How Much Does Auto Insurance Cost for Unemployed Drivers in West Virginia?

Figuring out which companies quote the most affordable car insurance rates for unemployed drivers involves a little more work than just comparing a company or two. Each insurer has a unique approach to establish rates, so let’s look at the rankings for the overall cheapest car insurance companies in West Virginia.

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Erie has some of the lowest car insurance rates in West Virginia at around $931 a year. The Hartford, State Auto, Westfield, and USAA also make the cut as some of the lowest-priced West Virginia car insurance companies.

As the example above demonstrates, if you currently have coverage with USAA and switched to The Hartford, you could earn an annual savings of around $295. Insureds with State Farm may save as much as $490 a year, and Nationwide customers might reduce prices by as much as $518 a year.

It’s important to note that these rates are averages across all types of drivers and the different vehicles they drive and do not factor in a price decrease for unemployed drivers. So the car insurance company that is most affordable for your situation may not even be featured in the list of companies shown earlier. That points out the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The vehicle model driven is one of the largest considerations when consumers are trying to find the best car insurance for unemployed drivers. Vehicles with lower acceleration and performance, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models. The next table illustrates car insurance costs for some of the cheaper vehicles to buy coverage for.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in specific location which can alter coverage rates considerably.

Looking at the rates, we can expect cars like the Honda Accord, Chevrolet Traverse, Ford Escape, and Toyota Prius are likely to be some of the cheaper vehicles to insure for the unemployed.

For the unemployed, one of the largest considerations that help determine the price of your policy is the neighborhood you call home in West Virginia. Cities that have higher claim levels or more people like Princeton, Bluefield, and Pea Ridge tend to pay higher rates, whereas more rural areas generally have lower rates.

The information below ranks the most expensive cities in West Virginia for unemployed drivers to purchase car insurance in.

Prices are estimated as specific West Virginia zip code can affect coverage prices noticeably.

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

If you want reliable car insurance for the unemployed in West Virginia, the four most popular companies are State Farm, Geico, Allstate, and Progressive. The following table shows ratings for price, service, and claims, in additional to some of the optional coverages you can buy with each company.