The make and model of vehicle to be insured is one of the largest factors in finding the most affordable coverage for unemployed drivers. Vehicles with lots of horsepower, poor passenger safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models. The data below ranks insurance premiums for a selection of the most budget-friendly vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $818 |
| Ford Escape XLT 4WD | $839 |
| Toyota Prius | $908 |
| Honda Accord LX 4-Dr Sedan | $941 |
| Ford Focus S 4-Dr Sedan | $950 |
| Honda CR-V EX-L 2WD | $962 |
| Chevrolet Equinox LT 2WD | $970 |
| Chevrolet Malibu Hybrid | $979 |
| Toyota Corolla S | $1,019 |
| Chevrolet Impala LTZ | $1,028 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,038 |
| Ford Fusion SEL 4-Dr Sedan | $1,047 |
| Jeep Grand Cherokee SRT-8 4WD | $1,038 |
| Honda Odyssey Touring | $1,044 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,042 |
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in your specific Bakersfield, CA location which can change coverage prices greatly.
Looking at the rates, we can presume that models like the Hyundai Elantra, Ford Escape, and Toyota Prius will definitely be some of the cheaper vehicles to insure for the unemployed.
Finding good, cheap insurance is hard enough, and deciding which company offers the lowest-priced insurance rates for unemployed drivers may require even more shopping around.
Each insurer uses different criteria to set their prices, so first we will examine the most affordable insurance companies in Bakersfield, CA.
Find the Cheapest Auto Insurance for Job Seekers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,178 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | Allied | $1,541 |
| 11 | Allstate | $1,559 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,733 |
| 16 | Unitrin | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
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USAA may have some of the most affordable car insurance rates in Bakersfield at around $1,109 each year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the best Bakersfield, CA car insurance companies.
As shown in the table above, if you are a customer of CSAA and switched to Wawanesa, you could earn yearly savings of approximately $52. Drivers with Nationwide could save as much as $67 a year, and 21st Century insureds might lower prices by $192 a year.
To find out how your current rates compare, click here to start a quote or visit several of the following companies.
It’s important to note that these premium estimates are averaged across all types of insureds and vehicles and do not take into consideration an exact location for unemployed drivers. So the car insurance company that fits your situation best may not even be in the top 24 companies shown above. That illustrates why you need to get quotes using your own specific driver and vehicle information.
One of the many factors that are looked at to determine the annual cost of car insurance is where you call home in Bakersfield. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The next table shows the most costly cities in California for unemployed drivers to buy car insurance in. Bakersfield is ranked #19 with an annual premium of $1,394 for the average insured, which is approximately $116 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,652 |
| 6 | Stockton | $1,603 |
| 7 | San Bernardino | $1,580 |
| 8 | Fontana | $1,566 |
| 9 | Long Beach | $1,562 |
| 10 | Garden Grove | $1,554 |
| 11 | Moreno Valley | $1,536 |
| 12 | Santa Clarita | $1,533 |
| 13 | Fresno | $1,517 |
| 14 | Santa Ana | $1,497 |
| 15 | Anaheim | $1,488 |
| 16 | Modesto | $1,487 |
| 17 | Riverside | $1,482 |
| 18 | San Jose | $1,395 |
| 19 | Bakersfield | $1,394 |
| 20 | Fremont | $1,389 |
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Table data uses estimated as the specific garaging location can decrease or increase rates substantially.
Responsible drivers pay cheaper Bakersfield insurance rates
In a perfect world, the ideal way to find the most affordable insurance rates in California for the unemployed is to be a cautious driver and have a clean driving record. The information below shows how speeding tickets and at-fault fender-benders can increase insurance premiums for different age groups. The data is based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
The chart shows that the average cost of car insurance in California per year with a clean driving record and no accidents is $2,661. Receive one speeding ticket and the average cost surges to $3,013, an increase of $353 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of insurance for unemployed drivers jumps again to an average of $5,889. That’s an increase of $3,228, or $269 per month, just for being a less-than-perfect driver!
Discounts on Bakersfield auto insurance rates
Insurance providers that sell policies for unemployed drivers may also provide price discounts that can reduce rates by as much as 35% or more if you meet certain criteria. A list of insurance companies and a partial list of their discounts can be found below.
- Progressive offers premium reductions for continuous coverage, multi-vehicle, online quote discount, homeowner, and good student.
- Farmers Insurance has discounts for mature driver, multi-car, switch companies, good student, and homeowner.
- Farm Bureau may have discounts that include driver training, safe driver, good student, 55 and retired, multi-policy, and renewal discount.
- State Farm includes discounts for good driver, Drive Safe & Save, Steer Clear safe driver discount, driver’s education, safe vehicle, good student, and multiple policy.
- GEICO discounts include federal employee, multi-vehicle, defensive driver, anti-lock brakes, anti-theft, and good student.
- SAFECO has savings for drive less, teen safety rewards, accident prevention training, bundle discounts, multi-car, safe driver, and teen safe driver.
- Liberty Mutual offers discounts including newly retired, new move discount, teen driver discount, new vehicle discount, and hybrid vehicle.
The illustration below shows the difference between annual premium costs with and without some available policy discounts. The information is 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 second shows the rates with claim-free, marriage, passive restraint, multiple vehicle, vehicle safety, and safe-driver discounts applied. When drivers qualify for the discounts, theamount saved on insurance for unemployed drivers is 28% or $608.
The illustration below shows how different deductible levels can raise or lower insurance costs when getting quotes for cheap insurance for unemployed drivers. The rate quotes are based on a single female driver, full coverage, and no other discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $350 a year by changing from a $100 deductible up to a $500 deductible, or save $530 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could roll back prices $888 or more by using higher deductibles when buying full coverage. When raising deductibles, it’s a good idea to have enough savings set aside to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
If you aren’t sure which coverage you need and prefer to have some advice when shopping for cheaper insurance for the unemployed, the insurance agencies listed below can help you determine which coverages you need.
To locate a Bakersfield insurance agent close to you, click the button at the bottom of the list or click here to compare price quotes now.
- Tom Smethurst – State Farm Insurance Agent
13061 Rosedale Hwy a – Bakersfield, CA 93314 – (661) 589-1991 - Mike Boyer – State Farm Insurance Agent
9720 Brimhall Rd Ste 200 – Bakersfield, CA 93312 – (661) 588-1140 - Kelli Davis – State Farm Insurance Agent
2665 Calloway Dr #206 – Bakersfield, CA 93312 – (661) 829-1011
More Bakersfield, CA insurance agents
Ideas for finding cheaper car insurance for unemployed drivers
Below you’ll find a few penny-pinching solutions that can help Bakersfield drivers buy lower-cost coverage.
- Buying your home and auto policies from the same company can earn a discount
- Vehicles with good safety ratings are usually cheaper to insure
- Drivers with good credit ratings often pay less
- Avoid accidents and claims
- Full coverage is expensive so only insure older vehicles for liability only
- Shop around and save
That last tip is notably necessary, as was discussed in this write-up. Prices charged by companies change constantly, so don’t hesitate to change to a new company if a lower-cost policy is available.
Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty ends up costing money that could be used for better things. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for unemployed drivers in Bakersfield.