Union, NJ Car Insurance

On average, Union drivers pay around $101 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Compared to their surrounding area, how do rates in Union stack up? What about against the rest of New Jersey? What should residents of Union expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Union?

Area Average Monthly Car Insurance Premium
Union$101
NJ$107
United States$80

Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Union than it is in the rest of New Jersey.

On the flip side, Union residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of auto coverage in Union is about $21 more expensive than the national average.

Keep in mind that while these are the average car insurance rates for Union, it isn't guaranteed that it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Union residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$143
25-34$93
35-44$89
45-54$85
55-64$70
65+$82

It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may rise again in Union.

Average Car Insurance Rates by Gender

Gender Average
Male$106
Female$93

Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Union is about $13 a month. Based on the chart above, you can see that female drivers pay around $93 on average, while male drivers typically pay $106 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$111
Multiple Accidents$135
1 Ticket$98
Multiple Tickets$175

Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Union with one accident will pay around $111 a month. In addition, drivers with one ticket can expect to pay around $98 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 Years$104
4-5 Years$102
6-7 Years$97
8-10 Years$86
11-14 Years$102
15 Years or Older$105

As you can see in the first table above, the cheapest vehicles to insure in Union are usually trucks and vans, which run about $81 per month.

SUV drivers will see rates of about $95, while the rates for car owners average out to about $103 per month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Union, vehicles fifteen years and older and two-to-three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$106
Married$87
Divorced$77
Widowed$84

Generally, those who have settled down into marriage will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Union is no exception, with the difference totaling to around $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$87
Rent$99
Live with parents$142

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $12 a month more than homeowners in Union. But those who live at home with their parents can expect to pay significantly more.

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

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The rates for auto insurance in Union decreased from 2016-2017, before leveling out in 2018. They finished down in 2021, at $69 a 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 a variety of factors when figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:

  • Area laws
  • Crime rates
  • General road safety (how many accidents each locality has)
  • Off-street parking availability
  • Amount of drivers in the area

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Union?

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.

But wait! Compare.com does all of that work for you. Just punch 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 loads of the car insurance companies that offer plans 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 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 different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

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?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Union or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes