Cheapest Car Insurance Quotes in Union Point

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406,175 Policies Sold

Union Point Car Insurance

^$ 38

/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 Point

The car insurance rate in Union Point is $1095 for a six-month policy, which is $42 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $389, making it a popular choice for budget-conscious drivers. Rates in Union Point 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 Point

$1095

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Union Point

1st place: Country Financial

At $389 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 $513 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 $754 for six months, making it the third cheapest auto insurance company in Union Point.

Union Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Union Point, GA is Country Financial, offering policies at just $389 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $513.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1761 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Union Point drivers find the best deals.

Cheap Car Insurance Companies in Union Point, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$389	$64
Auto-Owners Insurance Co	$513	$87
Georgia Farm Bureau	$754	$126
Farm Bureau	$828	$140
Auto-Owners	$1162	$196
USAA	$1162	$196
Progressive	$1198	$202
Mercury	$1384	$235
Allstate	$1414	$238
Esurance P&C Ins Co	$1489	$253
State Farm	$1761	$296

Key Takeaways

Way's key takeaways about car insurance in Union Point

The auto insurance costs in Union Point fall around $389 for six months.
The cheapest auto insurance company in Union Point is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Union Point at $1056 per month.

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Cheapest Minimum Liability Car Insurance in Union Point

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 Point are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Union Point. Their Average 6 Month Premium is $229. State Farm is the most expensive at $809 for the same period.

Cheapest Liability Coverage in Union Point, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$229	$38
Georgia Farm Bureau	$309	$52
Farm Bureau	$340	$58
Mercury	$370	$62
Auto-Owners	$383	$64
Country Financial	$395	$67
USAA	$426	$72
Progressive	$433	$73
Central Insurance	$482	$82
Allstate	$698	$116
State Farm	$809	$136

Cheapest Full Coverage Car Insurance in Union Point

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 Point is Country Financial at $64 per month and $389 for six months.

Cheapest Full Coverage Car Insurance Quotes in Union Point, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$389	$64
Auto-Owners Insurance Co	$513	$87
Georgia Farm Bureau	$754	$126
Farm Bureau	$828	$140
Auto-Owners	$1162	$196
USAA	$1162	$196
Progressive	$1198	$202
Mercury	$1384	$235
Allstate	$1414	$238
Esurance P&C Ins Co	$1489	$253
State Farm	$1761	$296

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Average Car Insurance in Union Point 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 Point, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Union Point, 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 Point'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 Point

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 Point,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 Point at $54 per month. At $6270 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	$328	$54
Mercury	$389	$67
Country Financial	$464	$78
Central Insurance	$482	$82
USAA	$1921	$323
Georgia Farm Bureau	$2095	$356
Auto-Owners	$2224	$374
Farm Bureau	$2662	$452
Allstate	$4917	$820
Progressive	$6270	$1056
State Farm	$6270	$1056

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 Point, Country Financial is the cheapest car insurance provider. At $321 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 Point is Allstate, offering rates of around $2631 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$321	$53
Mercury	$376	$64
Farm Bureau	$828	$138
Progressive	$1569	$267
USAA	$1674	$279
Auto-Owners	$3051	$519
State Farm	$6734	$1122
Allstate	$2631	$439

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Car Insurance Rates with An Accident in Union Point

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 Point, GA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Union Point include AutoOwners Insurance Co and Country Financial, offering $340 and $525, respectively. State Farm is an expensive provider with an average six-month premium of $2156.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$340	$56
Country Financial	$525	$88
Encompass	$580	$97
Central Insurance	$636	$108
Farm Bureau	$908	$152
Georgia Farm Bureau	$927	$158
Auto-Owners	$1025	$173
USAA	$1044	$176
Progressive	$1489	$251
Allstate	$1971	$335
State Farm	$2156	$363

Union Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Union Point GA. For example, the car insurance in Union Point after a DUI increases to $1124 for a six month policy. While the rate increases by $352 for a six-month policy in the case of a speeding ticket.

