Cheapest Car Insurance for International Students in USA

I totally get it that you’re looking for the cheapest car insurance here in the US. Of course, we all want to save some money. But, cheap and value are two different things. You may be able to get a super low price, but is it really worth it in the long run? That’s what we’re going to look at right now. We’ll talk about the top cheapest car insurance companies in the US, and I’ll share my personal opinions and some facts about each one to help you decide if the price is really worth it.

Cheapest Car Insurance for International Students in USA

Let’s walk through 10 of them with information that will help you to make a good decision.

1. Liberty Mutual

Liberty Mutual is going through some changes and restructuring a lot of things, which is affecting their prices. They’re offering the bare minimum coverage, which is just personal liability and property damage (that’s what PLPD stands for). This will cost you around $1,090 per year on average. Liberty Mutual the cheapest car insurance for international students coming to the US.

2. Nationwide

Nationwide has been a great company in different states here in the US. However, they can be a bit picky about who they insure. They want to keep things calm and only take on a certain amount of business. So, they’ve implemented some new rules in most states. For example, if you only have one car, you’ll have to pay 70% of your bill upfront.

Nationwide also wants to see proof that you own the car. So you’ll need to hand in your registration. In some cases, they may even ask for photos of your car to make sure there’s no damage. This is pretty rare for an insurance company, but it’s not unheard of.

In the past, people used to commit fraud by saying their car was damaged when it wasn’t, so insurance companies started asking for photos to prove it. In some states, like New Jersey, you used to have to get a special inspection called a Carco inspection, but Nationwide has stopped doing that in some states. Now, you can just send the photos to your local agent.

Nationwide works with independent agencies, unlike Farmers and Liberty Mutual, which are more direct-to-consumer brands. With Farmers and Liberty Mutual, you usually deal with one person who can only quote you prices for their own company and maybe one or two other brands they’re affiliated with. But with Nationwide, their agents typically work with multiple companies, sometimes up to 20 or more, to find you the best deal. So, even if Nationwide’s price isn’t the cheapest, their agents can shop around to find a similar company that might be able to save you some extra money.


USAA used to be the best, but they’ve actually dropped quite a bit in my opinion. I’d put them at number four at this point because they’ve been lacking in customer service. The service has just dropped off – maybe they’re turning around now, I hope so, because they are a good company.

The only problem is that you have to have served in the military or be part of a military family to be part of them. But, if you are part of a military family, you can get in too. The question is, do you want to right now? You decide – call them up, find out if the service levels are good, and maybe it’s a good fit, maybe it’s not. Their prices have gone up a lot, but it’s one of those things – it’s worth a try because they’re not a horrible company. They’re just not the cheapest insurance at this current point. They’re coming in at $487 for the minimum coverage, and $1,829 for the full coverage.

4. Geico Insurance

Geico is not the cheapest insurance out there, but also not a bad company, though. As an international student, however, Geico is actually good for you. They’re one of the best places to go, along with the General or Direct General, which are the two risk-acceptance companies. Geico’s minimum coverage is $462, and $1,955 for the full coverage. The full coverage is actually more expensive, and that’s because it’s lower risk. If you have a newer car, own a home, and have some extra money to spare, you are usually not a high-risk person. You are only trying to protect your assets, whereas the typical Geico customer might not have all that.

They might have just bought a car, haven’t driven much, had some accidents, or even a DUI – things like that. And Geico tends to be a good fit for that. If that sounds like you, your best bet is just to go to and fill out a quote. However, you’ll never have an agent to work with. When you go to Geico or Progressive Direct, part of their savings comes from not having salespeople as agents. They have salespeople who will sell you the policy and give you some tips and tricks, but I don’t know how much I would trust that. Most of the process is done online, and half the time, you’ll find out that Geico doesn’t even want to insure you anyway. And then you’ll have to call an 800 number, write a letter, and jump through all these hoops just to get a quote.

5. AAA (American Automobile Association)

When it comes to technology, AAA is a bit behind in implementing new ideas, and they don’t even offer a 12-month policy anymore – most of their policies are only 6 months long. It’s like they’ve stopped innovating and are just stuck in the past. And to make matters worse, most of the CEOs and people running the company are getting older and should probably be retired. ‘Tripple A’ Insurance has a model where they actually bug you when you’re a customer, so your agents are always coming and going, and no one’s really sticking around.  That’s one of the problems with AAA. They’re not a bad company, though – they’re really good at what they do. They’re just not as great at the insurance part.

