Union City, CA Car Insurance

On average, Union City drivers pay a monthly average rate of around $57 for their car insurance. For more information refer to our guide below.
What rates can residents of Union City expect to pay for their car insurance? How does Union City compare to the surrounding area and the rest of California? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Union City?

Area Average Monthly Car Insurance Premium
Union City$57
CA$56
United States$80

As you can see in the chart above, car insurance rates in Union City are slightly more expensive than the rest of California.

Compared to the national average cost of auto insurance coverage, Union City has lower rates. It's about $23 cheaper to insure your vehicle in Union City compared to the average rate for the U.S. as a whole.

While these are the average costs to insure your vehicle in Union City, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Union City so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$102
25-34$48
35-44$43
45-54$49
55-64$52
65+$40

More time behind the wheel makes you a more experienced driver. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may begin to increase again in Union City.

Average Car Insurance Rates by Gender

Gender Average
Male$60
Female$53

Female drivers pay, on average, slightly less than their male counterparts. In Union City, the difference is around $7 a month. Based on the chart above, you can see that male drivers pay $60 on average, while female drivers typically pay $53 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$88
Multiple Accidents$90
1 Ticket$74
Multiple Tickets$160

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Union City with a single accident on their record is about $88 a month. In addition, drivers with a single ticket on their record can expect to pay around $74 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$47
4-5 Years$48
6-7 Years$56
8-10 Years$52
11-14 Years$66
15 Years or Older$59

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Union City, with drivers paying around $48 per month for auto insurance coverage.

Truck and van drivers will see rates of about $56, while the rates for car owners average out to about $59 per month.

You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Union City are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$47
Divorced$51
Widowed$41

Generally speaking, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Union City is no exception, with the difference totaling to around $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$55
Live with parents$72

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Union City, expect to pay around $5 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Union City, CA

Recent trends in car insurance for Union City drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

The rates for auto insurance in Union City increased from 2016-2018, before leveling out in 2019. They finished down in 2021, at $45 a month

How does Union City compare to neighboring areas?

Why are car insurance rates in Union City different from other areas?

There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Rate of crime
  • Community regulations
  • Total number of drivers in the region
  • Off-street parking availability
  • Road safety

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Union City?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Union City.

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Union City Insurance FAQs

What factors affect car insurance quotes in Union City?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Union City different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Union City?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Union City?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Union City or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes