The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, in particular when you are shopping around for the cheapest auto insurance for immigrants. Because of the high cost, let’s start off by going over some of the factors that help determine insurance rates, and see if you can lower the price of the next policy you buy.
The make and model of vehicle you are trying to insure is a significant factor that determines the availability of cheap auto insurance for immigrants. Vehicles with more horsepower, poor safety ratings, or an increased likelihood of liability claims will cost more to insure than safer models. The data below presents car insurance costs for a handful of the cheaper vehicles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,494|
|Honda CR-V EX-L 4WD||$1,529|
|Honda Accord LX-P 4-Dr Sedan||$1,637|
|Ford Explorer XLT 4WD||$1,675|
|Toyota RAV4 Limited 4WD||$1,769|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,822|
|Hyundai Elantra GLS 4-Dr Sedan||$1,866|
|Toyota Corolla S||$1,873|
|Toyota Tacoma X-Runner 2WD||$1,866|
|Volkswagen Jetta SE 4-Dr Sedan||$1,899|
|GMC Sierra 3500HD SLE Crew Cab 2WD||$1,932|
|Toyota Camry LE||$1,937|
|Chevrolet Malibu LT||$1,976|
|Dodge Grand Caravan SXT||$1,984|
|Ford F-150 Lariat Super Cab 2WD||$1,976|
|GMC Sierra SLE Regular Cab 2WD||$1,995|
|Ford Focus SEL 4-Dr Sedan||$2,006|
|Kia Optima SX||$2,025|
|Honda Odyssey EX-L W/Navigation||$2,045|
|Chevrolet Silverado LT Regular Cab 2WD||$2,075|
|Honda Civic Hybrid 4-Dr Sedan||$2,083|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$2,090|
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in vehicle garaging location which can modify coverage prices substantially.
Looking at the data, you can figure that vehicles like the Ford Escape, Honda CR-V, Honda Accord, and Ford Explorer are some of the more affordable vehicles to insure for foreigners.
Finding reliable, low-priced insurance is hard enough, and deciding which company has the best car insurance rates for immigrants will require a little more work. Every insurance provider uses a little different formula for determining prices, so we’ll go over the most competitive car insurance companies in Boston, MA.
Best Cheap Insurance Rates for Migrants
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$831|
|8||Norfolk and Dedham||$1,036|
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State Farm may offer some of the best car insurance rates in Boston at around $711 each year. National Grange Mutual, GEICO, OneBeacon, and Commerce Group are also some of the most economical Boston, MA insurance companies.
As illustrated above, if you currently have a policy with National Grange Mutual and switched to State Farm, you might achieve a yearly price reduction of approximately $120. Massachusetts drivers with GEICO might save as much as $131 a year, and OneBeacon policyholders might realize rate reductions of up to $174 a year.
It’s important to note that these premium estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for immigrants. So the car insurance company that has the cheapest price for you may not even be in the top 21 companies in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.
One of the more important criteria that aid in calculating the amount you pay each year for auto insurance is where your car is garaged. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas that tend to be more rural benefit from lower coverage costs.
The next table ranks the most costly cities in Massachusetts for immigrants in which to purchase auto insurance. Boston comes in at #8 having an annual price of $1,735 for the average insurance policy, which is about $145 per month.
|Rank||City||Average Per Year|
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Price information shown is estimated as specific location information can impact price quotes greatly.
Discounts on Boston car insurance
Insurance companies that offer quotes for immigrants may also provide rate discounts that could reduce prices by as much as 30% if you are eligible to receive them. A few popular companies and some of the premium reductions they offer are:
- Progressive offers discounts for good student, multi-vehicle, online signing, homeowner, and online quote discount.
- AAA has savings for pay-in-full, multi-policy, good student, good driver, AAA membership discount, anti-theft, and education and occupation.
- Farmers Insurance includes discounts for youthful driver, alternative fuel, distant student, bundle discounts, and mature driver.
- GEICO policyholders can earn discounts including emergency military deployment, air bags, defensive driver, five-year accident-free, driver training, anti-lock brakes, and federal employee.
- Esurance discounts include Switch & Save, claim free, renters, Pac-12 alumni, paid-in-full, and multi-car.
- SAFECO may include discounts for bundle discounts, safe driver, anti-theft, drive less, accident prevention training, multi-car, and homeowner.
- State Farm offers premium reductions for multiple policy, accident-free, good driver, Drive Safe & Save, anti-theft, safe vehicle, and Steer Clear safe driver discount.
The chart below illustrates the difference between annual premium costs with and without discounts applied to the rates. The data is based on a male driver, no claims or violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple policy, homeowner, passive restraint, anti-theft, defensive driving course, and vehicle safety discounts applied. When taking advantage of discounts, theamount saved on car insurance for immigrants is 28% or $484.
How to find a good Boston car insurance company
Selecting the top company is difficult considering how many companies sell coverage in Massachusetts. The company rank data shown below can help you choose which coverage providers to look at when comparing rate quotes.
These ratings are only comprised of the largest companies in the United States, so companies that only write business in Massachusetts or surrounding areas are not taken into consideration for these rankings. To get rate quotes from the most competitive companies in Massachusetts, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Don’t stick with an overpriced policy
Boston car insurance rates are determined by lots of factors which can substantially change the price you have to pay for coverage. Getting older, increasing deductibles, or getting a driving violation can trigger price changes resulting in some companies being cheaper than competitors.
Also, companies modify pricing as needed as an adjustment for underwriting gains or losses. Higher than usual claims can result in more expensive premiums, while better underwriting can produce lower-priced Boston car insurance rates.
To illustrate this point, the chart below shows a variety of companies that have the cheapest car insurance in Boston, MA for a 40-year-old male driver with no violations or accidents, and a good credit rating. If we look at prices based on his current risk factors, State Farm has the cheapest car insurance rates in Boston at $1,020 annually. This is $215 less than the average premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are the remaining most affordable Boston, MA auto insurance companies.
Now we will pretend the driver from the first example a claim or two, slightly worse credit, and an imperfect driving record. Due to the fact that each insurance company has their own formula to determining premium rates, analyzing rates could result in a different ranking of the cheapest companies as shown below.
Arbella now has the cheapest rate in Boston, MA with USAA, Norfolk and Dedham, Amica, and GEICO now rounding out the top five. This illustrates why consumers need to shop around to get the lowest auto insurance quotes for immigrants.
Insurance prices are influenced by many different factors and can decrease or increase without notice, so the most economical option when you bought your policy may now be quite expensive.
If you wish to have a consultation when shopping around for cheaper insurance for foreigners, the agencies below can probably help you determine which auto insurance coverages would be the best in your situation. To locate a Boston insurance agent by location nearest to you, click the button at the bottom.
- Paul Lymneos Insurance Agency
4258 Washington St Suite 8 – Roslindale, MA 02131 – (617) 327-3870
- Metro Boston Insurance Agency
78 Bennington St – Boston, MA 02128 – (617) 561-3191
- Thomas J. Bennett Insurance Agency
480 Washington St – Dorchester Center, MA 02124 – (617) 825-9676