Cheap Auto Insurance for Immigrants in Utah

Comparing quotes for cost effective auto insurance is not always easy, and deciding which companies offer the most affordable car insurance rates for immigrants requires additional perseverance. Every insurance company has a different process to set their prices, so to begin we’ll rank the lowest cost car insurance companies in Utah.

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Bear River may have some of the best car insurance rates in Utah at around $572 each year. USAA, Auto-Owners, American Family, and Allied also make the cut as some of the cheaper Utah auto insurance companies.

In the above rates, if you are a customer of American Family and switched to Bear River, you could see annual savings of in the vicinity of $383. Insureds with Allied could save as much as $426 a year, and GEICO customers might see rate reductions of $451 a year.

It’s important to note that these premium estimates are averaged across all drivers and vehicles in Utah and are not factoring in a price discount for immigrants. So the company that can offer you the best rate may not even be in the chart above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.

The vehicle model that needs insurance is a significant factor when comparison shopping for affordable auto insurance for immigrants. Vehicles with higher performance, a lack of safety features, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models.

The next tables outlines car insurance costs for a number of the most economical automobiles to insure.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in your specific Utah location which can modify premium rates substantially.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in Utah location which can raise or lower rates significantly.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Utah minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in vehicle location which can increase or decrease coverage prices substantially.

When shopping for car insurance for foreigners, one of the many things that is used to calculate a rate quote is where your car is garaged in Utah. Areas that are more densely populated or have higher claim rates like Taylorsville, Salt Lake City, and West Valley City tend to have higher auto insurance costs, whereas areas with less congestion generally pay less for car insurance.

The following table sorts the most expensive places in Utah for immigrants to buy an auto insurance policy in.

Price information shown is estimated as the specific zip code location can affect coverage rates noticeably.

Discount Utah auto insurance rates

Insurance providers that sell cheap auto insurance for immigrants in Utah could also offer special discounts that can reduce rates by 40% or more if you meet specific criteria. Popular car insurance companies and a partial list of their discounts are included below.

The diagram below visualizes the comparison of insurance rates with and without discounts applied to the premium. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Utah state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, marriage, safe-driver, anti-theft, claim-free, and multiple vehicle discounts applied. When drivers take advantage of discounts, the the average amount saved on car insurance for immigrants is % or $.

Progressive, State Farm, Geico, or Allstate: Which is best?

If you’re looking for the cheapest auto insurance for foreigners in Utah, some of the first companies to look at are Progressive, State Farm, Geico, and Allstate. If you add them together, they insure about half of all car insurance policies written. The data below illustrates price and claims rank as well as some different options that policyholders can buy.

Best cheap insurance quotes for foreigners

Drivers have a lot of different ways to quote car insurance rates in Utah, but the most common ways are using an exlusive agent like Liberty Mutual or Allstate, an independent insurance agent, or from a direct company like Geico or Progressive.

Each way has the same basic process, but they differ slightly in how they provide price quotes.

Independent agencies write business for many companies and can compare coverage rates with each one. These agents are not restricted to one company and can compare multiple rates, which can give you better odds of saving money. If your agent finds better pricing, they can switch companies in-house and you do not have to find a new agent.

A captive or exclusive agent is only able to quote your policy with one company, examples being a Farmers or Allstate agent. Exclusive agencies are unable to compare rates from other companies, so you need to shop around if the rates are high.

Choosing to buy car insurance direct means you forego either of the other two types of agents and buy direct online or over the phone from a company like Geico or Esurance. Buying car insurance direct is a good choice for drivers who do not have a need for a risk management assessment and have an above average understanding of the limitations of their policy.

When shopping for car insurance, which way works best to find cheap auto insurance for immigrants in Utah? The quick answer would be buying from a direct car insurance company saves the most money because you bypass the middleman, but in reality, that argument does not hold true. A valid argument could also be made that going through an independent agent results in the best rates since they have access to many companies, but that assumption is not true either. In many cases, exclusive agencies have coverage prices that are impossible to beat.

Because there is so much variation in car insurance prices, the one way to make sure you’re not overpaying for car insurance is to compare lots of quotes. It’s a good idea to get quotes from all three types to have the best selection of rates to choose from. For a list of companies offering online discounts in Utah, click here to view.