Who Has the Cheapest San Diego Auto Insurance Rates for Immigrants?

The words “bargain” and “insurance” really should not be used together, especially when shopping around for the best car insurance rates for immigrants. To save some money, let’s go over some things that impact insurance prices, and figure out some ideas to lower the cost of the next policy you buy.

Finding dependable, affordable car insurance is tough enough, and deciding which company quotes the best auto insurance rates for immigrants may require a bit more work.

Each insurance company uses their own formula to determine premium rates, so let’s rank the auto insurance companies with the most affordable rates in California. Keep in mind that California auto insurance rates are influenced by many factors which can substantially change the price you have to pay for coverage. This is why consumers need to compare many different companies to get the most economical auto insurance quotes for immigrants. Auto insurance prices are determined by many factors and change frequently, so the most affordable company the last time you shopped around may now be wasting a lot of money.

Cheapest Insurance Rates for Migrants

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,157
3 Century National $1,226
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,379
7 Mercury $1,488
8 Grange $1,491
9 Progressive $1,542
10 GEICO $1,559
11 Allstate $1,559
12 Allied $1,588
13 The Hartford $1,623
14 MetLife $1,638
15 State Farm $1,699
16 Unitrin $1,699
17 Esurance $1,739
18 Travelers $1,788
19 Bristol West $1,831
20 Farmers $2,006
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USAA may have some of the best car insurance rates in San Diego at around $1,155 per year. This is $496 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the lowest-priced San Diego, CA auto insurance companies.

As the rates illustrate above, if you currently buy coverage from CSAA and switched to USAA, you could earn a yearly savings of roughly $79. California drivers with Nationwide may save as much as $95 a year, and 21st Century customers might see rate reductions of $224 a year.

To find out how your current rates compare, click here to start a quote or visit any of the companies below.

Remember that these policy prices are averages for all types of insureds and vehicles and are not factoring in an exact vehicle garaging location for immigrants. So the insurer that fits your age and vehicle best may not even be in the list above. That helps illustrate why you need to get quotes using your own driver data and vehicle information.

The vehicle model you are insuring is one of the main factors when trying to find low-priced auto insurance for immigrants. Vehicles with more horsepower, poor safety ratings, or a track record of large liability claims will cost more to insure than safer models. The list below ranks coverage premiums for the most cost-effective vehicles to insure.

Cheapest Vehicles to Insure in San Diego, CA
Vehicle Estimated Cost for Full Coverage
Ford Explorer XLT 4WD $899
Ford Focus SE 4-Dr Sedan $929
Toyota RAV4 Sport 4WD $948
Chevrolet Malibu LS $954
Jeep Grand Cherokee Laredo 2WD $948
Ford F-150 Lariat Super Cab 4WD $966
Honda Accord LX 4-Dr Sedan $984
Ford Escape Limited 4WD $996
Ford Edge Limited AWD $998
Toyota Corolla LE $1,006
Honda Odyssey EX-L W/Rear Entertainment $998
Honda CR-V EX-L 2WD $1,009
Ford Fusion SE 4-Dr Sedan $1,017
Nissan Rogue SL 2WD $1,019
Hyundai Sonata SE 4-Dr Sedan $1,070
Toyota Camry Hybrid $1,088
Chevrolet Impala LT $1,097
Chevrolet Silverado LS Regular Cab 2WD $1,092
Toyota Prius $1,094
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $1,102
Dodge Grand Caravan CV $1,104
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,106
Hyundai Elantra Blue 4-Dr Sedan $1,124
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in vehicle location which can modify auto insurance rates significantly.

By looking at the data, you can presume that vehicles like the Ford Explorer, Ford Focus, Toyota RAV4, and Chevrolet Malibu are most likely to be a few of the less-costly vehicles to insure for foreigners.

One of the many components that help determine the amount you pay each year for auto insurance is where you normally keep your vehicle. Areas with more people or more claims tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The information below sorts the most expensive places in California for immigrants to buy car insurance in. San Diego makes the list at #22 with a yearly cost of $1,381 for the average insurance policy, which is around $115 monthly.

How much is auto insurance in San Diego, CA?
Rank City Annual Rate
1 Los Angeles $2,083
2 Glendale $2,079
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,652
6 San Bernardino $1,628
7 Stockton $1,603
8 Santa Clarita $1,595
9 Fontana $1,581
10 Long Beach $1,562
11 Garden Grove $1,524
12 Moreno Valley $1,506
13 Fresno $1,502
14 Modesto $1,502
15 Riverside $1,497
16 Anaheim $1,474
17 Santa Ana $1,439
18 San Jose $1,437
19 Huntington Beach $1,402
20 Bakersfield $1,394
21 Irvine $1,384
22 San Diego $1,381
23 Fremont $1,361
24 Oxnard $1,358
25 Chula Vista $1,311
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Rate information is comparative as the specific zip code location can influence insurance rates considerably.

The chart below demonstrates how choosing different deductibles can raise or lower insurance prices when getting quotes for cheap insurance for immigrants. The rate quotes are based on a single male driver, full coverage, and no discounts are factored in.

The data above shows that a 30-year-old driver could lower their car insurance rates by $410 a year by increasing from a $100 deductible up to a $500 deductible, or save $616 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could possibly save as much as $1,190 or even more by selecting a higher deductible. If you do raise deductibles, it will be necessary to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Rate comparison of full coverage and liability-only

Buying cheaper auto insurance should be important to the majority of drivers, and an effective way to buy cheap insurance for immigrants is to only buy liability insurance. The diagram below shows the comparison of auto insurance rates with full physical damage coverage and with liability coverage only. The price estimates are based on no claims or driving citations, $100 deductibles, marital status is single, and no discounts are applied to the premium.

If all age groups are averaged, comp and collision coverage costs $2,525 per year more than just insuring for liability. That may make you wonder if full coverage is worth the money. There is no set guideline to stop paying for physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

Low rates today, overpriced tomorrow

San Diego, CA auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of a policy. Simply turning a year older, having a claim, or getting caught speeding can trigger price changes resulting in some rates now being cheaper in comparison to the competition.

Not only may things change on your end, but insurers file new rates as often as every three months to adjust for unexpected claims or profits. An extended period of higher than normal claims can cause higher priced premiums, while a better claims history can result in cheaper San Diego car insurance rates.

As an example, the bar chart below shows rates for the cheapest car insurance in San Diego, CA for a 30-year-old female driver with no accidents or violations, and good credit. When comparing rates based on her current risk factors, USAA has the cheapest car insurance rates in San Diego at $1,139 per year. This is $512 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the best San Diego, CA auto insurance companies.

Now we will give the driver from the first set of rates a claim or two, a little lower credit rating, and a traffic ticket or two. Since each insurance company has a different process to establish rates, getting updated rate quotes could result in a substantially altered list of cheap San Diego auto insurance companies as shown below.

Grange now has the best price on car insurance in San Diego with Allstate, Mercury, Progressive, and GEICO now being in the top five. This example illustrates why consumers need to perform a complete rate comparison to find the lowest insurance rates for immigrants. Insurance rates are influenced by many factors and can change substantially, so the most affordable company the last time you shopped around may now be one of the more expensive options.

How to find budget-friendly car insurance for immigrants

Here are many thrifty ideas that can help drivers get lower-cost coverage.

That last piece of advice is extremely valuable, as was emphasized in this article. Auto insurance prices fluctuate constantly, so don’t be unwilling to buy from a new company if a cheaper rate is available.

Staying with the same car insurance company is fine, but it isn’t a good idea if that loyalty ends up costing a lot of money. In just a few minutes you could shop around to find cheaper auto insurance for immigrants in San Diego.

If you like to get some professional input when buying car insurance for foreigners, the insurance agencies listed below are willing to help you make a decision which auto insurance coverages would be the best in your situation.

To locate a San Diego auto insurance agent close to where you live, click the button link following the list.

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