Unemployed Car Insurance Rates

If you are unemployed, car insurance rates will be less because you should be driving less. The average rates for an unemployed driver are $77.50/month.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 15, 2020

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Here's what you need to know...

  • The average car insurance rate for those who are unemployed is around $930 per year
  • Unemployed individuals generally pay less for coverage as they are expected to drive less
  • If you are unemployed and searching for car insurance, compare rates from multiple companies before making a decision


If you are currently unemployed, you can expect to pay about $934.10 a year for your auto insurance.

Of course, this is a national average and your rates may vary considerably depending on your own particular circumstances, but this is a good place to start.

You might be surprised to learn that these rates are considered to be fairly low in terms of the national average.

Part of the reason for this is that, because you aren’t working outside of the home, the expectation is that you will be driving far less than someone who has to drive to an office every day.

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There are many things that you might be denied because you aren’t working, such as a loan. However, there is one thing that you cannot be denied just because you are out of a job, and that is auto insurance.

There are many reasons that you might be out of work. Regardless of your reasons, you have the same option as anyone else to drive a car.

Determining Your Rates

Because the circumstances vary so much from one person to the next, many auto insurance companies are hesitant to apply an average to insurance rates.

Instead, they base your rates on a number of factors including your occupation.

An insurance company that uses occupation as a marker will usually have a starting point that they use to build your quotes.

To that number, companies will add your other risk factors, such as the kind of car you drive, your driving history, your age, and so on.

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In addition, they will then add on the type of coverage you are looking for, including:

The amount of each type of coverage will impact your rates as well.

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Unemployment May Not Have an Impact

Closeup of man signing a contract of car sale.

Despite the fact that some insurance companies are using what you do for a living as a way to determine your rates, many are not.

In these cases, your rates will be determined by your personal driving history, who is driving your car, your age, your gender, and so on.

You need to compare auto insurance rates between companies in order to be sure that you are getting the lowest rate possible for the insurance that you need.

Enter your ZIP code below and receive FREE online auto insurance quotes right now!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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