Union, NJ Car Insurance

On average, Union drivers pay a monthly average rate of around $96 for their car insurance. Check out our guide below to find out how much you'll pay.
How does Union compare to the surrounding area and the rest of New Jersey? What rates can residents of Union expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Union?

Area Average Monthly Car Insurance Premium
Union$96
NJ$106
United States$81

Based on the chart above, you can see that coverage in Union typically costs about $10 a month less than it does in the rest of New Jersey.

Conversely, the expected monthly payments for an auto insurance policy in Union are above the national average. The cost of insuring a vehicle in Union is about $15 more expensive than the average rate for the rest of the U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. 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 your monthly policy payment.

We've done the heavy lifting for you and broken down the average rate for Union so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$143
25-34$90
35-44$83
45-54Not Enough Data
55-64$67
65+$81

It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Union.

Average Car Insurance Rates by Gender

Gender Average
Male$99
Female$92

In general, women pay slightly less for car insurance than men. The difference in Union is around $7 per month. As you can see in the chart above, car insurance for women in the area typically costs around $92 each month, while men pay $99 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$105
Multiple Accidents$135
1 Ticket$101
Multiple Tickets$143

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Union, drivers with one accident on their record will experience rates around $105 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $101.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$96
4-5 Years$102
6-7 Years$95
8-10 Years$83
11-14 Years$97
15 Years or Older$99

In Union, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $77 per month to insure their vehicle.

SUV drivers will see rates of about $89 for car insurance coverage, while car owners by and large pay around $99 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Union are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$100
Married$85
Divorced$78
Widowed$84

More often than not, married policyholders will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Union is about $15 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$86
Rent$93
Live with parents$133

One other element taken into consideration is your living accommodations. Those who own their own home in Union can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Union, NJ

Recent trends in car insurance for Union 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.

The cost of car insurance coverage in Union went up from 2017-2018, before steadying out in 2019. Rates finished up in 2022, at $84 per month

How does Union compare to neighboring areas?

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

Car insurance companies will take into account many factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you call home. These factors include things like:

  • Community laws
  • Number of drivers in the region
  • Rate of car accidents
  • Crime
  • Off-street parking availability

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. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Union?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Union.

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Union Insurance FAQs

What factors affect car insurance quotes in Union?

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

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

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

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?

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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Union or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes