Who Has Cheap Auto Insurance Rates for Unemployed Drivers in Stockton?

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.

How much does car insurance cost in Stockton, CA?
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

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California auto insurance company rankings
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.

Cheapest Vehicles to Insure in Stockton, CA
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.

Best 15 Car 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

How to get discounts on Stockton auto insurance

Discounts on car insurance for unemployed driversAuto 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:

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.

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.

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