapolis, Maplewood, and Richfield tend to have more expensive car insurance rates, whereas cities that are not as densely populated have the benefit of the cheapest auto insurance for immigrants in Minnesota.

The information below illustrates the higher priced cities in Minnesota for immigrants in which to buy car insurance.

Table data uses estimated as the specific garaging location can alter insurance rates noticeably.

Deciding which companies have the lowest-priced insurance rates for immigrants will take more time than just comparing rates from one or two companies. Every auto insurer uses a different method for filing rates in each state, so let’s take a look at the lowest cost insurance companies in Minnesota.

Lowest Insurance Price Quotes for Migrants

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Travelers has some of the most affordable car insurance rates in Minnesota at around $647 annually. Farm Bureau Mutual, USAA, Western National, and The Hartford also qualify as some of the cheapest Minnesota auto insurance companies.

In the above rates, if you have coverage with Western National and switched to Farm Bureau Mutual, you could see yearly savings of approxmiately $96. Customers with The Hartford might save as much as $131 a year, and West Bend Mutual insureds might reduce prices by as much as $138 a year.

Be aware that those policy rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a rate discount for immigrants. So the auto insurance company that can offer you the lowest price may not even be shown in the above rate chart. That points out the importance of why you need to get rate quotes using your own specific driver and vehicle information.

The vehicle requiring insurance is one of the primary factors when comparing quotes for cheap coverage for immigrants. Vehicles with economical engines, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than higher performance models. The information below estimates auto insurance premiums for some of the cheapest vehicles to insure in Minnesota.

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in vehicle location which can revise insurance rates noticeably.

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in vehicle garaging location which can revise rates noticeably.

Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can revise insurance rates considerably.

Get discount Minnesota car insurance

Insurance companies that offer the cheapest auto insurance for immigrants in Minnesota may also provide rate discounts that could potentially reduce rates by as much as 30% if you meet certain criteria. A few popular companies and a summarized list of policyholder discounts can be read below.

• State Farm may include discounts for multiple autos, accident-free, defensive driving training, Steer Clear safe driver discount, and driver’s education.
• Farmers Insurance has discounts for early shopping, good student, electronic funds transfer, bundle discounts, youthful driver, and switch companies.
• GEICO offers premium reductions for daytime running lights, air bags, good student, five-year accident-free, and defensive driver.
• American Family offers discounts including multi-vehicle, Steer into Savings, air bags, accident-free, good student, mySafetyValet, and bundled insurance.
• Nationwide includes discounts for Farm Bureau membership, good student, anti-theft, business or organization, defensive driving, multi-policy, and family plan.
• Progressive offers discounts for online quote discount, multi-policy, multi-vehicle, good student, continuous coverage, and online signing.

The chart below illustrates the difference between car insurance costs with and without discounts applied to the premium. The costs are based on a male driver, no claims or driving violations, Minnesota state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multiple policy, passive restraint, marriage, multiple vehicle, and claim-free discounts applied. When drivers qualify for the discounts, the the average amount saved on insurance for immigrants is 28% or $414.

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Safe drivers pay cheaper rates

A great way to maintain cheap insurance premiums in Minnesota for foreigners is to drive carefully and avoid getting tickets or having accidents. The diagram below illustrates how traffic citations and at-fault collisions can raise insurance costs for different categories of driver ages. The premiums assume a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

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In the previous example, the average cost of an auto insurance policy in Minnesota per year with no violations or accidents is $1,821. Add in two speeding tickets and the average cost jumps to $2,414, an increase of $593 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for immigrants jumps again to an average of $3,010. That’s an increase of $1,189, or $99 per month, just for not keeping your driving record clean!

How to get the cheapest auto insurance for immigrants in Minnesota

Below you’ll find some of the recommended penny-pinching ideas that can help drivers find cheap coverage.

• Avoid having at-fault accidents
• Safe vehicles generally have lower rates
• Violations and traffic tickets increase rates
• If possible, pay for small claims out-of-pocket
• Bundle home and auto and earn a discount
• Keep rates low by comparing prices once a year

That last piece of advice is certainly valuable, as was stressed in this piece. Auto insurance prices adjust frequently, so drivers shouldn’t hesitate to change to a new company if a better rate can be found. Having a favorite company is fine, but it’s not recommended if that stubbornness costs you hundreds of dollars a year. If you have a few minutes, compare prices to find cheaper insurance for immigrants.