Carrier vs. Carrier Comparisons
The best car insurance companies for immigrants are Geico, State Farm, and Progressive. These top providers offer competitive rates and tailored policies to meet the unique needs of immigrants driving in the U.S.
Geico stands out for its affordability and user-friendly digital tools, while State Farm excels with personalized service from a wide network of local agents.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | 25% | A++ | Affordable Coverage | Geico |
 |
#2 | 17% | B | Customer Service | State Farm |
 |
#3 | 15% | A+ | High-Risk Drivers | Progressive |
 |
#4 | 10% | A+ | Personalized Coverage | Allstate |
 |
#5 | 25% | A++ | Military Discounts | USAA |
 |
#6 | 20% | A+ | Policy Customization | Nationwide |
 |
#7 | 15% | A | Signal App | Farmers |
 |
#8 | 12% | A | Accident Forgiveness | Liberty Mutual |
 |
#9 | 29% | A | KnowYourDrive Program | American Family |
 |
#10 | 13% | A++ | Electric Vehicles | Travelers |
Progressive is known for its flexible coverage options and innovative pricing tools. Whether you're seeking comprehensive coverage or budget-friendly rates, these companies provide excellent car insurance for immigrants.
Ready to shop around for the best car insurance company near you? Enter your ZIP code above and see which one offers the coverage you need.
What You Should Know
- Geico offers minimum coverage for immigrants at $35/month
- Look for car insurance with multilingual support for better communication
- Consider providers with flexible documentation requirements for immigrants
#1 – Geico: Top Pick Overall
Pros
- Generous Bundling Discount: Geico’s 25% bundling discount makes it one of the best car insurance companies for immigrants who want to save by combining policies.
- Affordable Coverage Options: Geico offers affordable coverage, making it a great choice for immigrants looking for budget-friendly car insurance.
- User-Friendly Tools: Geico’s user-friendly app and website make it easy for immigrants to manage policies and file a car insurance claim.
Cons
- Customer Service Limitations: Geico offers affordable car insurance rates for immigrants, but customer service challenges affect its ranking.
- Limited Policy Customization: Geico's limited policy customization may not be ideal for immigrants seeking more flexible car insurance options.
#2 – State Farm: Best Customer Service
Pros
- Exceptional Customer Service: State Farm's excellent customer service makes it a top pick for the best car insurance companies for immigrants.
- Wide Coverage Options: State Farm provides tailored car insurance coverage for immigrants. Check our State Farm review for details.
- Local Agent Network: State Farm's local agents offer personalized support for immigrants driving in the U.S.
Cons
- Lower Bundling Discount: State Farm’s 17% bundling discount may not offer as much savings for immigrants compared to other best car insurance companies.
- Average Technology Features: Immigrants may find State Farm's tech less advanced than other car insurance companies for immigrants.
#3 – Progressive: Best for High-Risk Drivers
Pros
- Diverse Discounts for High-Risk Drivers: According to our Progressive review, it's a top choice for immigrants with less-than-perfect driving records.
- Snapshot Program for Savings: Progressive’s usage-based Snapshot program is ideal for immigrants looking for car insurance companies that reward safe driving habits.
- Easy Digital Experience: Progressive's easy-to-use website and app make it a top choice for immigrants seeking hassle-free car insurance.
Cons
- Premium Variability: Progressive’s car insurance premiums for immigrants can fluctuate, making it less consistent than other companies.
- Inconsistent Customer Service: Progressive’s customer service for immigrants can be hit-or-miss.
#4 – Allstate: Best for Personalized Coverage
Pros
- Customizable Policies: Allstate provides tailored policy options for immigrants who need U.S. car insurance.
- Comprehensive Agent Support: Allstate’s broad agent network offers personalized help for immigrants shopping for car insurance.
- Claim Satisfaction Guarantee: Allstate’s claim satisfaction guarantee makes it a top choice for immigrants. See more details on our Allstate review.
Cons
- Lower Bundling Discount: Allstate’s 10% bundling discount is less competitive compared to other best car insurance companies for immigrants.
- Higher Premiums: Allstate’s higher premiums make it harder to find cheap car insurance for immigrants and expats.
#5 – USAA: Best for Immigrants in the Military
Pros
- Military-Focused Coverage: USAA stands out as one of the best car insurance companies for immigrants, particularly military families. Read more in our USAA review.
- Generous Bundling Discount: USAA’s 25% bundling discount makes it a top choice among the best car insurance companies for immigrants.
- High Customer Satisfaction: USAA ranks high for customer satisfaction, making it a top choice for immigrants looking for the best car insurance.
Cons
- Restricted Eligibility: USAA car insurance for immigrants is only available to military families.
- Fewer Physical Locations: USAA lacks in-person agent support for immigrants who may prefer hands-on service.
