The words “cheap” and “auto insurance” really shouldn’t be used together, specifically when looking for the best car insurance rates for unemployed drivers. In an attempt to save some money, let’s open your eyes to a few of the factors that help determine insurance prices, and find some ways to take the sting out of the next policy you buy.
For the unemployed, one of the big things that help determine insurance cost is where your car is garaged in Stockton. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.
The illustration below rates the priciest cities in California for unemployed drivers in which to buy car insurance. Stockton shows up at #7 with an annual cost of $1,603 for the average policyholder, which is around $134 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Stockton | $1,603 |
| 8 | Santa Clarita | $1,595 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Long Beach | $1,562 |
| 12 | Riverside | $1,542 |
| 13 | Fresno | $1,502 |
| 14 | Santa Ana | $1,497 |
| 15 | Moreno Valley | $1,491 |
| 16 | Modesto | $1,487 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | San Diego | $1,381 |
| 20 | Huntington Beach | $1,374 |
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Premium costs are estimated as specific Stockton zip code can raise or lower prices greatly.
Comparing quotes for budget insurance is hard enough, and determining which company has the lowest-priced car insurance rates for unemployed drivers calls for even more diligence.
Every insurance provider has a proprietary formula for establishing rates, so we’ll take a look at the most affordable car insurance companies in California. It’s a good idea to be aware that Stockton car insurance rates are determined by lots of factors which can substantially change your annual premium. Simply having another birthday, having a claim, or getting a few speeding tickets can trigger changes in premium resulting in some rates now being higher-priced than before.
Lowest Insurance Price Quotes for Job Seekers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,513 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Progressive | $1,542 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
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USAA quotes some of the most affordable car insurance rates in Stockton at around $1,143 annually. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA would also make the list of some of the cheaper Stockton, CA auto insurance companies.
As shown above, if you are a customer of Century National and switched to USAA, you could see annual savings of approximately $47. California drivers with Nationwide could save as much as $83 a year, and CSAA insureds might lower prices by $91 a year.
Be aware that those premiums are averages for all ages of drivers and types of vehicles and do not take into consideration an exact location for unemployed drivers. So the company that is best for you may not even be in the top 24 companies in the list above. That is why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
The make and model of vehicle to be insured is one of the biggest factors when consumers are trying to find the most economical insurance for unemployed drivers. Vehicles with reasonable performance levels, a plethora of safety features, or a positive history of liability claims will cost substantially less to insure than high performance models. The data below features insurance rates for a number of the most budget-friendly automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,108 |
| Toyota Prius | $1,203 |
| Dodge Grand Caravan CV | $1,215 |
| Ford Edge Limited 2WD | $1,260 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,269 |
| Chevrolet Equinox LT 2WD | $1,283 |
| Ford F-150 XL Regular Cab 2WD | $1,290 |
| Ford Explorer Eddie Bauer 4WD | $1,309 |
| Toyota Corolla S | $1,350 |
| Honda CR-V EX-L 2WD | $1,364 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,376 |
| Ford Fusion Sport 4-Dr Sedan | $1,384 |
| Nissan Rogue S 2WD | $1,376 |
| GMC Sierra SLE Crew Cab 2WD | $1,386 |
| Ford Focus SE 4-Dr Sedan | $1,444 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices considerably.
Based upon the table data, you can see that makes and models like the Ford Escape, Toyota Prius, Dodge Grand Caravan, Ford Edge, and Volkswagen Jetta are most likely to be some of the cheapest vehicles to insure for the unemployed.
Finding a high-quality insurance provider is hard considering how many companies provide coverage in California. The company ratings listed below can help you analyze which providers you want to consider when shopping car insurance rates for unemployed drivers.
The ratings below are only comprised of large insurance companies, so companies that focus mainly on California business will not be included in the list. To compare prices from many more California auto insurance companies, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Stockton auto insurance
Auto insurance companies that provide policies for unemployed drivers may also provide rate discounts that could potentially reduce rates by 30% or more if you meet specific eligibility requirements. Larger car insurance companies and their possible discounts are:
- Progressive offers premium reductions for online signing, multi-policy, good student, multi-vehicle, and homeowner.
- GEICO offers discounts for daytime running lights, emergency military deployment, multi-policy, military active duty, seat belt use, anti-theft, and membership and employees.
- State Farm may offer discounts for anti-theft, accident-free, defensive driving training, multiple policy, and good driver.
- Esurance discounts include DriveSense, good student, Switch & Save, Pac-12 alumni, and anti-lock brakes.
- The Hartford has discounts for defensive driver, air bag, driver training, good student, anti-theft, bundle, and vehicle fuel type.
The example below shows the comparison of premium costs with and without discounts applied. The premium estimates are based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with safe-driver, multiple vehicle, passive restraint, accident-free, vehicle safety, and defensive driving course discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for unemployed drivers is 28% or $670.
How to find the cheapest insurance for unemployed drivers
It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help you buy cheap car insurance.
- Multi-policy discounts save money
- Vehicles with good safety ratings are usually cheaper to insure
- Drive attentively and avoid accidents
- Increase your credit rating
- Assess whether full coverage is needed
- Comparison shop at least every other year
That last piece of advice is extraordinarily vital, as was noted in this piece. Auto insurance rates vary considerably, so drivers shouldn’t hesitate to switch carriers if a more affordable price is available.
Brand loyalty is great, but it’s not a good idea if that dedication is costing hundreds of dollars a year. Now is a great time to compare prices to find cheaper insurance for unemployed drivers in Stockton.
If you like to get some guidance when buying car insurance for unemployed drivers, the professional agents shown below can help you determine which coverages and limits you need. To find a Stockton insurance agency near you, click the link at the bottom or click here to compare rates now.
- Protection Providers Insurance Agency
304 W Harding Way – Stockton, CA 95204 – (209) 466-1072 - Farmers Insurance – Beatriz Salazar Perez
2111 W March Ln b201 – Stockton, CA 95207 – (209) 463-2302 - Angel Sepulveda – State Farm – Stockton
6838 Pacific Ave – Stockton, CA 95207 – (209) 952-2154 - Dohrmann Insurance Agency, Inc.
3415 Brookside Rd – Stockton, CA 95219 – (209) 478-1400 - Nationwide Insurance: Maffei Ins and Fin Services
2540 Pacific Ave #1 – Stockton, CA 95204 – (209) 957-9433