Cheapest Car Insurance Quotes in Union City

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Union City Car Insurance

^$ 54

/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 $1508 for a six-month policy, which is $482 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $550, 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

$1508

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Union City

1st place: Country Financial

At $550 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 $725 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $969 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 $550 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $725.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2112 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	$550	$94
Auto-Owners Insurance Co	$725	$121
Farm Bureau	$969	$165
Georgia Farm Bureau	$1066	$178
Auto-Owners	$1554	$262
USAA	$1607	$270
Progressive	$1895	$319
Mercury	$1957	$326
Allstate	$2061	$347
Esurance P&C Ins Co	$2105	$351
State Farm	$2112	$356

Key Takeaways

Way's key takeaways about car insurance in Union City

The auto insurance costs in Union City fall around $550 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 $1808 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.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Union City. Their Average 6 Month Premium is $323. Allstate is the most expensive at $1108 for the same period.

Cheapest Liability Coverage in Union City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$323	$54
Farm Bureau	$410	$69
Georgia Farm Bureau	$437	$74
Auto-Owners	$523	$88
Mercury	$523	$88
Country Financial	$559	$94
USAA	$585	$98
Progressive	$647	$109
Central Insurance	$681	$113
State Farm	$1004	$169
Allstate	$1108	$187

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 $94 per month and $550 for six months.

Cheapest Full Coverage Car Insurance Quotes in Union City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$550	$94
Auto-Owners Insurance Co	$725	$121
Farm Bureau	$969	$165
Georgia Farm Bureau	$1066	$178
Auto-Owners	$1554	$262
USAA	$1607	$270
Progressive	$1895	$319
Mercury	$1957	$326
Allstate	$2061	$347
Esurance P&C Ins Co	$2105	$351
State Farm	$2112	$356

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$1044
30s	Georgia Farm Bureau	$835
40s	Georgia Farm Bureau	$801
50s	Georgia Farm Bureau	$767
60s	Georgia Farm Bureau	$761
70s	Georgia Farm Bureau	$922

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 $76 per month. At $10740 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$463	$76
Mercury	$550	$94
Country Financial	$656	$110
Central Insurance	$681	$116
USAA	$2584	$435
Auto-Owners	$2839	$478
Georgia Farm Bureau	$2961	$494
Farm Bureau	$3091	$526
State Farm	$7657	$1289
Allstate	$7701	$1297
Progressive	$10740	$1808

Teen Car Insurance Rates in GA by Age

Way Tip

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

As young drivers face the highest rates in Union City, Georgia Farm Bureau offers the cheapest auto insurance rates at $1044 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.

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 $454 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 State Farm, offering rates of around $6593 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$454	$75
Mercury	$532	$91
Farm Bureau	$969	$162
USAA	$2105	$357
Progressive	$3249	$541
Auto-Owners	$3415	$581
Allstate	$3719	$620
State Farm	$6593	$1122

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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 $481 and $742, respectively. Allstate is an expensive provider with an average six-month premium of $3161.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$481	$79
Country Financial	$742	$125
Encompass	$820	$137
Central Insurance	$900	$153
Farm Bureau	$1066	$178
Georgia Farm Bureau	$1310	$223
Auto-Owners	$1327	$223
USAA	$1423	$240
Progressive	$2628	$442
State Farm	$2664	$448
Allstate	$3161	$532

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 $1589 for a six month policy. While the rate increases by $499 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	$1868	$312
One Med/PIP claim	$1868	$318
One comp claim	$1877	$313
Two Med/PIP claims	$1877	$319
Not-at-fault accident	$1886	$315
Two comp claims	$1912	$325
Driving without lights	$2254	$375
Failure to wear a seat belt	$2254	$384
Child safety restraint	$2279	$379
Failure to show documents	$2279	$388
Cell phone violation	$2331	$388
Texting while driving	$2331	$397
Driving too slowly	$2367	$394
Speeding 6 - 10 MPH over limit	$2367	$403
Speeding in school zone	$2367	$394
Speeding 11 - 15 MPH over limit	$2376	$404
Driving with expired registration	$2384	$397
Failure to yield	$2384	$406
Following too closely	$2384	$397
Illegal turn	$2384	$406
Failure to stop at a red light	$2393	$398
Improper passing	$2393	$407
Speeding 16 - 20 MPH over limit	$2393	$398
Wrong way/wrong lane	$2393	$407
Speeding 21 - 25 MPH over limit	$2418	$403
Passing school bus	$2462	$419
In 65 MPH zone	$2471	$412
Open container	$2506	$426
At-fault accident - less than $1000	$2515	$419
Operating a vehicle without permission	$2549	$434
At-fault accident - $1000-$2000	$2742	$457
At-fault accident - greater than $2000	$2759	$469
Refusal to submit to a chemical test	$3231	$538
Reckless driving	$3327	$566
Racing	$3406	$567
Driving with a suspended license	$3415	$581
DUI	$3457	$576
Leaving scene of an accident/hit and run	$3546	$603

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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 $559 for a six-month policy. However, it can be as expensive as $2515 with companies like Progressive.

Union City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$559	$96
Auto-Owners Insurance Co	$725	$121
Country Financial	$786	$132
Esurance P&C Ins Co	$1083	$181
Auto-Owners	$1729	$291
Farm Bureau	$1877	$313
USAA	$2034	$343
Georgia Farm Bureau	$2105	$351
State Farm	$2279	$384
Allstate	$2409	$406
Progressive	$2515	$423

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 $375. However, it can be as expensive as $2855 with companies like Progressive 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	$375	$63
Country Financial	$410	$69
Mercury	$585	$100
Farm Bureau	$1066	$178
Auto-Owners	$1301	$221
USAA	$1414	$235
State Farm	$1851	$315
Allstate	$2515	$419
Progressive	$2855	$485

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 rose by $331 in December compared to $325 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Union City rose to $106 in December, compared to $100 in November. This represents an increase of $6 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 $54 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 $94 per month for full coverage.

How much is car insurance in Union City for teenagers?

Car insurance for teenagers costs $463 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 $1026 for a six-month policy. It will cost around $253 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: 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 Georgia Farm Bureau 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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Data Sources