Union City, NJ Car Insurance

On average, Union City drivers pay a monthly average rate of around $140 for their car insurance. To learn more about car insurance rates in the Union City area, read our guide below.
How does Union City stack up to the rest of the area, or even New Jersey as a whole? What can Union City residents expect to pay for their car insurance? 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$140
NJ$107
United States$80

Based on the information in the chart above, you can see that on average, it's about $33 a month more expensive to insure your vehicle in Union City than it is in the rest of New Jersey.

The average cost of insuring your vehicle in Union City is above the national rate. The average monthly payment for the rest of the U.S. is about is about $60 cheaper than it is in Union City.

While these are the average monthly costs for auto insurance coverage in Union City, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Union City residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$215
25-34$119
35-44$121
45-54$110
55-64$102
65+$99

It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $116 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Union City drivers may see their rates climb back up once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$146
Female$122

On average, female drivers pay slightly less for car insurance than their male counterparts. In Union City, the difference comes out to about $24 a month. As you can see in the table above, male drivers in the area typically pay $146 on average, while female drivers typically pay $122 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$123
Multiple Accidents$179
1 Ticket$194
Multiple Tickets$170

Rates can change 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 City with a single accident will pay around $123 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $194.

Accidents, tickets, and other driving infractions can really hurt your wallet. 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$137
2-3 Years$115
4-5 Years$104
6-7 Years$165
8-10 Years$144
11-14 Years$141
15 Years or Older$136

As you can see in the first table above, the cheapest vehicles to insure in Union City are typically trucks and vans, which run about $108 per month.

SUV drivers will see rates of about $125, while the rates for car owners average out to about $153 per month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Union City are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$149
Married$106
Divorced$105
Widowed$104

More often than not, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

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 $43 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$127
Rent$141
Live with parents$256

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment in Union City, expect to pay around $14 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Union City, NJ

Recent trends in car insurance for Union City 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 car insurance in Union City had been increasing from 2016-2017, before leveling out in 2018. Rates began increasing again in 2019, and finished down in 2021, at $96 a month

How does Union City compare to neighboring areas?

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

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:

  • Availability of off-street parking
  • Amount of drivers in the area
  • Crime levels
  • Community regulations
  • 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. Get started with a guide like this to get familiar with the average rates of your area.

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.

But hold on! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies providing policies 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?

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 vehicle's make and model, year, driving record, credit score, as well as your marital status and address.

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

Things like local laws, crime rates, 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?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Union City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes