This is why I sold my car last year. I could no longer afford the insurance, especially after job-seeking to no avail. My car was paid for, but it was better for me to sell it than to let it sit in the driveway, while I used up my last paycheck to pay car-owner's insurance (you have to pay insurance even if you are not driving the car you own), then after that, having to bum people for bus passes.
I'm way better off without a car.