What Insurance is Cheapest for Immigrants in Scottsdale?

Establishing which company quotes the most affordable auto insurance rates for immigrants will require a bit more effort in order to find a policy that fits your budget. Every insurance provider uses their own formula for determining rates, so let’s look at the rankings for the most budget-friendly auto insurance companies in Scottsdale.

It’s important that readers know that Scottsdale auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Improving your credit rating, having a claim, or getting a ticket for running a stop sign can trigger changes in premium that can now make some companies more affordable than others.

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What’s the cheapest car insurance in Arizona?
Rank Company Cost Per Year
1 The Hartford $811
2 Auto-Owners $915
3 Safeco $932
4 USAA $1,080
5 Travelers $1,108
6 Progressive $1,118
7 GEICO $1,131
8 Ameriprise Group $1,220
9 CSAA $1,225
10 Allied $1,233
11 Farm Bureau Mutual $1,259
12 Safe Auto $1,336
13 Farmers $1,350
14 Unitrin $1,357
15 State Farm $1,377
16 Titan $1,418
17 American Family $1,435
18 Amica $1,487
19 California Casualty $1,522
20 MetLife $1,551
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The Hartford offers some of the most affordable car insurance rates in Scottsdale at around $811 a year. This is $617 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also some of the cheaper Scottsdale, AZ insurance companies.

As illustrated above, if you are insured with Auto-Owners and switched to The Hartford, you could realize a yearly price reduction of upwards of $104. Drivers with Safeco may save as much as $121 a year, and USAA customers might reduce rates by $269 a year.

To discover how much you can save, click here to start your free quote or click several companies below for low rates.

It’s important to note that these policy rates are averages across all insureds and vehicles and do not factor in a specific vehicle garaging location for immigrants. So the car insurance company that can offer you the best price may not even be in the list above. That is why you need to quote rates from many companies using your own specific driver and vehicle information.

The car, truck, or SUV that is being insured is probably the most important factor that determines the availability of the lowest-priced auto insurance for immigrants. Vehicles with high performance engines, poor safety features, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models. The next list shows car insurance rates for a number of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Scottsdale, AZ
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,283
Hyundai Elantra SE Touring Station Wagon $1,388
Toyota RAV4 Limited 4WD $1,517
Chevrolet Malibu Hybrid $1,524
Honda Civic LX 4-Dr Sedan $1,568
Honda Accord LX 4-Dr Sedan $1,573
Ford Escape Limited 4WD $1,591
Toyota Corolla LE $1,596
Ford Edge SE 2WD $1,617
Toyota Prius $1,625
Kia Optima LX $1,630
Nissan Rogue S 2WD $1,625
Jeep Grand Cherokee SRT-8 4WD $1,627
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates considerably.

Based upon these rates, you can expect makes and models like the Honda CR-V, Hyundai Elantra, Toyota RAV4, and Chevrolet Malibu are going to be a few of the more affordable vehicles to insure for foreigners.

Rate difference between full and liability-only coverage

Saving on auto insurance is probably important to most vehicle owners, and an effective way to reduce the cost of insurance for immigrants is to only pay for liability coverage. The diagram below visualizes the comparison of insurance rates when comparing full coverage to liability only. The price estimates are based on a clean driving record, no claims, $1,000 deductibles, single marital status, and no discounts are taken into consideration.

If all age groups are averaged, full coverage costs an extra $1,263 per year more than buying just liability insurance. Lot’s of drivers question if buying full coverage is a waste of money. There is no specific rule for eliminating comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s assume your vehicle’s settlement value is $4,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,500 after paying the physical damage deductible. If premium cost is more than $350 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

The chart below shows how choosing a deductible can influence insurance rates when trying to find cheap insurance for immigrants. The rates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

The data above shows that a 50-year-old driver could lower their policy premium by $244 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $370 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could drop their prices as much as $808 or more by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it will be important to have enough savings set aside to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Don’t make the mistake of not shopping around

Arizona auto insurance rates are impacted by many things that will increase or decrease the price of coverage. Improving your credit rating, moving to a different location, or having an accident can produce rate changes resulting in some companies being cheaper in comparison to the competition.

Not only may things change on your end, but auto insurance companies file new Arizona car insurance rates at least once a year in order to protect their financial rating. Heavier than normal losses may result in increased rates, while profitable underwriting can produce cheaper Scottsdale car insurance rates.

To illustrate this point, the data below shows the companies that have the cheapest car insurance in Scottsdale, AZ for a 45-year-old female driver with a good driving record, no prior claims, and a high credit rating. When quoting prices based on her current rating profile, The Hartford may offer the most affordable car insurance rates in Scottsdale at $1,075 annually. This is $353 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remaining cheapest Scottsdale, AZ auto insurance companies.

In this example, we will give the driver from the first set of rates some claims, a little lower credit rating, and a traffic citation. Due to the fact that every insurance company uses their own formula to determining premium rates, getting updated rate quotes will most likely result in a substantially altered list of affordable companies as shown below.

Progressive now has the cheapest rate in Scottsdale with Ameriprise Group, Allied, CSAA, and Safeco now rounding out the top five. This demonstrates why it is so important to shop around with many companies when trying to find the most affordable car insurance rates for immigrants.

Auto insurance prices are impacted by many factors and can increase or decrease at any time, so the best company the last time you compared rates may now be quite expensive.

If you aren’t clear which coverage you need and would like to have a professional recommendation when shopping for the best coverage for immigrants, the agents listed below can answer your questions and help you decide which car insurance policy is best. To locate a Scottsdale insurance agent close to where you live, click the button below the list or click here to compare price quotes now.

Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th PlScottsdale, AZ 85251(480) 348-2200

Scottsdale Insurance Home
20875 N Pima RdScottsdale, AZ 85255(480) 712-0400

Allstate Insurance: Schubert Insurance and Financial Svcs
20731 N Scottsdale RdScottsdale, AZ 85255(480) 515-6259

Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310Scottsdale, AZ 85251(480) 212-1150

View map of Scottsdale, AZ insurance agents