The type of vehicle requiring insurance is one of the biggest factors when comparing quotes for low-priced car insurance for unemployed drivers. Vehicles with lower performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models. The next table outlines car insurance costs for some of the most affordable vehicles to insure.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,009|
|Ford F-150 XL Regular Cab 4WD||$1,109|
|Honda CR-V LX 4WD||$1,129|
|Honda Accord LX 4-Dr Sedan||$1,136|
|Hyundai Elantra GLS Touring Station Wagon||$1,129|
|Chevrolet Impala LS||$1,147|
|Chevrolet Malibu LT||$1,192|
|Dodge Grand Caravan Crew||$1,198|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,210|
|Ford Edge Sport AWD||$1,230|
|Toyota Tacoma X-Runner 2WD||$1,235|
|Volkswagen Jetta SE 4-Dr Sedan||$1,253|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$1,276|
|Toyota RAV4 2WD||$1,341|
|Toyota Camry LE||$1,346|
|Ford F-350 XLT Crew Cab Cabela Turbo Diesel 2WD||$1,359|
|Ford Focus SEL 4-Dr Sedan||$1,386|
|Honda Odyssey EX-L W/Navigation||$1,411|
|Honda Civic LX 2-Dr Coupe||$1,431|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,438|
|Chevrolet Silverado LS Crew Cab 4WD||$1,448|
|Ford Explorer Limited AWD||$1,465|
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.
Based upon the rates shown, you can infer that cars like the Ford Escape, Ford F-150, and Honda CR-V will definitely be the less-costly vehicles to insure for the unemployed.
For the unemployed, one of the largest factors that determine auto insurance rates is your zip code in Fresno. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas less populated areas get the luxury of paying less.
The following table sorts the most expensive places in California for unemployed drivers in which to purchase auto insurance. Fresno comes in at #17 with the annual price of $1,457 for the average insured, which is about $121 per month.
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Premium costs are comparative as specific location information can alter premium rates significantly.
Choosing a highly-rated company can be rather challenging considering how many different companies sell coverage in California. The company ratings listed below can help you decide which insurers you want to consider comparing price quotes from. These ratings are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies that have a smaller presence are not included in these rankings.
Top 10 Large Auto Insurance Providers in Fresno Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Large Auto Insurance Providers in Fresno Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Full coverage versus liability only rates
Lowering the price of auto insurance is important to the majority of people, and a good way to find cheap insurance for unemployed drivers is to only buy liability coverage. The illustration below shows the difference between insurance premiums when comparing full coverage to liability only. The prices are based on no claims or violations, $500 deductibles, single status, and no discounts are applied to the premium.
As an overall average, physical damage coverage on your policy costs $2,772 per year over and above liability coverage. At some point, about every driver wonders if paying for full coverage is a waste of money. There is no definitive rule of when to drop comp and collision coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
There are some conditions where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.
The information below illustrates how your deductible choice can change premium costs when getting quotes for cheap insurance for unemployed drivers. The prices are based on a single male driver, full coverage, and no discounts are applied.
The data above shows that a 30-year-old driver could lower their policy premium by $488 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $736 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, can save as much as $1,432 or even more by using higher deductibles when buying full coverage. If you do raise deductibles, it is necessary to have additional funds squirreled away to be able to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
The agents below can probably answer your questions and help you decide which coverage meets your needs best, as many people would rather have a professional recommendation when buying car insurance for unemployed drivers. It can be difficult to find the best coverage yourself, and getting advice from a licensed agent can give you satisfaction knowing you have adequate protection in the event of a claim. To locate an agency near you, click the button after the list.
- California A1 Stars Insurance Solutions
1589 W Shaw Ave #13 – Fresno, CA 93711 – (559) 412-2957
- Karen Barry-Ennis – State Farm Insurance Agent
1205 E Olive Ave – Fresno, CA 93728 – (559) 268-7431
- Avakian Insurance Services, Inc.
1274 W Hedges Ave – Fresno, CA 93728 – (559) 268-7386