Who Has Affordable Car Insurance for Immigrants in Pittsburgh?

The words “affordable” and “insurance” really shouldn’t be used in the same sentence, in particular when searching for the cheapest coverage for immigrants. Because it’s not cheap, let’s familiarize you with some situations that can significantly affect insurance premiums, and come up with some ways to cut the cost of the next policy you buy.

The vehicle model on the policy is a large consideration when shopping for the most economical auto insurance for immigrants. Vehicles with more horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models.

The data below shows coverage premiums for a selection of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Pittsburgh, PA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,139
Chevrolet Impala LS $1,295
Ford Focus S 4-Dr Sedan $1,305
Toyota RAV4 Sport 4WD $1,319
Honda CR-V LX 4WD $1,369
Honda Accord EX 4-Dr Sedan $1,374
Honda Odyssey EX-L W/Rear Entertainment $1,386
Chevrolet Silverado LS Regular Cab 4WD $1,403
Jeep Grand Cherokee Limited 2WD $1,412
GMC Sierra 2500HD SLE Crew Cab 4WD $1,417
Chevrolet Malibu LTZ $1,412
Jeep Wrangler Rubicon 4WD 2-Dr $1,431
GMC Sierra 3500HD SLE Crew Cab 2WD $1,436
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,443
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD $1,506
Ford Fusion S 4-Dr Sedan $1,511
Toyota Camry Hybrid $1,517
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in zip code location which can raise or lower rates considerably.

Looking at the numbers, we can infer that models like the Ford Escape, Chevrolet Impala, and Ford Focus are most likely going to be the most affordable vehicles to insure for foreigners.

One of the many components that determine the price you pay for insurance is where you keep your vehicle in Pittsburgh. Areas with high crime rates or more dense population are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.

The next table sorts the priciest cities in Pennsylvania for immigrants in which to purchase auto insurance. Pittsburgh makes the list at #8 costing $1,095 for coverage, which is approximately $91 monthly.

Car insurance prices in Pittsburgh
Rank City Premium Per Year
1 Philadelphia $1,997
2 Drexel Hill $1,489
3 Levittown $1,407
4 Chester $1,393
5 Norristown $1,281
6 Allentown $1,130
7 Reading $1,099
8 Pittsburgh $1,095
9 Hazleton $1,088
10 Erie $1,082
11 Scranton $1,071
12 Easton $1,069
13 Plum $1,057
14 Wilkes-Barre $1,057
15 New Castle $1,057
16 Bethlehem $1,055
17 Municipality of Monr $1,049
18 Altoona $1,042
19 Harrisburg $1,025
20 Bethel Park $1,019
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Rates are comparative as vehicle location can lower or raise rates considerably.

Discounts on Pittsburgh car insurance

Discounts on insurance for immigrantsInsurance companies that offer quotes for immigrants may also offer rate discounts that could potentially reduce rates by as much as 35% if you meet the requirements. A few popular companies and some of the premium reductions they offer are:

The example below visualizes the comparison of auto insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, defensive driving course, vehicle safety, homeowner, multiple policy, and multiple vehicle discounts applied. When taking advantage of discounts, the average savings per year on insurance for immigrants is 28% or $585.

Impact of citations and accidents on insurance rates

The obvious way to receive affordable insurance prices for foreigners is to be a safe driver and avoid tickets and accidents. The information below demonstrates how traffic citations and accidents can affect annual premium costs for different categories of driver ages. The data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of an auto insurance policy per year with no violations or accidents is $1,480. Add in one speeding ticket and the average cost hikes up to $1,697, an increase of $218 each year. Then include two accidents along with the one speeding ticket and the annual cost of insurance for immigrants jumps again to an average of $3,585. That’s an increase of $2,106, or $175 per month, just for being a careless driver!

The diagram below demonstrates how deductible levels can influence insurance prices when trying to find cheap insurance for immigrants. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.

The data above shows that a 40-year-old driver could cut expenses by $308 a year by increasing from a $100 deductible up to a $500 deductible, or save $466 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could save $1,042 or even more just by choosing larger deductibles.

When raising deductibles, it will be necessary to have enough in a savings account to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to find low-cost car insurance for immigrants

The list below details many thrifty suggestions that can help Pennsylvania drivers get more affordable car insurance.

That last piece of advice is remarkably valuable, as was noted in the prior information. Insurance prices can be changed at any time, so don’t be tentative to change insurance companies if a lower price can be found. Having brand loyalty is commendable, but it’s not a good idea if that inflexibility results in costing you a wad of cash every year. If you have a few minutes, shop around and find cheaper insurance for immigrants in Pittsburgh.