The vehicle model that needs insurance is a large consideration in finding the cheapest coverage for immigrants. Vehicles with high performance, a lack of modern safety features, or high incidents of liability claims will cost more to insure than safer, lower-performance models.
The list below features insurance costs for a handful of the cheapest automobiles to insure in Texas.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Odyssey LX | $1,278 |
| Toyota Prius | $1,288 |
| Honda CR-V LX 4WD | $1,334 |
| Chevrolet Equinox LT AWD | $1,376 |
| Volkswagen Jetta S 4-Dr Sedan | $1,382 |
| Honda Accord EX-L 4-Dr Sedan | $1,444 |
| Toyota Corolla XLE | $1,447 |
| Chevrolet Impala LTZ | $1,457 |
| Ford Escape Limited 2WD | $1,459 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,474 |
| Nissan Rogue SL 2WD | $1,479 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,498 |
| Ford Focus SE 4-Dr Sedan | $1,550 |
| Toyota Tacoma 2WD | $1,555 |
| Kia Optima EX | $1,572 |
| Toyota RAV4 4WD | $1,579 |
| Dodge Grand Caravan Hero | $1,585 |
| Start Your Quote Go | |
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Estimates do not factor in vehicle location which can increase or decrease coverage rates substantially.
Based on these rates, makes and models like the Honda Odyssey, Toyota Prius, and Honda CR-V should be a few of the less-costly vehicles to insure for foreigners.
One of the more important considerations that are looked at to determine the annual cost of car insurance is your zip code. Areas with more people or higher crime rates tend to have higher rates, whereas more rural areas can boast about having cheaper rates.
The table below sorts the most expensive cities in Texas for immigrants in which to purchase auto insurance. Houston makes the list at #5 with a yearly cost of $1,835 on average, which is about $153 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,893 |
| 3 | Brownsville | $1,870 |
| 4 | Laredo | $1,851 |
| 5 | Houston | $1,835 |
| 6 | Mesquite | $1,807 |
| 7 | Amarillo | $1,804 |
| 8 | Pasadena | $1,794 |
| 9 | Garland | $1,778 |
| 10 | Irving | $1,772 |
| 11 | Grand Prairie | $1,757 |
| 12 | San Antonio | $1,739 |
| 13 | Arlington | $1,709 |
| 14 | Beaumont | $1,702 |
| 15 | Austin | $1,676 |
| 16 | Lubbock | $1,665 |
| 17 | Carrollton | $1,647 |
| 18 | El Paso | $1,632 |
| 19 | Plano | $1,608 |
| 20 | Fort Worth | $1,604 |
| Find the Best Rates Go | ||
Rates are comparative as the specific area where the vehicle is garaged can alter coverage prices noticeably.
Deciphering which companies quote the lowest-priced car insurance rates for immigrants will involve a bit more effort in order to find a policy that fits your budget. Each auto insurer uses a different method to set policy rates, so let’s examine the car insurance companies with the overall cheapest rates in Texas.
It’s important that you understand Texas car insurance rates are determined by lots of factors which can substantially change the cost of a policy. Simply turning a year older, getting divorced, or getting a ticket for running a stop sign can cause premium changes that may make certain companies cheaper in comparison to the competition.
Cheapest Insurance Rates for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,495 |
| 8 | Mercury | $1,521 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,597 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,155 |
| 15 | GEICO | $2,156 |
| 16 | Unitrin | $2,241 |
| 17 | MetLife | $2,249 |
| 18 | Encompass | $2,301 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,646 |
| Find Cheaper Rates Go | ||
Travelers normally has some of the best car insurance rates in Houston at around $1,041 each year. This is $863 less than the average policy premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the cheaper Houston, TX car insurance companies.
In the rate table above, if you currently buy coverage from Esurance and switched to USAA, you may see a yearly price reduction of in the vicinity of $262. Texas drivers with California Casualty may save as much as $279 a year, and State Farm policyholders might cut rates by $378 a year.
Remember that these rates are averages across all types of insureds and vehicles and do not factor in a specific vehicle garaging location for immigrants. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That’s why you need to get rate quotes from many companies using your own specific driver and vehicle information.
The chart below demonstrates how deductible levels can increase or decrease insurance costs when trying to find cheap insurance for immigrants. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The data above shows that a 50-year-old driver could lower their car insurance rates by $302 a year by increasing from a $100 deductible to a $500 deductible, or save $456 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, could potentially save as much as $766 each year by using a higher deductible. If you do make the decision to raise your deductibles, it is essential to have enough in a savings account to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Choosing a high-quality insurance company can be a challenge considering how many companies there are to choose from in Houston. The ranking information displayed below may help you pick which providers to look at when shopping insurance around for immigrants.
The ratings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not factored into these rankings. To compare rates from the most competitive companies in Texas, follow this link.
Top 10 Major Car Insurance Companies in Houston Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Major Car Insurance Companies in Houston Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
How to get discounts on Houston insurance rates
Auto insurance companies that sell policies for immigrants may also give you policy discounts that may potentially lower prices by 35% or more if you qualify for them. A few popular companies and a selection of discounts can be read below.
- The Hartford may have discounts that include good student, bundle, air bag, anti-theft, and driver training.
- American Family may include discounts for Steer into Savings, early bird, mySafetyValet, multi-vehicle, good driver, and defensive driver.
- Progressive discounts include homeowner, online quote discount, continuous coverage, online signing, multi-policy, good student, and multi-vehicle.
- Travelers has savings for IntelliDrive, student away at school, driver training, multi-car, and multi-policy.
- Farmers Insurance offers discounts for early shopping, pay in full, homeowner, switch companies, bundle discounts, distant student, and multi-car.
- USAA policyholders can earn discounts including safe driver, vehicle storage, loyalty savings, annual mileage, defensive driver, and multi-policy.
- Liberty Mutual has discounts for preferred payment discount, multi-car, safety features, new graduate, new vehicle discount, and exclusive group savings.
The chart below shows the comparison of premium costs with and without discounts applied. The rate quotes are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with anti-theft, claim-free, safe-driver, passive restraint, accident-free, and vehicle safety discounts applied. When taking advantage of discounts, theaverage yearly reduction on car insurance for immigrants is 28% or $706.