Who Has the Cheapest Auto Insurance Rates for Unemployed Drivers in Dallas?

You have surely seen all the captivating commercials from car insurance companies like The General and Progressive that promise the cheapest price. So drivers just need to choose one randomly, right?

That is not the case, however, as there are a whole bunch of unknowns like whether you just want liability only, if you own a home, and what coverage limits you want, that all impact the price you pay. Car insurance is kind of a dry topic, but this article will explain the best ways to pay less and hopefully give you enough understanding to have a jump start in finding the best auto insurance in Dallas.

The car, truck, or SUV requiring coverage is probably the largest consideration when comparing quotes for economical coverage for unemployed drivers. Vehicles with higher performance characteristics, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than safer, lower-performance models.

The next list features coverage rates for a selection of the most economical automobiles to insure.

Cheapest Vehicles to Insure in Dallas, TX
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,023
Hyundai Elantra SE Touring Station Wagon $1,112
Honda Accord EX 4-Dr Sedan $1,165
Ford Escape XLS 4WD $1,173
Honda Civic DX 4-Dr Sedan $1,187
Ford Edge SEL AWD $1,192
Ford Explorer Eddie Bauer 4WD $1,235
Ford F-150 FX2 2WD $1,244
Chevrolet Impala LTZ $1,275
Hyundai Sonata GLS 4-Dr Sedan $1,295
Chevrolet Silverado LS Extended Cab 2WD $1,305
Nissan Rogue S 2WD $1,295
Jeep Grand Cherokee SRT-8 4WD $1,297
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,302
GMC Sierra SL Crew Cab 2WD $1,297
Toyota Prius $1,302
Honda Odyssey EX W/Rear Entertainment $1,347
Toyota RAV4 2WD $1,374
Chevrolet Malibu LS $1,382
Kia Optima EX $1,379
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in Dallas, TX location which can increase or decrease prices noticeably.

Looking at the rates, models like the Honda CR-V, Hyundai Elantra, Honda Accord, and Ford Escape are a few of the most affordable vehicles to insure for the unemployed.

Figuring out which companies have the most affordable auto insurance rates for unemployed drivers takes a bit more work than just comparing rates from one or two companies. Every insurance company used slightly different criteria for filing rates in each state, so we’ll take a look at the auto insurance companies that tend to be cheaper in Dallas, TX.

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Cheapest Texas car insurance ranked by price
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,117
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,294
5 California Casualty $1,396
6 Esurance $1,421
7 Mercury $1,461
8 State Farm $1,465
9 Nationwide $1,553
10 Safe Auto $1,613
11 Progressive $1,698
12 Allstate $1,718
13 Amica $1,723
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,183
17 Unitrin $2,264
18 Encompass $2,301
19 21st Century $2,421
20 Titan $2,646
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Travelers quotes some of the cheapest car insurance rates in Dallas at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty are also some of the cheaper Dallas, TX insurance companies.

As the rates illustrate above, if you currently have a policy with Germania Mutual and switched to Travelers, you could earn savings of about $242. Customers with California Casualty might save as much as $344 a year, and Esurance customers might reduce prices by as much as $369 a year.

To find the cheapest rates for your vehicle, click here to begin a quote or click through to the companies below.

Understand that those policy prices are averages across all ages of drivers and types of vehicles and are not factoring in an exact zip code location for unemployed drivers. So the company that can offer the best rates for your situation may not even be in the top 23 companies shown above. That’s why you need to get rate quotes using your own driver data and vehicle information.

For the unemployed, one of the largest factors that determine the price you pay for insurance is your address. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The information below ranks the priciest cities in Texas for unemployed drivers in which to purchase auto insurance. Dallas shows up at #4 with the yearly price of $1,837 for coverage, which is around $153 each month.

How much is auto insurance in Dallas, TX?
Rank City Annual Premium
1 McAllen $2,016
2 Brownsville $1,908
3 Laredo $1,851
4 Dallas $1,837
5 Houston $1,835
6 Mesquite $1,825
7 Amarillo $1,804
8 Grand Prairie $1,793
9 Irving $1,789
10 Garland $1,778
11 Beaumont $1,772
12 Pasadena $1,758
13 San Antonio $1,671
14 Lubbock $1,665
15 Austin $1,659
16 Arlington $1,658
17 Fort Worth $1,653
18 El Paso $1,632
19 Plano $1,624
20 McKinney $1,609
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Rate quotes are approximated as the specific area where the vehicle is garaged can revise coverage prices significantly.

Discount Dallas car insurance

Auto insurance for the unemployed in Dallas, TXCar insurance companies that offer coverage for unemployed drivers may also offer premium discounts that could potentially reduce rates by as much as 30% if you meet specific eligibility requirements. A list of companies and a summarized list of policyholder discounts are detailed below.

The diagram below compares insurance costs with and without discounts applied. The information is based on a female driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple vehicle, claim-free, anti-theft, homeowner, vehicle safety, and passive restraint discounts applied. When these discounts are applied, the average savings per year on auto insurance for unemployed drivers is 28% or $706.

Does it make sense to buy full coverage?

Lowering the price of auto insurance is probably important to the majority of people, and one of the fastest ways to lower the cost of insurance for unemployed drivers is to only buy liability coverage. The diagram below compares insurance premiums with and without physical damage coverage. The information is based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are taken into consideration.

Averaged out for all age groups, comprehensive and collision coverage on your policy costs an additional $2,181 per year more than just buying liability only. That is a significant amount which raises the question when is the right time to remove full coverage. There is no specific rule for phasing out full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

The agents below can probably help you make a decision which auto insurance policy would work best for you, since lots of drivers aren’t clear which coverage they need and would like to have some advice when comparing insurance rates for the unemployed. It’s not always simple to find the best coverage on your own, and a licensed agent can bring peace of mind knowing you have sufficient coverage at claim time. To locate an agency closest to you, click the button link following the list or click here to compare price quotes.

View more Dallas, TX insurance agencies

How to find more affordable auto insurance for unemployed drivers

The list below shows some of the recommended thrifty suggestions that can help Dallas drivers locate cheaper coverage.

The last item on the list is particularly necessary, as was emphasized in the prior information. Insurance rates in Dallas change a lot, so don’t be hesitant to change insurance companies if you find a better deal. Many drivers prefer to stick with one company, but it isn’t a good idea if that inflexibility results in costing you thousands of dollars over the life of your policy. Take a couple minutes and compare prices to find cheaper insurance for unemployed drivers.