Insurers tend to charge unemployed people more for car insurance because they believe unemployed drivers are more likely to make a claim. There are several reasons for this: Unemployed people are likely to drive more if they use their cars to look for work, which increases the risk of an accident occurring If you’re unemployed, you’re also more likely to be driving on roads you’re not familiar with, which also increases the risk of accident Insurers believe that unemployed drivers may be more distracted because of their circumstances, and may drive less carefully Unemployed individuals may also be viewed by insurers as less likely to maintain their vehicles, as they have less spare cash Unemployed people tend to pose a higher credit risk