The vehicle on the policy is probably the largest consideration when quoting the cheapest auto insurance for immigrants. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models.
The information below showcases car insurance premiums for some of the cheapest automobiles to insure in Kentucky.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,759|
|Honda CR-V EX 2WD||$1,930|
|Ford Escape XLS 4WD||$1,939|
|Toyota RAV4 Sport 4WD||$2,091|
|Dodge Grand Caravan Hero||$2,097|
|Ford F-150 STX Regular Cab 2WD||$2,118|
|Ford Focus SEL 4-Dr Sedan||$2,163|
|Chevrolet Impala LS||$2,244|
|Volkswagen Jetta S 4-Dr Sedan||$2,289|
|Toyota Camry LE||$2,298|
|Chevrolet Malibu Hybrid||$2,289|
|Jeep Grand Cherokee Laredo 4WD||$2,294|
|Ford Explorer Eddie Bauer 4WD||$2,334|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$2,340|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$2,334|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$2,340|
|Ford Fusion S 4-Dr Sedan||$2,352|
|Nissan Rogue SL AWD||$2,362|
|Chevrolet Equinox LS AWD||$2,352|
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Table data does not factor in your specific Louisville, KY location which can influence coverage rates significantly.
By looking at the data, we can infer that cars like the Honda Accord, Honda CR-V, Ford Escape, and Toyota Prius are most likely going to be a few of the most economical vehicles to insure for foreigners.
One of the many criteria that determine auto insurance rates is the neighborhood you call home in Louisville. Cities with more crime and/or more people will most likely have higher rates, whereas areas with less congestion benefit from lower prices.
The information below ranks the most costly cities in Kentucky for immigrants in which to buy car insurance. Louisville makes the list at #1 with the annual price of $2,154 for coverage, which is about $180 per month.
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Rates are approximated as the specific geographic location can alter coverage rates significantly.
Insurance rate increases from tickets or accidents
A great way to score affordable auto insurance prices for foreigners is to be a safe driver and avoid at-fault accidents and violations. The illustration below highlights how speeding tickets and at-fault fender-benders influence car insurance costs for different ages of insureds. The data is based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
The data above shows the average cost of an auto insurance policy in Kentucky per year with no accidents and a clean driving record is $1,795. Add in one speeding ticket and the average cost jumps to $2,091, an increase of $296 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for immigrants increases to an average of $4,632. That’s an increase of $2,837, or $236 per month, just for not keeping your driving record clean!
The chart below shows how choosing a deductible can increase or decrease premium costs when quoting cheap insurance for immigrants. The premium estimates are based on a married male driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower rates by $354 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $532 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, could drop their prices up to $1,060 every year by using higher deductibles when buying full coverage.
When using a larger deductible, it is essential to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
How to find economical auto insurance for immigrants
Here are many thrifty suggestions that can help you get cheaper coverage.
- Avoid speeding and other traffic citations and pay less
- Higher physical damage deductibles lower rates
- Good credit scores may lower your rates
- Older vehicles may not need full coverage
- Avoid accidents and claims
- Buy vehicles with five-star safety ratings
- Compare rates regularly to ensure the best deal
That last piece of advice is particularly crucial, as was discussed in the prior information. Auto insurance rates fluctuate considerably, so drivers shouldn’t be reluctant to switch to a new company if a lower price can be found. Sticking with a specific company is fine, but it’s not a great idea if that loyalty ends up costing hundreds every year. It only takes a couple minutes to compare rates to find cheaper car insurance for immigrants in Louisville.
The Louisville auto insurance agencies shown below are a good start to help you make a decision which coverage meets your needs best, as lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when comparing insurance rates for immigrants. It can be difficult to find the cheapest rates, and getting advice from a licensed Kentucky insurance agent can provide satisfaction knowing your policy gives you adequate protection.
To find a Louisville insurance agency nearest to you, click the button following the list.
Nationwide Insurance: Jerry Kays Insurance Inc
3701 Taylorsville Rd #1a – Louisville, KY 40220 – (502) 459-0833
Justin Roper – State Farm Insurance Agent
8800 Dixie Hwy b – Louisville, KY 40258 – (502) 271-3211
Nationwide Insurance: Christopher James Parsons Agency
10300 Brookridge Village Blvd Ste 103 – Louisville, KY 40291 – (502) 239-5054
David Franck – State Farm Insurance Agent
8217 Shelbyville Rd – Louisville, KY 40222 – (502) 339-1400