Wouldn't life be great if you could know instantly the one perfect auto insurance company that has the best auto insurance prices for immigrants? It's not that simple, unfortunately, as there are a whole bunch of unknown aspects like if you currently have coverage, if you are a man or woman, and what level of deductibles you need, that all factor into the price you pay. If you keep reading, we will teach you about some of these factors and educate you enough to have a solid foundation to find cheaper car insurance for migrants.

For foreigners, one of the big components that are looked at to help calculate the cost of insurance is where your residence is in Florida. Areas with high crime rates or more dense population like Hialeah, Miami, and Hollywood tend to have higher rates, whereas areas that tend to be more rural benefit from lower coverage costs.

The information below ranks the priciest cities in Florida for immigrants to buy an auto insurance policy in.

Florida cities ranked by car insurance cost
Rank City Premium Per Year
1 Hialeah $3,630
2 Miami Gardens $3,149
3 Miami $3,145
4 Miami Beach $2,953
5 Hollywood $2,630
6 West Palm Beach $2,625
7 Tampa $2,610
8 Miramar $2,603
9 Pompano Beach $2,595
10 Coral Springs $2,574
11 Fort Lauderdale $2,550
12 Pembroke Pines $2,505
13 Davie $2,448
14 Brandon $2,368
15 St. Petersburg $2,196
16 Clearwater $2,194
17 Orlando $2,090
18 Spring Hill $2,039
19 Jacksonville $1,960
20 Port St. Lucie $1,935
21 Lakeland $1,883
22 Cape Coral $1,841
23 Palm Bay $1,786
24 Tallahassee $1,731
25 Gainesville $1,680
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Table data uses estimated as the specific Florida residence address can alter auto insurance rates considerably.

Comparing rates for low-cost insurance is not always easy, and figuring out which companies quote the best auto insurance rates for immigrants in Florida takes even more rate comparisons. Each auto insurer has their own unique process for determining rates, so we'll take a look at the auto insurance companies with the most affordable rates in Florida.

Best Auto Insurance Prices for Migrants

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Florida car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $977
2 Electric $1,712
3 Amica $1,746
4 Progressive $1,847
5 Mercury $1,914
6 Travelers $1,926
7 Allied $1,926
8 Esurance $2,020
9 GEICO $2,108
10 State Farm $2,131
11 Auto-Owners $2,149
12 Allstate $2,388
13 21st Century $2,397
14 Windhaven Insurance $2,653
15 MetLife $2,900
16 Hanover $2,964
17 Safeco $2,987
18 Liberty Mutual $3,101
19 United Automobile $3,422
20 Direct General $4,062
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USAA may have some of the cheapest car insurance rates in Florida at around $977 each year. This is $1,471 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Mercury also qualify as some of the lowest-priced Florida insurance companies.

In the above rates, if you are currently insured with Progressive and switched to USAA, you could realize yearly savings of in the neighborhood of $870. Insureds with Mercury could save as much as $937 a year, and Travelers policyholders might reduce prices by as much as $949 a year.

Be aware that those prices are averages for all drivers and vehicles in Florida and and are not figured with a rate discount for immigrants. So the insurer that can offer you the best rate may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The illustration below illustrates how your deductible choice can increase or decrease premium costs when getting quotes for cheap insurance for immigrants in Florida. The data assumes a single female driver, full physical damage coverage, and no discounts are factored in.

In the chart above, a 30-year-old driver could lower their car insurance rates by $378 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $572 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could possibly save $838 annually just by choosing higher deductibles when buying full coverage. When increasing deductibles, it will be required to have enough savings to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Insuring your vehicle with the top car insurance company can be challenging considering how many companies there are in Florida. The company rank data shown next could help you analyze which providers to look at shopping prices with. These ratings only include companies that write coverage in many states, so companies that focus mainly on Florida business are not taken into consideration for this list.

Top 10 Major Car Insurance Companies in Florida Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

How to find more affordable car insurance for immigrants

The list below summarizes some of the better money-saving suggestions that can help drivers find lower-cost coverage.

The last idea is extremely critical, as we discussed in the prior article. Prices charged by auto insurers vary greatly, so don't be tentative to change insurance companies if you find a cheaper price. Having brand loyalty is commendable, but it's not a great idea if that stubbornness costs you thousands of dollars over several years. Now is a great time to shop around and find cheaper auto insurance for immigrants.