Cheapest Car Insurance Quotes in Union City

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Union City Car Insurance

^$ 27

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Union City

The car insurance rate in Union City is $1051 for a six-month policy, which is $40 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $668, making it a popular choice for budget-conscious drivers. Rates in Union City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Union City

$1051

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Union City

1st place: CSAA

At $668 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $847 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $895 for six months, making it the third cheapest auto insurance company in Union City.

Union City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Union City, CA is CSAA, offering policies at just $668 for a six-month term. This is followed by USAA, which has an average six-month premium of $847.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $803 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Union City drivers find the best deals.

Cheap Car Insurance Companies in Union City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$668	$112
USAA	$847	$142
Mercury	$895	$151
AAA SoCal	$982	$167
Progressive	$1032	$174
Allstate	$1130	$190
Wawanesa	$1137	$191
AAA NorCal	$1149	$196
Auto Club	$1186	$198
State Farm	$1254	$211
AAA	$1427	$238
Kemper	$1477	$251
Farmers	$1649	$275
Capital Insurance Group	$735	$123
National General	$748	$127
State National	$760	$127
Hartford	$803	$136

Key Takeaways

Way's key takeaways about car insurance in Union City

The auto insurance costs in Union City fall around $668 for six months.
The cheapest auto insurance company in Union City is CSAA.
Teen drivers pay the highest rate in Union City at $70 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Union City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Union City are given below.

CSAA provides the cheapest minimum car insurance coverage in Union City. Their Average 6 Month Premium is $160. 21st Century is the most expensive at $420 for the same period.

Cheapest Liability Coverage in Union City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$160	$27
AAA	$284	$48
USAA	$296	$50
AAA NorCal	$309	$52
AAA SoCal	$353	$60
Progressive	$359	$60
Auto Club	$364	$62
State Farm	$376	$63
Wawanesa	$383	$64
Mercury	$408	$69
Allstate	$439	$74
Farmers	$525	$87
Kemper	$290	$49
Capital Insurance Group	$315	$54
State National	$334	$57
National General	$414	$69
21st Century	$420	$72

Cheapest Full Coverage Car Insurance in Union City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Union City is CSAA at $112 per month and $668 for six months.

Cheapest Full Coverage Car Insurance Quotes in Union City, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$668	$112
USAA	$847	$142
Mercury	$895	$151
AAA SoCal	$982	$167
Progressive	$1032	$174
Allstate	$1130	$190
Wawanesa	$1137	$191
AAA NorCal	$1149	$196
Auto Club	$1186	$198
State Farm	$1254	$211
AAA	$1427	$238
Kemper	$1477	$251
Farmers	$1649	$275
Capital Insurance Group	$735	$123
National General	$748	$127
State National	$760	$127
Hartford	$803	$136

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Average Car Insurance in Union City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Union City, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Union City, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Union City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Union City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$608
30s	Wawanesa	$491
40s	Wawanesa	$491
50s	Wawanesa	$491
60s	Wawanesa	$491
70s	Wawanesa	$480

Cheapest Car Insurance Rates for Teen Drivers in Union City,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Union City at $41 per month. At $408 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$241	$41
Capital Insurance Group	$544	$90
USAA	$1297	$218
Mercury	$1316	$222
Wawanesa	$1446	$245
Progressive	$1513	$255
CSAA	$1822	$307
State Farm	$2162	$364
AAA SoCal	$2341	$398
Allstate	$2508	$422
Auto Club	$2675	$454
AAA NorCal	$3564	$594
Farmers	$3639	$619
State National	$389	$64
Marcury	$408	$70

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Union City.

As young drivers face the highest rates in Union City, Wawanesa offers the cheapest auto insurance rates at $608 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Union City.

Car Insurance Rates with An Accident in Union City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Union City, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Union City

The cheapest car insurance companies after an at-fault accident in Union City include AAA and Capital Insurance Group, offering $395 and $568, respectively. 21st Century is an expensive provider with an average six-month premium of $710.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$395	$67
Capital Insurance Group	$568	$97
CSAA	$760	$128
USAA	$1137	$191
Progressive	$1316	$222
Mercury	$1396	$237
Wawanesa	$1606	$267
AAA SoCal	$1687	$287
Auto Club	$1779	$296
Farmers	$1828	$308
State Farm	$2175	$366
AAA NorCal	$2329	$396
Allstate	$2799	$471
State National	$469	$78
Hartford	$544	$93
National General	$624	$104
Nationwide	$673	$114
21st Century	$710	$119

Union City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Union City CA. For example, the car insurance in Union City after a DUI increases to $1810 for a six month policy. While the rate increases by $476 for a six-month policy in the case of a speeding ticket.

