Who Has the Cheapest Bakersfield Auto Insurance for Unemployed Drivers?

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.

Cheapest Vehicles to Insure in Bakersfield, CA
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.

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Cheapest California auto insurance companies
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.

Car insurance prices in Bakersfield
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

Discounts on insurance for unemployed driversInsurance 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.

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.

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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.

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.