Cheapest Car Insurance Quotes in Union City

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Union City Car Insurance

^$ 19

/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 $682 for a six-month policy, which is $67 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $265, 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

$682

Avg. Car Insurance in Indiana

$749

National Average

$1278

Cheapest Car Insurance Companies in Union City

1st place: American Family

At $265 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $368 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $373 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, IN is American Family, offering policies at just $265 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $368.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1384 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, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$265	$45
Auto-Owners Insurance Co	$368	$63
Westfield	$373	$62
Nationwide	$465	$78
Hastings Mutual	$519	$87
USAA	$530	$89
Hastings Insurance	$584	$97
Progressive	$616	$104
Travelers	$616	$104
Auto-Owners	$697	$117
Farm Bureau	$892	$148
State Farm	$989	$167
Allstate	$1249	$210
Farmers	$1384	$236

Key Takeaways

Way's key takeaways about car insurance in Union City

The auto insurance costs in Union City fall around $265 for six months.
The cheapest auto insurance company in Union City is Westfield.
Teen drivers pay the highest rate in Union City at $601 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.

Westfield provides the cheapest minimum car insurance coverage in Union City. Their Average 6 Month Premium is $114. Farmers is the most expensive at $497 for the same period.

Cheapest Liability Coverage in Union City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$114	$19
American Family	$146	$25
Auto-Owners Insurance Co	$151	$25
USAA	$151	$25
Hastings Mutual	$162	$27
Indiana Farmers	$167	$28
Progressive	$195	$33
Auto-Owners	$200	$34
Grange	$200	$34
Travelers	$211	$35
SafeAuto	$222	$37
Farm Bureau	$270	$46
State Farm	$270	$46
Allstate	$470	$79
Farmers	$497	$83

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 American Family at $45 per month and $265 for six months.

Cheapest Full Coverage Car Insurance Quotes in Union City, IN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$265	$45
Auto-Owners Insurance Co	$368	$63
Westfield	$373	$62
Nationwide	$465	$78
Hastings Mutual	$519	$87
USAA	$530	$89
Hastings Insurance	$584	$97
Progressive	$616	$104
Travelers	$616	$104
Auto-Owners	$697	$117
Farm Bureau	$892	$148
State Farm	$989	$167
Allstate	$1249	$210
Farmers	$1384	$236

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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, IN increasing?

Despite maintaining a clean driving record, your car insurance rates in Union City, Indiana, may be increasing due to several external factors. Indiana 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
30s	USAA	$349
40s	USAA	$328
50s	USAA	$310
60s	USAA	$323
70s	Buckeye Insurance Group	$345

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Union City at $23 per month. At $3530 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
American Family	$151	$25
Auto-Owners Insurance Co	$195	$33
Grange	$211	$35
USAA	$594	$100
Travelers	$767	$129
Progressive	$833	$140
Auto-Owners	$2043	$348
Allstate	$2664	$444
State Farm	$2822	$480
Farm Bureau	$3140	$523
Farmers	$3530	$601

Teen Car Insurance Rates in IN by Age

Way Tip

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

As young drivers face the highest rates in Union City, USAA offers the cheapest auto insurance rates at $349 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, Westfield is the cheapest car insurance provider. At $217 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 $4043 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$217	$36
American Family	$227	$38
Nationwide	$254	$43
Grange	$270	$46
Progressive	$692	$116
Travelers	$697	$117
USAA	$811	$138
Allstate	$1081	$182
Farm Bureau	$1827	$310
Auto-Owners	$2260	$377
Farmers	$2260	$384
State Farm	$4043	$674

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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, IN, 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 American Family and AutoOwners Insurance Co, offering $184 and $211, respectively. Allstate is an expensive provider with an average six-month premium of $2232.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$184	$31
Auto-Owners Insurance Co	$211	$35
Indiana Farmers	$217	$36
Grange	$238	$40
USAA	$416	$70
Travelers	$481	$81
Auto-Owners	$502	$85
Progressive	$513	$86
State Farm	$703	$118
Farmers	$1103	$186
Farm Bureau	$1324	$221
Allstate	$2232	$379

Union City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Union City IN. For example, the car insurance in Union City after a DUI increases to $686 for a six month policy. While the rate increases by $168 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	$746	$125
One Med/PIP claim	$746	$126
Not-at-fault accident	$789	$132
Two Med/PIP claims	$800	$136
One comp claim	$805	$135
Failure to show documents	$844	$144
Failure to wear a seat belt	$849	$141
Two comp claims	$854	$146
Child safety restraint	$865	$144
Driving without lights	$865	$147
Driving with expired registration	$897	$149
Speeding 6 - 10 MPH over limit	$914	$156
Driving too slowly	$919	$153
Failure to yield	$919	$157
Following too closely	$919	$153
Illegal turn	$919	$157
Speeding in school zone	$919	$153
Cell phone violation	$925	$157
Speeding 11 - 15 MPH over limit	$925	$154
Texting while driving	$925	$157
Wrong way/wrong lane	$925	$154
Failure to stop at a red light	$930	$158
Improper passing	$935	$156
Speeding 16 - 20 MPH over limit	$935	$159
At-fault accident - less than $1000	$946	$157
Passing school bus	$962	$164
Speeding 21 - 25 MPH over limit	$1011	$168
At-fault accident - $1000-$2000	$1043	$177
In 65 MPH zone	$1059	$177
At-fault accident - greater than $2000	$1065	$181
Operating a vehicle without permission	$1140	$190
Open container	$1151	$196
Racing	$1400	$233
Reckless driving	$1405	$239
Refusal to submit to a chemical test	$1421	$237
DUI	$1432	$244
Leaving scene of an accident/hit and run	$1460	$243
Driving with a suspended license	$1471	$250

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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 American Family at $184 for a six-month policy. However, it can be as expensive as $2481 with companies like Farmers.

Union City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$184	$31
Grange	$335	$57
Travelers	$508	$86
Progressive	$513	$86
USAA	$627	$106
Farm Bureau	$1043	$176
State Farm	$1054	$177
Allstate	$1151	$194
Auto-Owners	$1589	$268
Hastings Mutual	$1708	$290
Farmers	$2481	$413

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 Westfield at $140. However, it can be as expensive as $1741 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
Westfield	$140	$24
American Family	$184	$31
Auto-Owners Insurance Co	$195	$33
Travelers	$546	$92
Progressive	$557	$94
USAA	$557	$93
State Farm	$594	$100
Auto-Owners	$805	$135
Farm Bureau	$1070	$182
Farmers	$1719	$287
Allstate	$1741	$296

Car Insurance Price Trends in Union City, Indiana

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 $142 in January compared to $122 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Union City rose to $37 in January, compared to $35 in December. This represents an increase 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 $19 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 $45 per month for full coverage.

How much is car insurance in Union City for teenagers?

Car insurance for teenagers costs $136 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 $749 for a six-month policy. It will cost around $115 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 Indiana

National Average

Cheapest Car Insurance Companies in Union City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Union City Car Insurance Rates by Company

Cheap Car Insurance Companies in Union City, IN

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, IN

Cheapest Full Coverage Car Insurance in Union City

Cheapest Full Coverage Car Insurance Quotes in Union City, IN

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, IN 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,IN

If you are in your twenties USAA 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, Indiana

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, IN

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

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