#6 – Nationwide: Best for Policy Customization
Pros
- Customizable Policies: Nationwide provides adaptable car insurance, perfect for immigrants seeking customizable coverage. Learn more in our Nationwide review.
- Vanishing Deductible Program: Nationwide’s vanishing deductible makes it a top choice for immigrants seeking long-term savings.
- Strong Digital Tools: Nationwide’s digital insurance platform makes it a top choice for tech-savvy immigrants.
Cons
- Limited Discount Offers: Nationwide’s 20% bundling discount may not offer as much savings for immigrants compared to other best car insurance companies.
- Price Variability: Some immigrants may experience fluctuating car insurance premiums.
#7 – Farmers: Best for Signal App
Pros
- Signal App for Safe Driving: The Farmers Signal app rewards safe driving with car insurance discounts for immigrants.
- Wide Coverage Options: Farmers offers customizable coverage options, making it a top choice for immigrants seeking personalized car insurance.
- Local Agent Support: Farmers' broad agent network offers personalized support, making it great for immigrants. Find out more in our Farmers review.
Cons
- Lower Bundling Discount: Farmers’ 15% bundling discount might not be enough for immigrants seeking maximum savings from the best car insurance companies.
- Premium Variability: Farmers’ pricing can fluctuate, which may not make it the most predictable option for immigrants seeking the best car insurance companies.
#8 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Flexible Coverage Options: Liberty Mutual provides customizable auto insurance policies for immigrants.
- Accident Forgiveness Program: Liberty Mutual accident forgiveness is perfect for locking in affordable car insurance rates for immigrants.
- Convenient Mobile App: Liberty Mutual's app simplifies policy management for immigrants, making it a top choice for ease of use.
Cons
- Lower Bundling Discount: Liberty Mutual’s 12% bundling discount may not provide as much savings compared to other insurance companies for immigrants.
- Claims Process Complaints: Liberty Mutual’s claims handling has been criticized by immigrants. See more in our Liberty Mutual review.
#9 – American Family: Best for KnowYourDrive App
Pros
- KnowYourDrive Program: American Family’s KnowYourDrive program provides usage-based discounts, ideal for immigrants seeking the best car insurance companies.
- Extensive Coverage Options: AmFam’s diverse coverage options make it a top choice for immigrants. Get full details in our American Family review.
- Generous Bundling Discount: With a 29% bundling discount, American Family stands out as one of the best car insurance companies for immigrants.
Cons
- Limited Availability: AmFam isn’t available in every state, which could make it less accessible for immigrants looking for the best car insurance companies in their area.
- Lagging Technology: American Family’s app and digital tools may lag behind those of other top auto insurance companies for immigrants.
#10 – Travelers: Best for Electric Vehicles
Pros
- Comprehensive Coverage Options: Travelers offers a wide range of coverage, making it one of the best car insurance companies for immigrants seeking full protection.
- Green Car Discount: Travelers offers a green car discount for eco-friendly vehicles, making it one of the best car insurance companies for immigrants who drive EVs.
- Solid Financial Strength: Travelers' A++ financial rating makes it a top pick for immigrants filing car insurance claims. Unlock details in our Travelers review.
Cons
- Average Customer Service: Travelers’ customer service has mixed reviews, which may deter immigrants looking for the best car insurance companies with top-notch service.
- Fewer Local Agents: Travelers has fewer in-person agents, which might be a downside for immigrants buying car insurance.
Factors Influencing Car Insurance Rates for Immigrants
Finding affordable car insurance as an immigrant can be tricky, but most of the best providers have competitive rates with several discounts. Below are our top ten insurance companies' minimum and full coverage rates.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
|
$46 | $139 |
|
$39 | $120 |
|
$49 | $134 |
|
$35 | $100 |
|
$48 | $137 |
|
$47 | $128 |
|
$42 | $133 |
|
$41 | $124 |
|
$50 | $135 |
|
$36 | $100 |
Geico is the most affordable by a landslide. This company charges $35 per month for minimum coverage and $100 a month for full coverage.
In contrast, the most expensive option is Liberty Mutual; minimum coverage costs $48, while full coverage costs $137.
Several key factors influence auto insurance rates for immigrants. Legal status can impact coverage options, and having a continuous insurance history, even from another country, can keep rates low.
Driving history has the most significant impact rates, with a need for more local experience often leading to higher premiums. The make and model of vehicle also affects the insurance costs.
Managing Car Insurance Costs for Immigrants
For immigrants who want to minimize their auto insurance premiums, many discounts are being given to cut the rate of the premiums.
| Insurance Company | Available Discount |
|---|---|
|
Safe Driver, Bundling, New Car, Smart Student, Anti-Theft Device, Early Signing |
|
Loyalty, Bundling, Low Mileage, Defensive Driving Course, Good Driver |
|
Good Student, Bundling, Alternative Fuel, New Car, Safe Driver, Anti-Theft |
|
Defensive Driving, Good Driver, Bundling, Vehicle Safety, Military, New Vehicle |
|
Bundling, Good Student, Military, Hybrid Vehicle, Safe Driver |
|
Bundling, Accident-Free, Defensive Driving, Good Student, Anti-Theft, Paperless Billing |
|
Safe Driver, Bundling, Pay-in-Full, Good Student, Continuous Insurance |
|
Good Driver, Bundling, Good Student, Defensive Driving, Safe Vehicle, Vehicle Safety, Accident-Free |
|
Bundling, Safe Driver, Hybrid Vehicle, Home Ownership, Good Student |
|
Safe Driver, Bundling, Good Student, New Vehicle, Loyalty, Defensive Driving |
These savings could be attributed to defensive driving, good student academic performance, and long-term loyalty. Discounts apply to new vehicles, hybrid/electric models, and bundling policies.
The added advantages include an accident-free history and going paperless in billing, which also translates to lower insurance costs for immigrants.
Car Insurance Coverage Options for Immigrants
Choosing the right auto insurance is crucial for immigrants as coverage requirements vary depending on where you live. Most states require the following types of car insurance:
- Liability Insurance: Most states require liability car insurance, which provides bodily injury and property damage liability to pay for damages you cause in a collision.
- Collision Coverage: This policy helps pay for damage to your own vehicle resulting from a collision, regardless of who is at fault.
- Comprehensive Coverage: This type covers damage to your vehicle not related to a collision, such as theft, vandalism, natural disasters, or animal strikes.
- Uninsured/Underinsured Motorist Coverage: Some states require this to pay for damages caused in an accident with a driver who either lacks insurance or has insufficient coverage.
- Personal Injury Protection (PIP): PIP covers medical expenses and lost wages for you and your passengers after an accident, regardless of fault, and is required in states with no-fault insurance laws.
Ensuring that you have the proper coverage is not only a legal requirement but also a key component in protecting your finances. Insurance shields you from the costs associated with accidents, theft, and collision damage.
A good insurance policy also helps establish a clean driving record from the start, which can help you secure affordable rates and demonstrate responsibility as a driver.
The Best Car Insurance Companies for Immigrants
Geico, State Farm, and Progressive are the best car insurance companies for immigrants seeking affordable coverage. Geico excels with low rates and user-friendly tools.
Car insurance rates for immigrants are influenced by factors like driving history and credit score. Understanding your car insurance coverage options can help you find the right policy.
Enter your ZIP code below to compare cheap auto insurance quotes near you.
Frequently Asked Questions
What are the best car insurance companies for immigrants?
The best car insurance companies for immigrants are Geico, State Farm, and Progressive.
Can a non-U.S. citizen get car insurance?
Yes, immigrants and expats living and driving in the United States can buy local car insurance with proper identification and proof of residency.
Don’t let high insurance costs stand in your way. Enter your ZIP code below to compare affordable rates from the best car insurance companies for immigrants.
Can immigrants get car insurance without a Social Security number?
Immigrants can get car insurance without a Social Security number if they have a Green Card or can provide another proof of residency.
How do insurers calculate car insurance rates for immigrants?
The top car insurance providers for immigrants determine premiums based on factors like driving history, location, and vehicle type, emphasizing what is considered a clean driving record.
Are there car insurance discounts for immigrants available?
Yes, some of the best car insurance companies for immigrants offer discounts, such as safe driver discounts or multi-policy discounts.
Which type of car insurance is the cheapest for immigrants driving in the U.S.?
Typically, state minimum liability insurance coverage is the cheapest auto insurance for immigrants.
Do the best car insurance companies for immigrants require a U.S. driver's license?
Some of the best car insurance companies for immigrants may not require a U.S. driver's license. Insurers like Geico and Progressive sometimes allow foreign driver's licenses or international driving permits, making it easier for new arrivals to secure coverage.
Can I get affordable car insurance for immigrants without a credit history?
Yes, some car insurance companies don't check credit scores when setting rates, and some states have banned the practice. Learn how credit score affects insurance premiums to get the cheapest coverage.
Is car insurance more expensive for immigrants?
Auto insurance rates for immigrants will be higher if you have a history of accidents or claims, but safe drivers can usually find competitive rates.
Explore your auto insurance options with the best car insurance companies for immigrants by entering your ZIP code into our free comparison tool below today.
What documents do I need to apply for car insurance for immigrants?
You need identification (such as a passport), proof of residency, and a driving history to buy car insurance as an immigrant. Companies like Allstate and Progressive may accept international documents, making it easier to get coverage.