How Much Does Car Insurance Cost for Unemployed Drivers in Illinois?

Shopping around for low-priced insurance is tough enough, and determining which company quotes the most affordable auto insurance rates for unemployed drivers may require even more work. Each auto insurer has their own unique process to set policy rates, so first we will examine the auto insurance companies that tend to have lower prices in Illinois.

It’s a good idea to know that Illinois auto insurance rates are impacted by many things that may substantially change the cost of your policy. This price variation is why Illinois drivers need to perform an extensive rate comparison when trying to get cheap car insurance quotes for unemployed drivers. Insurance rates are calculated by many different factors and change dramatically, so the best price a year ago may now be quite expensive.

Best Cheap Insurance Rates for Job Seekers

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The Hartford normally has some of the most affordable car insurance rates in Illinois at around $746 annually. Rockford Mutual, Titan, Cincinnati Insurance, and Erie also qualify as some of the cheapest Illinois auto insurance companies.

As the example above demonstrates, if you have coverage with Rockford Mutual and switched to The Hartford, you could earn a yearly price reduction of upwards of $101. Insureds with Titan might save as much as $106 a year, and Cincinnati Insurance policyholders might see rate reductions of $151 a year.

To find out how much you can save, click here to begin a quote or click several companies below for low rates.

It’s important to note that these policy prices are averaged across all drivers and vehicles in Illinois and do not factor in a price decrease for unemployed drivers. So the company that can offer the best rates for your situation may not even be featured in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

When buying car insurance for the unemployed, one of the key components that determine insurance cost is where your residence is in Illinois. Cities with larger populations or higher claim trends like Cicero, Berwyn, and Des Plaines will most likely have higher rates, whereas less populated areas receive better rates.

The illustration below sorts the highest-priced places in Illinois for unemployed drivers to purchase a policy in.

Rate information is estimated as the specific garaging location can affect coverage rates substantially.

We all have different tastes in cars, and the vehicle needing coverage is probably the biggest factor when shopping around for low-priced car insurance for unemployed drivers. Vehicles with lower performance, a plethora of safety features, or low incidents of liability claims will cost substantially less to insure than high performance models.

The next tables estimates insurance costs for a number of the cheaper automobiles to insure in Illinois.

Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in specific Illinois garaging location which can impact insurance rates greatly.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate quotes do not factor in zip code location which can raise or lower rates substantially.

Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Illinois minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Prices do not factor in specific zip code location which can lower or raise rates noticeably.

Insuring your vehicle with a highly-rated insurance company can be rather challenging considering how many choices drivers have in Illinois. The ranking information below could help you choose which car insurance companies to look at comparing prices from. The rankings below are for large, nationwide insurance companies, so companies that only write business in Illinois or surrounding areas will not be included in the list.

Top 10 Major Car Insurance Companies in Illinois Ranked by Customer Satisfaction

1. USAA – 92%
2. Erie Insurance – 88%
3. American Family – 88%
4. State Farm – 88%
5. Nationwide – 88%
6. 21st Century – 88%
7. AAA Insurance – 87%
8. Liberty Mutual – 87%
9. Farmers Insurance – 87%
10. The Hartford – 87%

Top 10 Major Car Insurance Companies in Illinois Ranked by Customer Service

1. Mercury Insurance
2. Nationwide
3. State Farm
4. Safeco Insurance
5. American Family
6. Titan Insurance
7. Travelers
8. Liberty Mutual
9. GEICO
10. Erie Insurance

Auto insurance rates are higher with tickets and accidents

The recommended way to find cheap auto insurance rates in Illinois for the unemployed is to be a good driver and not receive tickets or have accidents. The illustration below highlights how traffic violations and at-fault collisions can raise car insurance rates for different age categories. The information is based on a married male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

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In the example above, the average cost of car insurance per year with no accidents and a clean driving record is $1,245. Factor in one speeding ticket and the average cost surges to $1,435, an increase of $190 each year. Now throw in one accident along with the one speeding ticket and the annual cost of auto insurance for unemployed drivers jumps again to an average of $1,960. That’s an increase of $715, or $60 per month, just for being a little careless behind the wheel!

Who is cheaper: State Farm, Progressive, Allstate, or Geico?

When it comes to buying car insurance for the unemployed, four of the larger companies to compare rates for are State Farm, Progressive, Allstate, and Geico. All of them have different features and discounts that may affect your buying decision. The following table breaks down pricing and service ratings, as well as optional policy coverages that are available.