Table of contents
How much is car insurance in Union?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $23 a month cheaper to insure your vehicle in Union than it is in the rest of South Carolina.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Union is rather affordable. It's about $4 cheaper to insure your vehicle in Union compared to the average rate for the United States as a whole.
Bear in mind that while these are the average car insurance rates for Union, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Union 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 sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $33 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Union drivers may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Union men actually pay $71 per month for coverage while women pay $79.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is 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 $90 a month. In addition, drivers with one ticket can expect to pay around $118 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$75|
If you look at the first table above, the cheapest vehicles to insure in Union are by and large trucks and vans, at $68 per month.
Car owners will see a monthly premium of about $77, while SUV owners typically pay around $76 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. 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 rates drop back down a bit. In Union, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$78|
Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Union follows that pattern, with the difference totaling to around $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Union can expect to pay around $13 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.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Union, SC
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 insurance provider.
The cost of insurance in Union decreased from 2016-2017, before steadying out in 2018. Car insurance rates finished down in 2021, at $70 a month
How does Union compare to neighboring areas?
Why are car insurance rates in Union different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Off-street parking accessibility
- Regional regulations
- Road Safety (frequency of car accidents)
- Amount of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering plans in Union.
Union Insurance FAQs
What factors affect car insurance quotes in Union?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Union different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 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.