Who Has Affordable Auto Insurance Quotes for Immigrants in Oklahoma City?

The vehicle model you are trying to insure is one of the largest considerations when quoting affordable auto insurance for immigrants. Vehicles with high performance features, a lack of safety features, or a track record of large liability claims will cost much more to insure than more modest models.

The next list shows car insurance prices for a selection of the most economical vehicles to insure.

Cheapest Vehicles to Insure in Oklahoma City, OK
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,032
Hyundai Elantra GLS Touring Station Wagon $1,131
Ford Escape XLT 4WD $1,197
Chevrolet Equinox LT 2WD $1,222
Chevrolet Malibu LS $1,227
Toyota RAV4 Limited 2WD $1,222
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,233
Volkswagen Jetta S 2.5 Station Wagon $1,261
Dodge Grand Caravan SE $1,266
Toyota Camry SE $1,288
Toyota Prius $1,291
Hyundai Sonata GLS 4-Dr Sedan $1,307
Nissan Rogue S AWD $1,312
Nissan Altima Hybrid 4-Dr Sedan $1,311
GMC Sierra SLE Crew Cab 4WD $1,320
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in specific zip code location which can increase or decrease premium rates significantly.

By looking at the data, we can assume that models like the Honda CR-V, Hyundai Elantra, Ford Escape, Chevrolet Equinox, and Chevrolet Malibu will be some of the most affordable vehicles to insure for foreigners.

Comparing quotes for affordable auto insurance is not most people’s favorite thing to do, and determining which companies offer the lowest-priced insurance rates for immigrants requires even more perseverance. Every auto insurer has their own process to set premium rates, so let’s take a look at the insurance companies that tend to be cheaper in Oklahoma.

Best Insurance Companies for Migrants

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Cheapest Oklahoma auto insurance companies
Rank Company Cost Per Year
1 Oklahoma Farmers Union $1,154
2 USAA $1,161
3 GEICO $1,340
4 The Hartford $1,359
5 Safe Auto $1,363
6 Farmers $1,436
7 State Farm $1,568
8 Travelers $1,868
9 Liberty Mutual $1,871
10 Mercury $1,993
11 OK Farm Bureau $2,018
12 MetLife $2,147
13 Progressive $2,179
14 Shelter $2,194
15 Home State $2,214
16 Allstate $2,400
17 Safeco $5,209
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Oklahoma Farmers Union generally has some of the cheapest car insurance rates in Oklahoma City at around $1,154 a year. USAA, GEICO, The Hartford, and Safe Auto also rank well as some of the lowest-priced Oklahoma City, OK auto insurance companies.

In the above example, if you have coverage with USAA and switched to Oklahoma Farmers Union, you could earn yearly savings of approximately $7. Oklahoma drivers with GEICO could save as much as $186 a year, and The Hartford insureds might lower prices by $205 a year.

To get a quick, customized rate comparison, click here to get a free quote or click through to the companies below.

It’s important to note that these estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in a vehicle location for immigrants. So the insurer that is best suited for you may not even be in the top 17 companies in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Rate comparison of full coverage and liability-only

Paying a lower price for insurance is important to the majority of people, and a good way to buy cheap insurance for immigrants is to not pay for full coverage. The example below shows the comparison of car insurance rates with full coverage and liability only. The data assumes no claims or driving violations, $250 deductibles, drivers are not married, and no additional discounts are factored in.

If averaged for all ages, physical damage coverage on your policy costs an extra $2,349 per year over having just liability coverage. That is a large expense which might make you wonder when is it a good idea to stop buying full coverage. There is no specific rule to delete full coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

There are some conditions where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.

The example below highlights how deductible choice can change yearly insurance costs when quoting cheap insurance for immigrants. The prices are based on a single male driver, comp and collision included, and no discounts are factored in.

In the chart above, a 40-year-old driver could lower their policy premium by $514 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $776 by switching to a $1,000 deductible. Even younger insureds, such as the Age 20 example, can cut up to $1,702 each year just by using higher deductibles. When increasing deductibles, it is essential to have enough funds in savings to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.

Get discount Oklahoma City auto insurance

Discounts on insurance for immigrantsInsurers that sell policies for immigrants may also give you policy discounts that could potentially reduce rates by as much as 25% or more if you are eligible. The best insurance companies and a summarized list of policyholder discounts are shown below.

The information below shows the comparison of insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no violations or claims, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, passive restraint, anti-theft, homeowner, multiple vehicle, and marriage discounts applied. When discounts are factored in, theaverage amount saved on insurance for immigrants is 28% or $959.

How to find cheaper car insurance for immigrants

The list below details some penny-pinching solutions that can help Oklahoma City drivers get lower-cost coverage.

The final tip is highly valuable, as we discussed in this article. Car insurance prices in Oklahoma City can change in a short period of time, so don’t be unwilling to change to a new company if a lower price can be found. Being loyal to a particular company is commendable, but it’s not recommended if that loyalty results in overpaying a wad of cash every year. It only take a few minutes to compare rates to find cheaper car insurance for immigrants.

The insurance agencies listed below can most likely answer your questions and help you decide which auto insurance policy would work best for you, since some drivers have questions and prefer to have professional advice when comparing insurance rates for immigrants. It can be hard to find the cheapest rates, and using a licensed agent can bring comfort knowing your policy gives you enough coverage if you have a claim.

To find an Oklahoma City insurance agency close to where you live, click the button following the list.

State Farm: Vicky Richey Insurance Agency Inc
8601 S Walker AveOklahoma City, OK 73139(405) 635-0677

Scott Godwin Insurance Agency – OKC Insurance
9026 SE 29th StOklahoma City, OK 73150(405) 600-6400

Freeland Insurance, LLC
6017 Shiloh DrOklahoma City, OK 73179(405) 692-6106

More insurance agents in Oklahoma City, OK