Union Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1322	$220
One Med/PIP claim	$1322	$225
One comp claim	$1328	$222
Two Med/PIP claims	$1328	$226
Not-at-fault accident	$1334	$223
Two comp claims	$1353	$230
Driving without lights	$1594	$265
Failure to wear a seat belt	$1594	$271
Child safety restraint	$1612	$268
Failure to show documents	$1612	$275
Cell phone violation	$1649	$275
Texting while driving	$1649	$281
Driving too slowly	$1674	$279
Speeding 6 - 10 MPH over limit	$1674	$285
Speeding in school zone	$1674	$279
Speeding 11 - 15 MPH over limit	$1681	$286
Driving with expired registration	$1687	$281
Failure to yield	$1687	$287
Following too closely	$1687	$281
Illegal turn	$1687	$287
Failure to stop at a red light	$1693	$282
Improper passing	$1693	$288
Speeding 16 - 20 MPH over limit	$1693	$282
Wrong way/wrong lane	$1693	$288
Speeding 21 - 25 MPH over limit	$1711	$285
Passing school bus	$1742	$296
In 65 MPH zone	$1748	$291
Open container	$1773	$302
At-fault accident - less than $1000	$1779	$296
Operating a vehicle without permission	$1803	$307
At-fault accident - $1000-$2000	$1940	$323
At-fault accident - greater than $2000	$1952	$332
Refusal to submit to a chemical test	$2286	$381
Reckless driving	$2354	$400
Racing	$2410	$401
Driving with a suspended license	$2416	$411
DUI	$2446	$408
Leaving scene of an accident/hit and run	$2508	$426

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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 Point 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 Point.

The cheapest car insurance premiums in Union Point are offered by Mercury at $395 for a six-month policy. However, it can be as expensive as $2002 with companies like State Farm.

Union Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$395	$68
Auto-Owners Insurance Co	$513	$85
Country Financial	$556	$94
Esurance P&C Ins Co	$766	$128
Allstate	$1260	$214
Auto-Owners	$1378	$232
Georgia Farm Bureau	$1489	$253
Progressive	$1494	$252
USAA	$1519	$256
Farm Bureau	$1612	$268
State Farm	$2002	$337

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 Point are offered by AutoOwners Insurance Co at $265. However, it can be as expensive as $1779 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Union Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$265	$45
Country Financial	$290	$49
Mercury	$414	$69
Farm Bureau	$908	$154
USAA	$1143	$190
Auto-Owners	$1174	$200
Progressive	$1236	$206
State Farm	$1891	$321
Allstate	$1779	$296

Car Insurance Price Trends in Union Point, Georgia

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

The average cost of full coverage in the Union Point dipped by $223 in January compared to $234 of December. In other words, there has been an decrease by $11 when you compare January and December.

The average cost of liability insurance in the Union Point dipped to $74 in January, compared to $75 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Union Point?

The car insurance in Union Point is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Union Point?

The cheapest car insurance in Union Point is $64 per month for full coverage.

How much is car insurance in Union Point for teenagers?

Car insurance for teenagers costs $328 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 Point?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $184 per month to insure your car in Union Point.

Is car insurance expensive in Union Point?

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

Cheapest Car Insurance Quotes in Union Point

Why you can trust Way?

How Much Is Car Insurance in Union Point

Avg. Car Insurance in Union Point

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Union Point

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Georgia Farm Bureau

Union Point Car Insurance Rates by Company

Cheap Car Insurance Companies in Union Point, GA

Way's key takeaways about car insurance in Union Point

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Union Point

Cheapest Liability Coverage in Union Point, GA

Cheapest Full Coverage Car Insurance in Union Point

Cheapest Full Coverage Car Insurance Quotes in Union Point, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Union Point by Rating Factor

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

Car Insurance Premiums by Age in Union Point

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties N/A is the best choice for car insurance in Union Point.

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 Point

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

Union Point Car Insurance Rates by Violation

Union Point auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Union Point after a DUI

Union Point car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Union Point after Speeding ticket

Car Insurance Price Trends in Union Point, Georgia

Average Car Insurance Cost in Union Point by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Union Point, GA

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

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