Who Has the Cheapest Auto Insurance Quotes for Immigrants in Alabama?

When buying auto insurance for foreigners, one of the key things that impact the annual cost of car insurance is where you keep your vehicle. Areas with more people or higher crime rates like Birmingham, Mobile, and Homewood are more likely to have higher rates, whereas areas with less traffic congestion and claims get the luxury of paying less.

The information below ranks the most expensive places in Alabama for immigrants to buy auto insurance in.

Premium costs are comparative as the vehicle garaging location can raise or lower premium rates greatly.

Finding out which companies offer the best insurance rates for immigrants will take a bit more effort in order to find the most economical policy. Every auto insurer has their own guidelines for establishing rates, so we will examine the overall cheapest insurance companies in Alabama.

Keep in mind that Alabama insurance rates are calculated based on many things that may substantially change the price you pay. Simply getting older, buying a different home, or getting a ticket for running a stop sign can cause premium changes resulting in some companies being more affordable than others.

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Travelers may have some of the best car insurance rates in Alabama at around $815 per year. Cincinnati Insurance, USAA, GEICO, and Country would also be considered some of the cheaper Alabama insurance companies.

As shown above, if you currently have coverage with Country and switched to Cincinnati Insurance, you might see a yearly savings of roughly $323. Insureds with Auto-Owners may save as much as $334 a year, and Safeway customers might reduce rates by $346 a year.

It’s important to note that these rates are averaged across all insureds and vehicles and are not factoring in a rate discount for immigrants. So the insurer that has the lowest price for you may not even be shown in the list of companies shown earlier. That underscores the importance of why you need to quote rates from many companies using your own personal information and vehicle type.

The vehicle needing coverage is probably the most important factor in finding economical car insurance for immigrants. Vehicles with high performance features, a lack of modern safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models.

The list below estimates insurance prices for some of the cheaper vehicles to buy coverage for.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates noticeably.

Based upon the rates shown, you can infer that makes and models like the Hyundai Elantra, Honda Accord, and Dodge Grand Caravan are most likely going to be some of the most budget-friendly vehicles to insure for foreigners.

Discounts on Alabama auto insurance

Car insurance companies that sell the cheapest car insurance for immigrants in Alabama may also give you premium discounts that may potentially lower prices by 35% or more if you meet eligibility requirements. Larger insurance companies and some of the discounts are detailed below.

• State Farm may include discounts for student away at school, multiple policy, passive restraint, good driver, defensive driving training, and Drive Safe & Save.
• GEICO has discounts for air bags, anti-theft, federal employee, good student, and membership and employees.
• Liberty Mutual includes discounts for hybrid vehicle, multi-policy, preferred payment discount, multi-car, and new move discount.
• The Hartford offers premium reductions for driver training, bundle, defensive driver, air bag, and vehicle fuel type.
• MetLife discounts include multi-policy, defensive driver, claim-free, good student, good driver, accident-free
• Progressive offers discounts for good student, online signing, homeowner, multi-policy, and continuous coverage.

The diagram below shows the comparison of annual premium costs with and without discounts being applied to the rates. The rates are based on a male driver, no claims or violations, Alabama state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, passive restraint, marriage, accident-free, anti-theft, and homeowner discounts applied. When discounts are factored in, the average amount saved each year on insurance for immigrants is 28% or $489.

Is Allstate, State Farm, Progressive, or Geico cheaper?

When comparing auto insurance, the four most popular companies are Allstate, State Farm, Progressive, and Geico. When combined, they make up about 50% of all car insurance policies written. All of them have different optional coverages and features that may influence your buying decision. The table below shows some of the different features shoppers can find with each company.