Union City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1130	$188
Not-at-fault accident	$1130	$192
One comp claim	$1130	$188
One Med/PIP claim	$1130	$192
Two comp claims	$1130	$188
Two Med/PIP claims	$1130	$192
At-fault accident - less than $1000	$1155	$192
Failure to show documents	$1489	$253
Driving with expired registration	$1519	$254
Driving without lights	$1519	$258
Failure to wear a seat belt	$1526	$255
Child safety restraint	$1538	$261
Speeding 11 - 15 MPH over limit	$1600	$266
Speeding 16 - 20 MPH over limit	$1600	$272
Driving too slowly	$1606	$267
Failure to stop at a red light	$1606	$274
Failure to yield	$1606	$267
Following too closely	$1606	$274
Illegal turn	$1606	$267
In 65 MPH zone	$1606	$274
Speeding 21 - 25 MPH over limit	$1606	$267
Speeding 6 - 10 MPH over limit	$1606	$274
Speeding in school zone	$1606	$267
Improper passing	$1612	$275
Cell phone violation	$1618	$269
Texting while driving	$1618	$276
Passing school bus	$1637	$272
Wrong way/wrong lane	$1915	$326
Operating a vehicle without permission	$1958	$327
At-fault accident - $1000-$2000	$1971	$335
At-fault accident - greater than $2000	$1971	$329
Open container	$1977	$336
Driving with a suspended license	$2292	$382
Reckless driving	$2792	$475
Racing	$2824	$470
Leaving scene of an accident/hit and run	$2835	$483
DUI	$2940	$490
Refusal to submit to a chemical test	$2940	$500

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Union City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Union City.

The cheapest car insurance premiums in Union City are offered by AAA at $778 for a six-month policy. However, it can be as expensive as $655 with companies like Kemper.

Union City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$778	$132
Capital Insurance Group	$847	$141
Mercury	$1007	$170
Progressive	$1489	$251
Wawanesa	$1810	$308
Farmers	$1921	$323
USAA	$2045	$344
CSAA	$2162	$364
AAA SoCal	$3126	$531
Auto Club	$3577	$596
AAA NorCal	$4120	$701
State Farm	$4398	$740
Allstate	$4528	$762
Travelers	$872	$146
National General	$408	$68
Kemper	$655	$109

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Union City are offered by CSAA at $99. However, it can be as expensive as $469 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Union City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$99	$17
Capital Insurance Group	$544	$90
Mercury	$927	$156
USAA	$970	$161
Progressive	$1044	$176
AAA NorCal	$1446	$241
AAA SoCal	$1551	$264
Allstate	$1594	$265
State Farm	$1687	$287
Farmers	$2335	$389
AAA	$303	$51
Kemper	$383	$66
National General	$408	$68
State National	$469	$80

Car Insurance Price Trends in Union City, California

Car insurance rates in Union City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Union City rose by $200 in December compared to $198 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Union City rose to $56 in December, compared to $54 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Union City?

The car insurance in Union City is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Union City?

The cheapest car insurance in Union City is $112 per month for full coverage.

How much is car insurance in Union City for teenagers?

Car insurance for teenagers costs $241 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Union City?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $177 per month to insure your car in Union City.

Is car insurance expensive in Union City?

Car insurance can be expensive in Union City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Union City can be affordable.

Cheapest Car Insurance Quotes in Union City

Why you can trust Way?

How Much Is Car Insurance in Union City

Avg. Car Insurance in Union City

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Union City

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Union City Car Insurance Rates by Company

Cheap Car Insurance Companies in Union City, CA

Way's key takeaways about car insurance in Union City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Union City

Cheapest Liability Coverage in Union City, CA

Cheapest Full Coverage Car Insurance in Union City

Cheapest Full Coverage Car Insurance Quotes in Union City, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Union City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Union City, CA increasing?

Car Insurance Premiums by Age in Union City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Union City,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Union City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Union City

Cheapest Car Insurance Companies after an At-Fault Accident in Union City

Union City Car Insurance Rates by Violation

Union City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Union City after a DUI

Union City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Union City after Speeding ticket

Car Insurance Price Trends in Union City, California

Average Car Insurance Cost in Union City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Union City, CA

Car Insurance Rates by State in the USA (2025 Update)

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