But, they do control the pricing, so you have to be careful. They’re coming in at $529 for the minimum coverage, but that doesn’t even include the membership fee, which is usually around $60 to $90 a year. So, let’s just say it’s around $600 for the minimum coverage, and $2,086 plus another $60 or $70 on top of that for the full coverage.  AAA is credit-based, so if you have good credit, you can get a better deal. Just make sure you know who has the better credit when you’re getting a quote from them.

6. Progressive

Progressive wants to be known as a big brand, but they’re really more of a middle-of-the-road brand. Progressive is coming in at $549 for the minimum coverage, which is super inexpensive, and $2,271 for full coverage. What you will love about this insurance company is that they’re always innovating – they want to be ahead of the curve, so they’re always looking to the next step. They’re competitive, and their rates don’t shoot up as much as some other companies. They’ve only gone up about 10 to 15% in the last year, while other companies have gone up 30 to 40%. They’re also one of the largest insurance companies in the US, so you have less risk of the price skyrocketing on you.

The downside is that Progressive is a strict company – not so much when it comes to taking on new business, but when it comes to paying out claims. If you’re buying a policy and you’re thinking, “Oh, they’ll never know about this, and I’m going to claim that gray area,” be careful. They have rules and guidelines against that type of thing, so make sure you read the fine print on that 50-page policy document that nobody likes to read. Progressive says that if you don’t provide accurate information, your coverage could be denied.

They’re very successful with that approach, but once again, you can go through an independent agent or you can go direct. So, you can go to their website yourself, buy it online – which isn’t the greatest way to do it, because now you’re guessing about your coverage – or you can go through an agent, which is usually the same price or cheaper, and now you’ve got that expert advice. They can tell you what’s not covered and what you should or shouldn’t do with that type of policy. Overall, Progressive is a really good company.

7. Travelers

This insurance company is a bit of a mixed bag, depending on the state where you live. In some states, they have a great reputation, while in others, not so much. In a few select states, Travelers doesn’t even offer insurance at all – they’re basically on break. They’re getting pickier about the types of homes they insure, too, so you need to have a newer roof and a newer home to qualify. But when it comes to auto insurance, they can be very competitive. They’re just a bit strict about the types of policies they want to write, similar to Nationwide. Travelers Insurance wants to make sure they’re doing clean business, so they’re not losing money like some other companies have in the last year.

8. Allstate

A lot of people will agree that Allstate is a pretty good company. They’re competitive in some areas, and their home insurance policies are also great. Their auto insurance prices are okay, but not the cheapest. So, if you’re looking for the absolute lowest price, Allstate is not the perfect option.

However, you do need to be careful with them because they’re starting to make some changes to their policies, which has caused their rates to go up a lot in the last few months. They’re also changing the way they do their home policies, so you need to be careful when you’re shopping for insurance with them. Their pricing is $781 for the minimum coverage and $2,438 for full coverage.

9. State Farm

State Farm is really focused on its branding right now, and they’re trying to connect with people through aspects like football. They’re big sponsors of the Kansas City Chiefs, and they’ve got a guy named Jake from State Farm who’s always at the games, promoting their brand. They’re coming in at $718 for the basic minimum coverage, and $2,627 for full coverage, which is still not bad, but there are cheaper options out there that are just as good. State Farm tries to make insurance more fun and relatable. However, they’re also dealing with a lot of lawsuits. This US insurance company is the largest in the industry, but they’re not the cheapest.

10. Farmers Insurance

Farmers Insurance has had some ups and downs in the past. Their reputation has taken a hit, but they’re working hard to turn things around. They’ve actually removed their coverage from some states or reduced it. But, their agents are really pushing to move forward and get more business. The problem is that when companies start to reduce their risk and commissions for their agents, they might start pushing other products, like life insurance, to make up for it. So, if you call a Farmers agent, they might offer you life insurance along with your auto quote. Their minimum coverage insurance is around $1,044 per year, and their full coverage is around $3,295 per year. Not the worst, but not the best either.

There you go with the 10 cheapest insurance companies you will find here in the US. They aren’t exactly as cheap as you might have expected. But comes value, comes price. And this is the price you have to pay to have your vehicle insured.

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