Wouldn’t life be great if we knew the one company that has the lowest rates for immigrants? Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements such as the level of liability coverage you want, if you want full coverage included, citations or tickets, and the safety features built into your vehicle, that all help calculate your car insurance rates. The information below will cover the best ways to find cheap auto insurance and will hopefully give you a jump start in finding the best auto insurance.
For foreigners, one of the more important components that are looked at to determine insurance cost is where your car is garaged in Colorado Springs. Regions with larger populations or more claims tend to have more expensive auto insurance rates, whereas less populated areas have the gratification of cheaper auto insurance rates.
The information below shows the most expensive areas in Colorado for immigrants to purchase car insurance in. Colorado Springs shows up at #12 with a yearly premium of $1,277 for car insurance, which is around $106 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Aurora | $1,417 |
| 2 | Pueblo | $1,397 |
| 3 | Denver | $1,397 |
| 4 | Commerce City | $1,368 |
| 5 | Lakewood | $1,365 |
| 6 | Northglenn | $1,342 |
| 7 | Centennial | $1,317 |
| 8 | Arvada | $1,308 |
| 9 | Littleton | $1,293 |
| 10 | Security-Widefield | $1,291 |
| 11 | Highlands Ranch | $1,279 |
| 12 | Colorado Springs | $1,277 |
| 13 | Ken Caryl | $1,274 |
| 14 | Brighton | $1,273 |
| 15 | Thornton | $1,268 |
| 16 | Westminster | $1,246 |
| 17 | Parker | $1,233 |
| 18 | Castle Rock | $1,224 |
| 19 | Broomfield | $1,203 |
| 20 | Boulder | $1,171 |
| 21 | Greeley | $1,144 |
| 22 | Longmont | $1,133 |
| 23 | Grand Junction | $1,132 |
| 24 | Fort Collins | $1,100 |
| 25 | Loveland | $1,074 |
| Compare Prices Now Go | ||
Annual rates are comparative as specific Colorado Springs zip code can affect auto insurance rates substantially.
The type of vehicle requiring insurance is one of the largest factors when shopping around for cheaper auto insurance for immigrants. Vehicles with high performance, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models.
The next list ranks auto insurance prices for the most affordable automobiles to insure in Colorado.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,294 |
| Toyota Prius | $1,314 |
| Ford F-150 XL Regular Cab 4WD | $1,323 |
| Honda CR-V LX 4WD | $1,333 |
| Toyota Camry LE | $1,399 |
| Toyota RAV4 Sport 2WD | $1,406 |
| Hyundai Elantra SE Touring Station Wagon | $1,409 |
| Honda Odyssey LX | $1,419 |
| Dodge Grand Caravan Crew | $1,426 |
| Ford Edge SEL AWD | $1,502 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,509 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,502 |
| Ford Fusion Sport 4-Dr Sedan | $1,511 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,529 |
| Toyota Tacoma Double Cab 4WD | $1,534 |
| Honda Civic DX 4-Dr Sedan | $1,541 |
| Ford Explorer Limited 2WD | $1,564 |
| Honda Accord LX-S 2-Dr Coupe | $1,573 |
| Jeep Grand Cherokee Laredo 4WD | $1,576 |
| Ford Focus SEL 4-Dr Sedan | $1,586 |
| Toyota Camry Hybrid | $1,600 |
| Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD | $1,603 |
| Toyota Corolla LE | $1,617 |
| Find Cheaper Rates Go | |
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in specific garaging location which can lower or raise premiums considerably.
Based upon these rates, cars like the Ford Escape, Toyota Prius, and Ford F-150 should be a few of the most budget-friendly vehicles to insure for foreigners.
Comparing quotes for affordable car insurance is not always easy, and determining which companies have the cheapest insurance rates for immigrants requires even more diligence. Every auto insurer uses a little different formula to determine premium rates, so first we will examine the most budget-friendly insurance companies in Colorado.
Compare Cheap Insurance Quotes for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $850 |
| 2 | Grange | $958 |
| 3 | USAA | $999 |
| 4 | Nationwide | $1,121 |
| 5 | GEICO | $1,152 |
| 6 | Auto-Owners | $1,168 |
| 7 | Travelers | $1,183 |
| 8 | State Farm | $1,246 |
| 9 | American Family | $1,262 |
| 10 | Progressive | $1,336 |
| 11 | Amica | $1,340 |
| 12 | California Casualty | $1,444 |
| 13 | Allied | $1,453 |
| 14 | Colorado Farm Bureau | $1,592 |
| 15 | Farmers | $1,629 |
| 16 | MetLife | $1,811 |
| 17 | Allstate | $2,015 |
| 18 | Encompass | $2,253 |
| 19 | Safeco | $2,447 |
| 20 | Titan | $2,657 |
| Quote Your Rates Go | ||
The Hartford has some of the lowest car insurance rates in Colorado Springs at around $850 each year. Grange, USAA, Nationwide, and GEICO also rank well as some of the cheaper Colorado Springs, CO insurance companies.
In this example, if you currently have a policy with Nationwide and switched to The Hartford, you could earn a yearly savings of approximately $271. Customers with GEICO might save as much as $302 a year, and Auto-Owners policyholders might lower prices by up to $318 a year.
To compare your rates to other Colorado insurance companies, click here to get a free quote or click through to the companies below.
It’s important to note that these premium estimates are averages across all types of insureds and vehicles and do not factor in an exact vehicle garaging location for immigrants. So the insurer that fits your needs best may not even be in the top 21 companies shown above. That illustrates why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
Buying coverage from a good quality auto insurance provider can be difficult considering how many companies provide coverage in Colorado. The information displayed below may help you select which providers to look at when shopping around. These rankings only include large insurance companies, so companies that only write business in Colorado or surrounding areas will not be included in the list.
Top 10 Major Auto Insurance Providers in Colorado Springs Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
- Travelers
The information below illustrates how your choice of deductibles can increase or decrease insurance costs when getting quotes for cheap insurance for immigrants. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
The chart above illustrates that a 50-year-old driver could save $340 a year by increasing from a $100 deductible up to a $500 deductible, or save $514 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, have the ability to save as much as $1,138 every year just by choosing higher deductibles. If you do decide to increase your deductibles, it is necessary to have enough savings to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
The Colorado Springs, CO, insurance agents below are willing to answer your questions and help you decide which policy fits your needs best, as some people have coverage questions and would like to have the advice of a professional agent when shopping for cheaper insurance for immigrants. It’s not always simple to find the cheapest rate yourself, and agents can provide comfort knowing you have adequate protection. To find an auto insurance agency close to where you live, click the button after the list or click here to compare rates now.
- Lee Ann Moore – State Farm Insurance Agent
3649 Star Ranch Rd – Colorado Springs, CO 80906 – (719) 540-9520 - State Farm Agent Scott Richter
5885 Stetson Hills Blvd #130 – Colorado Springs, CO 80923 – (719) 591-2300 - Aileen Baldwin – State Farm Insurance Agent
540 W Garden of the Gods Rd – Colorado Springs, CO 80907 – (719) 599-9044
View more Colorado Springs, CO insurance agents
How to find budget-friendly insurance for immigrants
Below you’ll find some money-saving ideas that can help Colorado Springs drivers find cheaper coverage.
- Vehicles with safetly features generally cost less to insure
- Avoid accidents and claims
- Buy your auto and home insurance from the same company and save
- Full coverage may not be needed on older vehicles
- Good credit can mean cheaper rates
- Shop around for lower rates once a year
The final tip is highly crucial, as was pointed out in this write-up. Car insurance prices can change considerably in a year, so drivers shouldn’t hesitate to switch carriers if a cheaper price is available. Staying with the same car insurance company is fine, but we do not recommend it if that loyalty ends up costing big bucks every year. In just a few minutes you could compare prices to find cheaper car insurance for immigrants in Colorado Springs.