Union City, GA Car Insurance

On average, drivers in Union City pay around $122 per month for their car insurance. Check out our guide below to find out how much you'll pay.
What should residents of Union City expect to pay for their car insurance? How does Union City compare to the surrounding area and the rest of Georgia? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Union City?

Area Average Monthly Car Insurance Premium
Union City$122
GA$104
United States$80

Car insurance policies in Union City are about $18 a month more expensive than the rest of Georgia.

Likewise, residents of Union City might expect to pay higher rates for coverage than the rest of the country. You can expect to pay about $42 more for your policy in Union City.

These rates may be the average amount Union City residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

But don't worry, we've broken down average rates for Union City residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$197
25-34$123
35-44$112
45-54Not Enough Data
55-64$85
65+$102

Generally, the older you are, the more experienced you are on the roads. When it comes to auto insurance rates, that experience pays off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may start to rise again in Union City.

Average Car Insurance Rates by Gender

Gender Average
Male$131
Female$116

Female drivers pay, on average, slightly less than their male counterparts. The difference in Union City is around $15 per month. Looking at the table above, you can see that female drivers pay around $116 on average, while male drivers typically pay $131 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$160
Multiple Accidents$192
1 Ticket$189
Multiple Tickets$222

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Union City, having a single accident on your record will usually get you rates around $160 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $189 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$137
2-3 Years$125
4-5 Years$193
6-7 Years$127
8-10 Years$115
11-14 Years$119
15 Years or Older$111

According to the first table above, the cheapest vehicles to insure in Union City are usually trucks and vans, at $110 per month.

Car owners will see a monthly bill of about $124, while SUV owners by and large pay around $116 a month.

You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Union City are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$128
Married$98
Divorced$94
Widowed$83

Overall, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Union City reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $30 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$107
Rent$127
Live with parents$134

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $20 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 good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Union City, GA

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 selecting an auto insurance policy.

Auto insurance rates in Union City rose consistently from 2016-2020. Rates finished down in 2021, at $164.

How does Union City compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider numerous factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Local laws
  • Local crime rates
  • Amount of off-street parking
  • Total number of drivers
  • Road Safety (how many accidents each locality has)

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. With the knowledge 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 particular neighborhood.

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

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Union City.

Compare the cheapest quotes from dozens of insurance companies

Union City Insurance FAQs

What factors affect car insurance quotes in Union City?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.

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

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

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?

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?

Find your best rate in just a few minutes