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How much is car insurance in Union?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the South Carolina, coverage in Union is about $23 a month cheaper.
Similarly, car insurance rates in Union are often favorable when viewed against the rest of the country. Car insurance rates for the U.S. as a whole are, on average, $0 more expensive than the rates you'd pay in Union.
These may be the average auto insurance rates for Union, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
We've analyzed the average rate for Union and broken down the different factors to help you understand what your monthly bill might look like. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Union drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Union actually goes against the grain. While female drivers pay $83 a month for car insurance coverage, males only pay about $77.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Union with a single accident on their record will usually see rates around $108 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $114 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$68|
|15 Years or Older||$79|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Union, with drivers paying around $63 per month for auto insurance.
SUV drivers will see rates of about $79 for auto insurance coverage, while car owners by and large pay around $85 per month.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Union are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$84|
Generally, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
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 $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$64|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $12 a month more than if you own your own home in Union. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Union, SC
Recent trends in car insurance for Union drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for auto insurance in Union went up from 2017-2018, before leveling out in 2019. Insurance rates began increasing again in 2020, and finished down in 2022, at $91 a month
How does Union compare to neighboring areas?
Why are car insurance rates in Union different from other areas?
Car insurance companies take in many factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Number of drivers in the community
- Area regulations
- Off-street parking access
- Road Safety (frequency of local car accidents)
- Prevalence of crime
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Union?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering coverage in Union in no time.
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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 you can't control like your age and gender but also factors like your driving record, credit score, address 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 crime rates, parking situations, and local laws 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?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Union?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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?
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