Who Has the Cheapest Houston Auto Insurance Rates for Unemployed Drivers?

For the unemployed, one of the big things that aid in calculating the amount you pay each year for auto insurance is where your residence is. Cities with larger populations tend to have more expensive auto insurance rates, whereas more rural areas have the enjoyment of a little cheaper coverage.

The table below rates the most expensive areas in Texas for unemployed drivers to buy car insurance in. Houston makes the list at #6 with a yearly premium of $1,835 for coverage, which is about $153 monthly.

How much is auto insurance in Houston, TX?
Rank City Annual Premium
1 McAllen $1,956
2 Laredo $1,907
3 Dallas $1,893
4 Brownsville $1,870
5 Amarillo $1,858
6 Houston $1,835
7 Mesquite $1,825
8 Garland $1,796
9 Pasadena $1,758
10 Beaumont $1,754
11 Grand Prairie $1,740
12 San Antonio $1,722
13 Irving $1,719
14 Lubbock $1,716
15 Arlington $1,709
16 Austin $1,676
17 Carrollton $1,647
18 Fort Worth $1,604
19 Corpus Christi $1,572
20 Waco $1,569
21 El Paso $1,568
22 McKinney $1,561
23 Plano $1,560
24 Killeen $1,518
25 Abilene $1,515
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Premium amounts are comparative as the garaging address in Houston can impact auto insurance rates substantially.

The vehicle model you are trying to insure is probably the most important factor when looking for the most affordable coverage for unemployed drivers. Vehicles with limited top-end speed, modern passenger safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models. The list below ranks auto insurance premiums for a number of the cheaper automobiles to insure.

Cheapest Vehicles to Insure in Houston, TX
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,278
Ford Explorer XLT AWD $1,432
Ford Escape XLS 2WD $1,465
Toyota Camry LE $1,511
Toyota RAV4 Sport 2WD $1,517
Ford Focus SEL 4-Dr Sedan $1,563
Ford Edge Limited AWD $1,591
Toyota Prius $1,619
Volkswagen Jetta 2.0T 4-Dr Sedan $1,629
Chevrolet Equinox LTZ 2WD $1,619
Jeep Wrangler Sport 4WD 2-Dr $1,627
GMC Sierra 2500HD SLT Crew Cab 4WD $1,696
Honda Accord LX-S 2-Dr Coupe $1,701
Hyundai Sonata Limited 4-Dr Sedan $1,729
Toyota Tacoma 4WD $1,758
Dodge Grand Caravan SE $1,766
Ford F-150 FX2 2WD $1,763
Hyundai Elantra GLS 4-Dr Sedan $1,822
Toyota Corolla XLE $1,827
Honda Odyssey EX-L $1,822
Ford Fusion Sport 4-Dr Sedan $1,855
GMC Sierra SLE Crew Cab 2WD $1,862
Chevrolet Malibu Hybrid $1,855
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific Houston, TX garaging location which can modify price quotes considerably.

Based upon the rates shown, you can figure that models like the Honda CR-V, Ford Explorer, Ford Escape, and Toyota Camry are most likely to be some of the cheaper vehicles to insure for the unemployed.

The chart below demonstrates how deductibles can change premium costs when quoting cheap insurance for unemployed drivers. The premium estimates are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could save $440 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $660 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could possibly save $1,446 each year by choosing a higher deductible. If you do decide to increase your deductibles, it will be required to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Does it make sense to buy full coverage?

Lowering the price of insurance is important to the majority of drivers, and one of the best ways to buy cheap insurance for unemployed drivers is to only buy liability insurance. The example below shows the difference between annual premium costs when comparing full coverage to liability only. The rate quotes are based on no claims or driving violations, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

As an average for all age groups, physical damage insurance costs an additional $1,598 per year over having just liability coverage. Many drivers will wonder if buying full coverage is worth the expense. There is no exact rule of when to eliminate comp and collision coverage, but there is a general guideline. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s claim settlement value is $11,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $10,500 after paying your policy deductible. If you are currently paying more than $1,050 annually to have full coverage, then you might want to consider buying only liability coverage.

Buying coverage from the right auto insurance company can be difficult considering how many different companies sell coverage in Houston. The company ratings shown next may help you pick which car insurance companies you want to consider comparing rates with. The rankings below include companies with a nationwide focus, so smaller companies that only insure vehicles in Texas will not be included in the list.

Best 15 Insurance Companies for Unemployed Drivers in Houston
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
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Data Source: Insure.com Best Car Insurance Companies

How to find cheaper car insurance for unemployed drivers

Lowering your rates is not difficult, and here are many penny-pinching solutions that can help Texas drivers locate more affordable coverage.

That last idea is highly critical, as was pointed out in the prior information. Prices charged by car insurance companies fluctuate constantly, so don’t be unwilling to switch companies if a more affordable rate is found. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if your bullheadedness ends up costing you a small fortune. Take a few minutes and compare prices to find cheaper car insurance for unemployed drivers in Houston.