Union City, NJ Car Insurance

Drivers in Union City pay around $136 a month for their car insurance. To learn more about policy rates and coverage in the Union City area, continue reading 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? 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 City?

Area Average Monthly Car Insurance Premium
Union City$136
NJ$106
United States$81

Based on the information in the chart above, you can see that on average, it's about $30 a month more expensive to insure your vehicle in Union City than it is in the rest of New Jersey.

Likewise, Union City residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $55 more expensive for coverage in Union City than the average rates for the U.S. as a whole.

While these are the average costs to insure your vehicle in Union City, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Union City and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$213
25-34$119
35-44$119
45-54Not Enough Data
55-64$97
65+$95

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.

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 rise again in Union City.

Average Car Insurance Rates by Gender

Gender Average
Male$141
Female$124

Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Union City, where male drivers pay about $17 more per month. Based on the chart above, you can see that male drivers pay $141 on average, while female drivers typically pay $124 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$123
Multiple Accidents$179
1 Ticket$205
Multiple Tickets$181

One of the key factors in determining your car insurance rates is your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Union City, a driving record with a single accident will usually get you a rate around $123 a month. Similarly, drivers with one ticket will typically pay around $205 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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$134
2-3 Years$117
4-5 Years$107
6-7 Years$161
8-10 Years$140
11-14 Years$140
15 Years or Older$129

The most affordable vehicles to insure in Union City are by and large trucks and vans, which run about $105 per month.

SUV drivers will see rates of about $122, while the rates for car owners average out to about $148 a month.

Vehicle age can also affect your monthly bill. 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 drop back down. 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)$143
Married$107
Divorced$108
Widowed$104

Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Union City is about $36 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$127
Rent$136
Live with parents$256

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $9 a month more than homeowners in Union City. 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 overall 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 shopping for coverage.

Car insurance rates in Union City dropped from 2017-2018, when they hit a low of $107, but started to rise from 2019-2020. They finished up in 2022, at $141.

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. Many factors affecting your policy are based around your home address. These factors include things like:

  • Total amount of drivers in the area
  • Off-street parking accessibility
  • Local regulations
  • Rate of crime
  • Rate of car accidents

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 City?

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

Luckily, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering coverage in Union City.

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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 you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Things like local laws, parking situations, and crime rates, 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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Union City or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes