It’s hard to miss the catchy advertisements from insurers like GEICO and Allstate claiming big savings. So you just need to choose any one of them, right?
It’s just not that easy, however, as there are a whole bunch of unknowns such as whether or not your vehicle has good safety ratings, where you live, if you are currently insured, and whether you are female or male, that all influence how much you pay for auto insurance. We will try to teach you about the different ways you can keep rates low and will give you some help in finding cheaper rates.
Buying affordable auto insurance is challenging, and figuring out which company offers the lowest-priced auto insurance rates for immigrants involves more quotes for comparison. Each auto insurance company has a different formula for determining rates in each state, so let’s take a look at the auto insurance companies with the overall best prices in Durham.
Keep in mind that Durham, NC auto insurance rates are impacted by many things that control the price you have to pay. This price fluctuation is why drivers need to compare rates when trying to find the lowest insurance rates for immigrants. Rates can be determined by many risk factors and can decrease or increase without notice, so the best company the last time you shopped around may now be one of the more expensive options.
Find the Cheapest Car Insurance for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Progressive | $639 |
| 2 | Utica National | $655 |
| 3 | NC Farm Bureau | $709 |
| 4 | Liberty Mutual | $721 |
| 5 | GEICO | $728 |
| 6 | Penn National | $739 |
| 7 | State Farm | $749 |
| 8 | Titan | $759 |
| 9 | Auto-Owners | $878 |
| 10 | Allied | $901 |
| 11 | Travelers | $909 |
| 12 | National General | $917 |
| 13 | Erie | $922 |
| 14 | Peerless | $972 |
| 15 | Nationwide | $1,001 |
| 16 | Unitrin | $1,032 |
| 17 | MetLife | $1,038 |
| 18 | Allstate | $1,064 |
| 19 | Encompass | $1,073 |
| 20 | Safeco | $1,076 |
| Compare Rates Now Go | ||
Progressive generally has some of the most affordable car insurance rates in Durham at around $639 a year. This is $233 less than the average policy premium paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Liberty Mutual, and GEICO would also make the list of some of the cheapest Durham, NC insurance companies.
As the example above demonstrates, if you are a customer of Utica National and switched to Progressive, you could realize annual savings of about $16. Insureds with NC Farm Bureau may save as much as $70 a year, and Liberty Mutual customers might reduce prices by as much as $82 a year.
Remember that these policy prices are averaged for all drivers and vehicles in North Carolina and do not factor in an exact location for immigrants. So the company that fits your situation best may not even be in the list above. That emphasizes why you need to get rate quotes from many companies using your own personal information and vehicle type.
The make and model of vehicle you are trying to insure is one of the largest considerations when looking for the best cheap auto insurance for immigrants. Vehicles with lower performance, advanced safety features, or a track record of few liability claims will cost much less to insure than adrenaline junky models. The next table showcases auto insurance premiums for a selection of the most cost-effective automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $1,189 |
| Toyota Prius | $1,212 |
| Ford Explorer XLT 2WD | $1,229 |
| Ford Escape XLS 4WD | $1,236 |
| Honda CR-V EX 2WD | $1,245 |
| Chevrolet Impala LS | $1,271 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,321 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,340 |
| Ford F-150 XL Crew Cab 4WD | $1,368 |
| Toyota Camry SE | $1,376 |
| Honda Odyssey EX-L | $1,368 |
| GMC Sierra SL Crew Cab 2WD | $1,392 |
| Chevrolet Malibu LTZ | $1,399 |
| Dodge Grand Caravan SE | $1,392 |
| Volkswagen Jetta 2.0T Station Wagon | $1,413 |
| Chevrolet Equinox LS AWD | $1,458 |
| Toyota RAV4 Sport 4WD | $1,465 |
| Hyundai Sonata SE 4-Dr Sedan | $1,460 |
| Ford Focus SEL 4-Dr Sedan | $1,493 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,495 |
| Compare Cheap Rates Go | |
Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Estimates do not factor in garaging location in Durham, NC which can decrease or increase prices significantly.
Based on these rates, you can assume that models like the Honda Accord, Toyota Prius, Ford Explorer, and Ford Escape are most likely to be some of the cheaper vehicles to insure for foreigners.
The information below illustrates how your deductible choice can raise or lower insurance prices when searching for cheap insurance for immigrants. The data is based on a single female driver, full coverage, and no additional discounts are factored in.
The data above shows that a 30-year-old driver could lower their policy premium by $226 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $340 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could drop their prices as much as $502 or even more by choosing larger deductibles on their policy.
If you do decide to increase your deductibles, it is a good idea to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Buying coverage from the highest-rated car insurance company can be challenging considering how many companies are available to choose from in North Carolina. The information shown next could help you select which companies to look at comparing rates with. These ratings are only comprised of large insurance companies, so companies that have a smaller presence are not factored into the list.
Top 10 Major Car Insurance Companies in Durham 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 Overall in Durham
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Get discounts on Durham insurance
Insurance companies that provide policies for immigrants may also give you rate discounts that could reduce prices by as much as 35% if you are eligible. Popular auto insurance companies and their possible discounts can be read below.
- State Farm offers premium reductions for defensive driving training, student away at school, anti-theft, passive restraint, driver’s education, accident-free, and multiple autos.
- Esurance may include discounts for safety device, online quote, paid-in-full, multi-policy, good student, and multi-car.
- Progressive offers discounts for online quote discount, multi-vehicle, multi-policy, continuous coverage, good student, and homeowner.
- Liberty Mutual policyholders can earn discounts including preferred payment discount, teen driver discount, new move discount, newly married, multi-car, and exclusive group savings.
- Auto-Owners Insurance discounts include safe vehicle, company car, mature driver, paid in full, student away at school, anti-lock brakes, and anti-theft.
- GEICO has savings for seat belt use, air bags, emergency military deployment, anti-theft, membership and employees, defensive driver, and driver training.
The information below illustrates the comparison of insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, no tickets, no at-fault accidents, North Carolina state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, multiple policy, defensive driving course, passive restraint, anti-theft, and marriage discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for immigrants is 28% or $462.
The Durham car insurance agencies listed below are willing to help you decide which coverages you need, as some drivers aren’t sure which coverage they need and prefer to have a professional recommendation when shopping for cheaper insurance for immigrants. It can be hard to find the best rates on your own, and insurance agents licensed in the state of North Carolina can add peace of mind knowing you have enough protection. To locate a Durham auto insurance agent close to where you live, click the button following the list or click here to compare price quotes.
- Debbie Leonard – State Farm Insurance Agent
3702 Hillsborough Rd #2b – Durham, NC 27705 – (919) 383-3887 - Herring and Bickers Insurance
2344 Operations Dr Suite 101 – Durham, NC 27705 – (919) 479-9900 - Allstate Insurance Agent: Michelle Riley
6015 Fayetteville Rd Ste 115 – Durham, NC 27713 – (919) 544-2155 - Reliable Insurance Agency of North Carolina Inc.
3325 Durham-Chapel Hill Blvd #200 – Durham, NC 27707 – (919) 864-9048