Because the topic is car insurance, the word “cheap” shouldn’t be used anywhere in the article. Nonetheless, cheap auto insurance for unemployed drivers is not easy to find. But don’t let that discourage you, because we will tell you how you can still find car insurance that is more affordable than your current policy.
When shopping for the cheapest auto insurance for the unemployed, one of the many factors that impact the cost of insurance is where your residence is in Georgia. Cities with larger populations like East Point, North Atlanta, and Marietta tend to have more expensive auto insurance rates, whereas areas that are not as densely populated have the enjoyment of a little cheaper coverage.
The information below displays the priciest cities in Georgia for unemployed drivers to buy car insurance in.
Rank | City | Annual Rate |
---|---|---|
1 | East Point | $1,480 |
2 | Atlanta | $1,377 |
3 | North Atlanta | $1,310 |
4 | Mableton | $1,293 |
5 | Marietta | $1,279 |
6 | Macon | $1,279 |
7 | Dunwoody | $1,268 |
8 | Sandy Springs | $1,268 |
9 | Smyrna | $1,242 |
10 | Savannah | $1,239 |
11 | Roswell | $1,235 |
12 | Alpharetta | $1,234 |
13 | Columbus | $1,219 |
14 | Peachtree City | $1,204 |
15 | Gainesville | $1,196 |
16 | Augusta | $1,185 |
17 | Rome | $1,182 |
18 | Hinesville | $1,145 |
19 | Albany | $1,142 |
20 | Athens | $1,136 |
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Premium amounts are estimated as the specific area where the vehicle is garaged can modify insurance rates substantially.
The car, truck, or SUV you are seeking coverage for is one of the largest considerations when comparing economical coverage for unemployed drivers. Vehicles with economical engines, good safety features, or a positive history of liability claims will cost less to insure than fast, unsafe models.
The data below features car insurance costs for a selection of the most budget-friendly vehicles to insure in Georgia.
Make, Model, and Trim Level | Estimated Cost for Full Coverage |
---|---|
Honda CR-V LX 2WD | $1,029 |
Ford Explorer XLT AWD | $1,146 |
Toyota Prius | $1,156 |
Ford Escape XLT 2WD | $1,172 |
Toyota RAV4 4WD | $1,217 |
GMC Sierra SLE Regular Cab 2WD | $1,226 |
Chevrolet Equinox LT 2WD | $1,217 |
Volkswagen Jetta SE 2.5 Station Wagon | $1,229 |
Chevrolet Traverse LS AWD | $1,236 |
Subaru Outback 3.6R | $1,245 |
Honda Civic EX 4-Dr Sedan | $1,262 |
Toyota Camry XLE | $1,290 |
Hyundai Sonata GLS 4-Dr Sedan | $1,295 |
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in specific Georgia garaging location which can lower or raise coverage rates substantially.
Based on these rates, you can infer that makes and models like the Honda CR-V, Ford Explorer, and Toyota Prius will definitely be a few of the less-costly vehicles to insure for the unemployed.
If you’re looking for the cheapest auto insurance for the unemployed, the four most popular companies are Geico, Allstate, Progressive, and State Farm. When combined, they have almost 50% of all policies written. The data below rates ratings for price, service, and claims, in additional to some of the optional coverages that policyholders can buy.
Geico | Allstate | Progressive | State Farm | |
---|---|---|---|---|
Number of Discounts | 2nd | 1st | 4th | 3rd |
Overall Price | 1st | 4th | 3rd | 2nd |
Customer Satisfaction | 1st | 2nd | 3rd | 4th |
Handling of Claims | 3rd | 1st | 4th | 2nd |
Percent of U.S. market | 11.4% | 10% | 8.8% | 18.3% |
Customers who recommend | 87% | 86% | 88% | 88% |
New car replacement | No | Yes | No | No |
Roadside assistance | Yes | Yes | Yes | Yes |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Mechnical breakdown | Yes | No | Yes | No |
Accident forgiveness coverage | Yes | Yes | Yes | No |
Rate for vehicle usage | No | Yes | Yes | Yes |
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