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How much is car insurance in Union City?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Union City are about the same as the rest of California.
Compared to the rest of the country, auto insurance in Union City is more affordable. You can expect to pay about $25 below the national average for auto insurance in Union City.
Although these are the average rates for auto insurance in Union City, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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 even your credit score depending on the circumstances.
We've analyzed the average rate for Union City and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance rates. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Union City drivers may see their rates begin to increase again once they hit retirement age.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Union City is around $7 per month. As illustrated in the table above, male drivers in the area pay about $59 on average, while female drivers pay around $52 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Union City, a driving record with one accident will usually get you a rate around $87 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $69 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$58|
If you look at the first table above, the cheapest vehicles to insure in Union City are typically SUVs, at $49 per month.
Truck and van drivers will see rates of about $56 for insurance coverage, while car owners usually pay around $58 a month.
Your vehicle's age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is about 5 years old. In Union City, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Overall, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Union City as well, where the difference is around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $4 a month more than if you own your own home in Union City. 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 car insurance premiums, depending on your insurance company.
Car Insurance Companies in Union City, CA
Recent trends in car insurance for Union City drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing where to shop.
In Union City, the rates for auto insurance went up from 2017-2018, before steadying out in 2019. Car insurance rates finished up in 2022, at $50 per month
How does Union City compare to neighboring areas?
Why are car insurance rates in Union City different from other areas?
There are many factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Total number of drivers in the community
- General road safety (how many accidents each locality has)
- Community regulations
- Amount of off-street parking
- Area crime rates
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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?
Arming 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.
But wait! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Union City.
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Union City Insurance FAQs
What factors affect car insurance quotes in Union City?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.
Why is the cost of car insurance in Union City different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Union City?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Union City?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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