The vehicle model requiring insurance is a significant factor when shopping around for the most economical coverage for unemployed drivers. Vehicles with more horsepower, a lack of modern safety features, or a history of substantial liability claims will cost substantially more to insure than safer models. The data below features coverage prices for the most budget-friendly vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,281 |
| Honda Accord LX 4-Dr Sedan | $1,290 |
| Honda CR-V LX 2WD | $1,404 |
| Ford Edge SEL 2WD | $1,488 |
| Jeep Grand Cherokee Laredo 2WD | $1,519 |
| Chevrolet Impala LT | $1,525 |
| Dodge Grand Caravan Crew | $1,547 |
| Honda Civic LX-S 4-Dr Sedan | $1,570 |
| Ford Explorer XLT AWD | $1,580 |
| Ford F-150 XL Super Cab 4WD | $1,570 |
| Toyota Prius | $1,606 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,629 |
| Chevrolet Malibu LTZ | $1,637 |
| Chevrolet Equinox LTZ AWD | $1,629 |
| Ford Focus SE 4-Dr Sedan | $1,635 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,629 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,639 |
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Information does not factor in Mesa, AZ location which can increase or decrease premium rates greatly.
Based upon the rates shown, cars like the Ford Escape, Honda Accord, Honda CR-V, Ford Edge, and Jeep Grand Cherokee are most likely to be the most economical vehicles to insure for the unemployed.
Finding good, budget car insurance is not the easiest thing to accomplish, and finding out which companies quote the best auto insurance rates for unemployed drivers will require even more perseverance.
Each auto insurance company has their own guidelines to determine premium rates, so to begin we’ll rank the most competitive auto insurance companies in Mesa. It’s important to understand that Mesa, AZ auto insurance rates are calculated based on many things which can significantly increase or decrease the cost of your policy. This price variation is why it is so important to perform an extensive rate comparison when trying to find the best car insurance rates for unemployed drivers. Insurance rates are impacted by many factors and can change substantially, so the cheapest company the last time you checked may now be one of the more expensive options.
Best Car Insurance Prices for Job Seekers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | Ameriprise Group | $1,208 |
| 9 | Allied | $1,209 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Unitrin | $1,317 |
| 13 | Safe Auto | $1,323 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,473 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,551 |
| View More Rates Go | ||
The Hartford may have some of the cheapest car insurance rates in Mesa at around $836 annually. Auto-Owners, Safeco, Travelers, and USAA are also some of the cheapest Mesa, AZ auto insurance companies.
As shown above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you could realize an annual premium reduction of upwards of $52. Customers with Safeco might save as much as $60 a year, and Travelers policyholders might reduce prices by as much as $250 a year.
Understand that those rates are averages for all ages of drivers and types of vehicles and do not take into consideration an exact zip code location for unemployed drivers. So the car insurance company that fits your age and vehicle best may not even be in the top 28 companies in the list above. That is why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
One of the many considerations that are looked at to determine insurance cost is where you call home. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.
The following table shows the most expensive cities in Arizona for unemployed drivers to buy auto insurance in. Mesa makes the list at #5 with the annual price of $1,159 for car insurance, which is around $97 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $1,226 |
| 2 | Avondale | $1,222 |
| 3 | Phoenix | $1,218 |
| 4 | San Tan Valley | $1,196 |
| 5 | Mesa | $1,159 |
| 6 | Gilbert | $1,154 |
| 7 | Scottsdale | $1,151 |
| 8 | Tempe | $1,118 |
| 9 | Chandler | $1,115 |
| 10 | Buckeye | $1,110 |
| 11 | Tucson | $1,094 |
| 12 | Peoria | $1,093 |
| 13 | Goodyear | $1,087 |
| 14 | Maricopa | $1,074 |
| 15 | Oro Valley | $1,062 |
| 16 | Casa Grande | $1,057 |
| 17 | Surprise | $1,048 |
| 18 | Casas Adobes | $1,040 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $992 |
| Compare Rates Now Go | ||
Information shown are comparative as the specific area where the vehicle is garaged can affect prices substantially.
The chart below illustrates how your choice of deductibles can increase or decrease premium costs when quoting cheap insurance for unemployed drivers. The data is based on a single male driver, comp and collision included, and no additional discounts are factored in.
As shown above, a 30-year-old driver could lower rates by $384 a year by increasing from a $100 deductible up to a $500 deductible, or save $580 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could reduce their rates as much as $1,138 or even more just by using higher deductibles. If you do make the decision to raise your deductibles, it is a good idea to have enough savings set aside to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.
Auto insurance company ratings
Selecting the top auto insurance provider can be a challenge considering how many different companies there are to choose from in Mesa. The company ratings in the next section may help you choose which auto insurance companies to look at when trying to find cheaper insurance for unemployed drivers.
The ratings below are for companies with a nationwide focus, so companies that have a smaller presence are not factored into these rankings. If you’d like to compare prices from these top-rated insurers and more, simply click here.
Top 10 Major Auto Insurance Companies in Mesa Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Top 10 Major Auto Insurance Companies in Mesa Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Impact of violations and accidents on rates in Mesa
The obvious way to earn the most affordable auto insurance prices in Arizona for the unemployed is to be a cautious driver and avoid getting tickets or having accidents. The chart below illustrates how traffic citations and at-fault collisions can increase car insurance rates for different categories of driver ages. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of a car insurance policy in Arizona per year with no accidents and a clean driving record is $1,219. Factor in one speeding ticket and the average cost hikes up to $1,417, an increase of $198 each year. Now get one accident along with the one speeding ticket and the yearly cost of auto insurance for unemployed drivers increases to an average of $1,974. That’s an increase of $755, or $63 per month, just for not driving responsibly!
Tips to find budget-friendly insurance for unemployed drivers
The list below shows a few thrifty ideas that can help you locate more affordable coverage.
- Increase your deductibles
- Try to not file small claims
- Buying your home and auto policies from the same company can earn a discount
- Lower rates by purchasing a safer vehicle
- Good credit scores may lower your rates
- Remove physical damage coverage on older vehicles
- Compare rate quotes frequently
That last tip is certainly significant, as was pointed out in the prior information. Auto insurance prices go up and down frequently, so drivers shouldn’t be resistant to buy a different policy if a better rate can be found. Many drivers prefer to stick with one company, but it isn’t a good idea if that dedication is costing hundreds of dollars a year. Now is a great time to compare prices to find cheaper insurance for unemployed drivers in Mesa.
The agencies below are a good start to aid you in deciding which insurance coverage you need, since lots of people like to get help from a professional when comparing insurance rates for the unemployed. It can be challenging to find the best policy on your own, so professional agents can add peace of mind knowing your policy gives you suitable coverage if you ever need to use it.
To find a Mesa insurance agent close to you, click the link after the list or click here to compare prices now.
- Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 - ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 - American Family Insurance – Brian Johnson Agency Inc.
3660 E University Dr Ste 3 – Mesa, AZ 85205 – (480) 634-7039 - Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318 - Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080