Why Is Car Insurance More For Unemployed? 
Great question ! All insurances work off of assumed risk . The higher the risk , the more expensive the rates . The insurance companies use a variety of statistical information to determine the levels of risk . They also make some assumptions that may or may not be true to you personally , but tend to hold true over the general population of the group . For example , the assumption is that if you smoke , your health risks are higher . The mortality statistics bear that out , as do statistics on cancer , and smoking related diseases . Therefore , life insurance rates are higher for smokers . The risk for someone unemployed is similarly higher than someone with employment . Someone who is unemployed will have a harder time making their premium payment , and the risk for the company to lose money is higher . They are going to try to minimize that risk by charging enough to quickly cover their costs . I hope that answers your question , if you would like to discuss it further , please contact me , I 'm happy to help . Thanks for asking ! 