Cheapest Car Insurance Quotes in Union City

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Union City Car Insurance

^$ 60

/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 $1695 for a six-month policy, which is $642 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $602, 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

$1695

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Union City

1st place: Country Financial

At $602 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $794 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $1167 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, GA is Country Financial, offering policies at just $602 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $794.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2726 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, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$602	$100
Auto-Owners Insurance Co	$794	$135
Georgia Farm Bureau	$1167	$195
Farm Bureau	$1282	$217
Auto-Owners	$1798	$303
USAA	$1798	$303
Progressive	$1855	$312
Mercury	$2143	$364
Allstate	$2190	$369
Esurance P&C Ins Co	$2306	$391
State Farm	$2726	$459

Key Takeaways

Way's key takeaways about car insurance in Union City

The auto insurance costs in Union City fall around $602 for six months.
The cheapest auto insurance company in Union City is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Union City at $1634 per month.

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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.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Union City. Their Average 6 Month Premium is $354. State Farm is the most expensive at $1253 for the same period.

Cheapest Liability Coverage in Union City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$354	$60
Georgia Farm Bureau	$478	$81
Farm Bureau	$526	$90
Mercury	$573	$97
Auto-Owners	$592	$100
Country Financial	$612	$103
USAA	$660	$111
Progressive	$670	$113
Central Insurance	$745	$127
Allstate	$1080	$180
State Farm	$1253	$211

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 Country Financial at $100 per month and $602 for six months.

Cheapest Full Coverage Car Insurance Quotes in Union City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$602	$100
Auto-Owners Insurance Co	$794	$135
Georgia Farm Bureau	$1167	$195
Farm Bureau	$1282	$217
Auto-Owners	$1798	$303
USAA	$1798	$303
Progressive	$1855	$312
Mercury	$2143	$364
Allstate	$2190	$369
Esurance P&C Ins Co	$2306	$391
State Farm	$2726	$459

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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, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Union City, Georgia, may be increasing due to several external factors. Georgia 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

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

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Union City at $84 per month. At $9707 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$507	$84
Mercury	$602	$103
Country Financial	$718	$121
Central Insurance	$745	$127
USAA	$2974	$501
Georgia Farm Bureau	$3243	$551
Auto-Owners	$3442	$580
Farm Bureau	$4122	$700
Allstate	$7612	$1269
Progressive	$9707	$1634
State Farm	$9707	$1634

Teen Car Insurance Rates in GA by Age

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Union City, Country Financial is the cheapest car insurance provider. At $497 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Union City is Allstate, offering rates of around $4073 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$497	$82
Mercury	$583	$100
Farm Bureau	$1282	$214
Progressive	$2429	$414
USAA	$2592	$431
Auto-Owners	$4724	$803
State Farm	$10425	$1737
Allstate	$4073	$679

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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, GA, 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 AutoOwners Insurance Co and Country Financial, offering $526 and $813, respectively. State Farm is an expensive provider with an average six-month premium of $3338.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$526	$87
Country Financial	$813	$137
Encompass	$898	$150
Central Insurance	$985	$167
Farm Bureau	$1406	$235
Georgia Farm Bureau	$1435	$245
Auto-Owners	$1587	$267
USAA	$1616	$272
Progressive	$2306	$388
Allstate	$3051	$518
State Farm	$3338	$562

Union City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Union City GA. For example, the car insurance in Union City after a DUI increases to $1741 for a six month policy. While the rate increases by $546 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	$2046	$341
One Med/PIP claim	$2046	$348
One comp claim	$2056	$343
Two Med/PIP claims	$2056	$349
Not-at-fault accident	$2066	$345
Two comp claims	$2095	$356
Driving without lights	$2468	$411
Failure to wear a seat belt	$2468	$420
Child safety restraint	$2496	$415
Failure to show documents	$2496	$425
Cell phone violation	$2553	$425
Texting while driving	$2553	$435
Driving too slowly	$2592	$431
Speeding 6 - 10 MPH over limit	$2592	$441
Speeding in school zone	$2592	$431
Speeding 11 - 15 MPH over limit	$2602	$443
Driving with expired registration	$2611	$435
Failure to yield	$2611	$444
Following too closely	$2611	$435
Illegal turn	$2611	$444
Failure to stop at a red light	$2621	$436
Improper passing	$2621	$446
Speeding 16 - 20 MPH over limit	$2621	$436
Wrong way/wrong lane	$2621	$446
Speeding 21 - 25 MPH over limit	$2648	$441
Passing school bus	$2697	$459
In 65 MPH zone	$2706	$451
Open container	$2745	$467
At-fault accident - less than $1000	$2755	$459
Operating a vehicle without permission	$2792	$475
At-fault accident - $1000-$2000	$3003	$501
At-fault accident - greater than $2000	$3022	$514
Refusal to submit to a chemical test	$3539	$589
Reckless driving	$3643	$620
Racing	$3730	$621
Driving with a suspended license	$3740	$636
DUI	$3787	$631
Leaving scene of an accident/hit and run	$3883	$660

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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 Mercury at $612 for a six-month policy. However, it can be as expensive as $3099 with companies like State Farm.

Union City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$612	$105
Auto-Owners Insurance Co	$794	$132
Country Financial	$861	$145
Esurance P&C Ins Co	$1187	$198
Allstate	$1951	$332
Auto-Owners	$2133	$359
Georgia Farm Bureau	$2306	$391
Progressive	$2314	$390
USAA	$2352	$396
Farm Bureau	$2496	$415
State Farm	$3099	$522

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 AutoOwners Insurance Co at $411. However, it can be as expensive as $2755 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Union City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$411	$69
Country Financial	$449	$76
Mercury	$641	$106
Farm Bureau	$1406	$238
USAA	$1769	$295
Auto-Owners	$1818	$309
Progressive	$1913	$319
State Farm	$2927	$497
Allstate	$2755	$459

Car Insurance Price Trends in Union City, Georgia

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 dipped by $345 in January compared to $362 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Union City dipped to $114 in January, compared to $116 in December. This represents an decrease of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Union City?

The car insurance in Union City is $60 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 $100 per month for full coverage.

How much is car insurance in Union City for teenagers?

Car insurance for teenagers costs $507 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 $1053 for a six-month policy. It will cost around $285 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 Georgia

National Average

Cheapest Car Insurance Companies in Union City

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Union City Car Insurance Rates by Company

Cheap Car Insurance Companies in Union City, GA

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, GA

Cheapest Full Coverage Car Insurance in Union City

Cheapest Full Coverage Car Insurance Quotes in Union City, GA

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, GA 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,GA

If you are in your twenties N/A 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, Georgia

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, GA

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

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