Affordable Car Insurance Options For Unemployed Drivers

Losing a job is stressful, and car insurance is one more bill to manage. Even so, most states require drivers to carry at least a minimum amount of liability insurance, and driving without it can lead to fines or other penalties. The good news is that there are practical ways to keep your coverage while keeping costs under control.

Some insurers take employment status into account when they set rates, while others do not. Comparing several quotes is the easiest way to find out which companies suit your situation.

Can You Get Car Insurance If You Are Unemployed?

Yes. Being unemployed does not stop you from buying a policy. Insurers mainly look at your driving record, age, location, vehicle and the coverage you want. Many also offer monthly payment plans, which can make it easier to budget when your income is uncertain.

If you drive less than you used to, tell the insurer. Fewer miles can sometimes help your rate.

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Ways To Keep Your Premium Manageable

Compare quotes
Prices vary a lot between companies, so compare at least a few before you choose.
Pay monthly
Spreading the cost over monthly payments can be easier than paying a large amount at once.
Review your coverage
On an older car, check whether full coverage is still worth the cost, but always keep your state required minimum.
Ask about discounts
Low mileage, safe driver and other discounts may apply to you.

Smart Steps To Take

Check your state minimum: Make sure your policy meets your state requirements before reducing any coverage.
Consider a higher deductible: A higher deductible can lower your premium, but only choose one you could afford to pay if you had to make a claim.
Look at usage based options: If you drive only occasionally, a program that rates you on your actual driving may suit you.
Ask about household policies: In some cases you may be able to be added to a family member’s policy, depending on the insurer and your situation.

What To Avoid

Letting your coverage lapse, as gaps can lead to higher prices later and may result in penalties.
Choosing a policy only for its low price without checking what it covers.
Skipping payments. Missed payments can cancel your policy.

Get Free Quotes Online

Use our online form to compare quotes from different providers. Look at the coverage, deductible and payment plan for each one, and pick the option that fits your budget. Contact an insurer or licensed agent directly if you have questions about your state requirements.