Who Has Cheap Auto Insurance for Unemployed Drivers in Los Angeles?

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This article would sure be shorter if we could simply tell you the single company that has the lowest rates in California. Regrettably, it's not quite that easy, as there are a ton of unknown elements like if you have ever had a coverage lapse, the vehicle you drive, and your date of birth, that help determine the price you have to pay. We will try to cover the best ways to avoid high prices and will hopefully give the reader a good start in finding the cheapest insurance.

The vehicle model needing coverage is a large consideration when looking for the best cheap insurance for unemployed drivers. Vehicles with more horsepower, a lack of advanced safety features, or a history of substantial liability claims will cost significantly more to insure than safer, lower-performance models. The next list presents insurance prices for a handful of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Los Angeles, CA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,001
Ford Escape XLT 2WD $2,296
Ford Edge SE AWD $2,322
Ford Focus S 4-Dr Sedan $2,328
Dodge Grand Caravan Hero $2,367
Toyota Corolla XRS $2,537
Chevrolet Silverado LT Crew Cab 4WD $2,545
Toyota Prius $2,541
Ford F-150 XL Crew Cab 4WD $2,624
Chevrolet Impala LS $2,663
Kia Optima SX $2,711
Toyota Camry Hybrid $2,719
Jeep Grand Cherokee Laredo 2WD $2,714
Chevrolet Equinox LT 2WD $2,722
Volkswagen Jetta LE 4-Dr Sedan $2,714
Ford F-350 XLT Crew Cab Cabela Turbo Diesel 2WD $2,753
Dodge Ram 2500 Crew Cab Laramie 4WD $2,759
Ford Explorer Limited AWD $2,765
Toyota Tacoma X-Runner 2WD $2,859
Hyundai Elantra SE 4-Dr Sedan $2,865
Ford F-250 Lariat Super Cab 2WD $2,881
Dodge Ram Quad Cab Laramie 4WD $2,888
Toyota RAV4 Limited 4WD $2,900
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Data rating is 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 multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in vehicle garaging location which can change insurance rates greatly.

Looking at the rates, we can assume that vehicles like the Honda CR-V, Ford Escape, Ford Edge, and Ford Focus will be a few of the cheapest vehicles to insure for the unemployed.

One of the many criteria that aid in calculating insurance cost is where you keep your vehicle in Los Angeles. Larger areas tend to pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower prices.

The table below shows the most expensive places in California for unemployed drivers to buy an auto insurance policy in. Los Angeles shows up at #1 with an annual cost of $2,146 on average, which is around $179 monthly.

How much is auto insurance in Los Angeles, CA?
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,079
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,669
6 San Bernardino $1,644
7 Long Beach $1,626
8 Stockton $1,588
9 Garden Grove $1,570
10 Santa Clarita $1,548
11 Riverside $1,542
12 Moreno Valley $1,536
13 Fontana $1,519
14 Fresno $1,502
15 Anaheim $1,488
16 Modesto $1,487
17 Santa Ana $1,483
18 San Jose $1,437
19 San Diego $1,368
20 Fremont $1,361
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Table data uses comparative as specific Los Angeles zip code can revise insurance rates noticeably.

The diagram below shows how choosing a deductible can affect yearly insurance costs when trying to find cheap insurance for unemployed drivers. The costs are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

A 30-year-old driver could lower their policy premium by $460 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $692 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old, could possibly save as much as $1,398 or more just by choosing higher deductibles when buying full coverage.

When raising deductibles, it is necessary to have plenty of discretionary funds to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Picking a highly-rated car insurance company can be difficult considering how many companies sell insurance in California. The company ratings in the next section can help you choose which providers to look at comparing rates with.

The rankings below include large, nationwide insurance companies, so companies that only write business in California or surrounding areas are not included in the list. To compare prices from the most competitive companies in California, click here.

Top 15 Auto Insurance Companies for Unemployed Drivers in California
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
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Data Source: Insure.com Best Car Insurance Companies

Tips for finding low-cost insurance for unemployed drivers

The list below shows many thrifty suggestions that can help California drivers quote cheaper coverage.

The last tip is remarkably necessary, as we stressed in this write-up. Auto insurance prices in Los Angeles change constantly, so don't be tentative to switch to a new company if a lower price can be found.

Having a favorite company is fine, but is isn't recommended if that faithfulness ends up costing you money that could be spent on other things. It only take a few minutes to shop around to find cheaper auto insurance for unemployed drivers.