Who Has the Cheapest Auto Insurance Quotes for Unemployed Drivers in California?

The make and model of vehicle you are buying coverage for is one of the biggest factors when comparing quotes for the cheapest auto insurance for unemployed drivers in California. Vehicles with reasonable performance levels, an excellent safety record, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models.

The list below ranks coverage rates for the most affordable automobiles to buy coverage for.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Prices do not factor in vehicle location which can affect price quotes greatly.

By looking at the data, we can assume that vehicles like the Honda Accord, Honda CR-V, Ford Escape, Chevrolet Traverse, and Jeep Grand Cherokee will definitely be the cheapest vehicles to insure for the unemployed.

Deciphering which company offers the lowest-priced auto insurance rates for unemployed drivers will involve more time in order to find a policy that fits your budget. Every insurance provider has a different process to set policy rates, so let’s look at the rankings for the most budget-friendly auto insurance companies in California.

It’s important that you understand California auto insurance rates are based on many factors that can increase the cost of your policy. Improving your credit rating, getting married, or getting a few speeding tickets can trigger rate changes that can now make some companies affordable when they were higher priced.

Find the Cheapest Car Insurance for Job Seekers

Start Your Free Quote

Wawanesa normally has some of the most affordable car insurance rates in California at around $1,146 each year. USAA, Century National, CSAA, and Nationwide are also some of the cheapest California car insurance companies.

In the above rates, if you currently have coverage with Nationwide and switched to USAA, you could see a yearly price reduction of around $95. Drivers with 21st Century might save as much as $183 a year, and Mercury insureds might realize rate reductions of up to $333 a year.

To get a fast rate comparison, click here to get a free quote or feel free to get quotes from the companies below.

Understand that those prices are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a price discount for unemployed drivers. So the insurer that has the cheapest price for you may not even be in the above rate chart. That emphasizes why you need to compare rates from multiple companies using your own individual information.

When shopping for the cheapest insurance for the unemployed, one of the many considerations that affect the cost of insurance is where you live in California. Densely populated urban areas like Glendale, San Francisco, and Sacramento are more likely to pay higher prices, whereas cities that are not as densely populated profit from lower rates.

The illustration below illustrates the most expensive places in California for unemployed drivers to buy an auto insurance policy in.

Rate information is estimated as vehicle location can increase or decrease coverage rates considerably.

Illustration showing the impact of accidents and violations

In a perfect world, the best way to maintain the cheapest auto insurance rates in California for the unemployed is to pay attention while driving and avoid accidents and keep your driving record clean. The chart below highlights how speeding tickets and accidents drive up car insurance rates for each different age group. The premiums are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

In the example above, the average cost of a car insurance policy in California per year with no accidents or violations is $2,161. Factor in one speeding ticket and the average cost swells to $2,450, an increase of $289 each year. Then add in one accident along with the one speeding ticket and the annual cost of auto insurance for unemployed drivers increases to an average of $3,257. That’s an increase of $1,096, or $91 per month, just for not being a responsible driver!

Which auto insurance company is best?

When it comes to auto insurance, the first places to look would be Progressive, State Farm, Allstate, and Geico. All offer your standard physical damage and liability coverages, but each one has a slightly different mix of options and features that may influence your buying decision. The next table rates some of the different features you can expect with each one.