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Union Car Insurance
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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.
The car insurance rate in Union is $705 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 $359, making it a popular choice for budget-conscious drivers. Rates in Union 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.
At $359 for a six month policy, Concord Group offers the cheapest auto insurance rates in the city.
Travelers offers auto insurance rates at $454 for a six-month policy, making it one of the cheapest to insure with.
Vermont Mutual offers auto insurance rates at $460 for six months, making it the third cheapest auto insurance company in Union.
Based on our research, the cheapest car insurance company in Union, ME is Concord Group, offering policies at just $359 for a six-month term. This is followed by Travelers, which has an average six-month premium of $454.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1178 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Union drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $359 | $59 |
| Travelers | $454 | $76 |
| Vermont Mutual | $460 | $77 |
| USAA | $497 | $84 |
| Auto-Owners | $585 | $98 |
| Progressive | $705 | $119 |
| MMG | $775 | $130 |
| Concord | $818 | $139 |
| Allstate | $932 | $157 |
| State Farm | $995 | $167 |
| Farmers | $1178 | $196 |
Save up to $971/yr with our auto insurance quotes
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 are given below.
MMG provides the cheapest minimum car insurance coverage in Union. Their Average 6 Month Premium is $152. Electric is the most expensive at $233 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| MMG | $152 | $25 |
| USAA | $158 | $27 |
| Auto-Owners | $163 | $28 |
| Vermont Mutual | $163 | $28 |
| Concord Group | $182 | $31 |
| Frankenmuth | $195 | $33 |
| Travelers | $220 | $37 |
| Progressive | $264 | $45 |
| State Farm | $283 | $48 |
| Allstate | $347 | $58 |
| Concord | $289 | $49 |
| Farmers | $308 | $52 |
| Electric | $233 | $39 |
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 is Concord Group at $59 per month and $359 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $359 | $59 |
| Travelers | $454 | $76 |
| Vermont Mutual | $460 | $77 |
| USAA | $497 | $84 |
| Auto-Owners | $585 | $98 |
| Progressive | $705 | $119 |
| MMG | $775 | $130 |
| Concord | $818 | $139 |
| Allstate | $932 | $157 |
| State Farm | $995 | $167 |
| Farmers | $1178 | $196 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Union, Maine, may be increasing due to several external factors. Maine 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's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, AutoOwners provides the cheapest car insurance in the Union at $38 per month. At $4351 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $227 | $38 |
| Concord Group | $252 | $42 |
| Vermont Mutual | $252 | $42 |
| Patriot Insurance | $277 | $47 |
| Countryway Insurance | $283 | $48 |
| Travelers | $793 | $134 |
| USAA | $957 | $161 |
| Concord | $1619 | $269 |
| MMG | $2135 | $363 |
| State Farm | $2386 | $402 |
| Allstate | $2519 | $424 |
| Progressive | $2707 | $456 |
| Sentry | $3022 | $514 |
| Farmers | $4351 | $725 |
Teen Car Insurance Rates in ME by Age
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.
For those with poor credit scores in Union, Concord Group is the cheapest car insurance provider. At $289 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 is State Farm, offering rates of around $4118 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Concord Group | $289 | $49 |
| Countryway Insurance | $328 | $56 |
| Vermont Mutual | $353 | $58 |
| Travelers | $579 | $98 |
| USAA | $781 | $130 |
| Allstate | $869 | $146 |
| MMG | $1058 | $176 |
| Progressive | $1215 | $207 |
| Concord | $1435 | $240 |
| Sentry | $1694 | $288 |
| Farmers | $3733 | $622 |
| State Farm | $4118 | $701 |
Save up to $971/yr on car insurance rates in Union.
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, ME, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Union include Vermont Mutual and AutoOwners, offering $163 and $259, respectively. Farmers is an expensive provider with an average six-month premium of $2437.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Vermont Mutual | $163 | $28 |
| Auto-Owners | $259 | $43 |
| Patriot Insurance | $259 | $43 |
| Concord Group | $264 | $45 |
| Electric | $340 | $56 |
| Travelers | $473 | $80 |
| USAA | $478 | $81 |
| MMG | $497 | $84 |
| State Farm | $850 | $143 |
| Progressive | $1253 | $211 |
| Concord | $1285 | $214 |
| Allstate | $1429 | $241 |
| Sentry | $1542 | $258 |
| Farmers | $2437 | $414 |
Here is a list of driving violations that can increase your car insurance rates in Union ME. For example, the car insurance in Union after a DUI increases to $535 for a six month policy. While the rate increases by $139 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $649 | $108 |
| One Med/PIP claim | $655 | $111 |
| Two Med/PIP claims | $686 | $114 |
| One comp claim | $692 | $118 |
| Not-at-fault accident | $699 | $117 |
| Driving without lights | $737 | $125 |
| Failure to show documents | $743 | $124 |
| Failure to wear a seat belt | $749 | $127 |
| Child safety restraint | $756 | $126 |
| Two comp claims | $769 | $130 |
| Driving with expired registration | $781 | $130 |
| Driving too slowly | $788 | $134 |
| Speeding 11 - 15 MPH over limit | $788 | $131 |
| Speeding 6 - 10 MPH over limit | $788 | $134 |
| Speeding in school zone | $788 | $131 |
| Following too closely | $793 | $135 |
| Illegal turn | $793 | $133 |
| In 65 MPH zone | $793 | $135 |
| Failure to stop at a red light | $799 | $134 |
| Failure to yield | $799 | $136 |
| Improper passing | $799 | $134 |
| Speeding 16 - 20 MPH over limit | $806 | $137 |
| Speeding 21 - 25 MPH over limit | $806 | $135 |
| Wrong way/wrong lane | $806 | $137 |
| Passing school bus | $837 | $140 |
| Cell phone violation | $856 | $145 |
| Texting while driving | $876 | $146 |
| At-fault accident - less than $1000 | $894 | $152 |
| Open container | $938 | $157 |
| Operating a vehicle without permission | $957 | $163 |
| At-fault accident - $1000-$2000 | $976 | $162 |
| At-fault accident - greater than $2000 | $989 | $169 |
| Racing | $1096 | $182 |
| Driving with a suspended license | $1127 | $192 |
| Reckless driving | $1127 | $188 |
| DUI | $1184 | $201 |
| Refusal to submit to a chemical test | $1184 | $197 |
| Leaving scene of an accident/hit and run | $1253 | $213 |
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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.
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.
The cheapest car insurance premiums in Union are offered by AutoOwners at $270 for a six-month policy. However, it can be as expensive as $5296 with companies like Sentry.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $270 | $46 |
| Countryway Insurance | $277 | $47 |
| Concord Group | $296 | $50 |
| Travelers | $504 | $85 |
| Progressive | $718 | $121 |
| MMG | $749 | $126 |
| USAA | $762 | $128 |
| State Farm | $1140 | $192 |
| Allstate | $1240 | $209 |
| Concord | $1379 | $234 |
| Farmers | $2795 | $466 |
| Sentry | $5296 | $900 |
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 are offered by Vermont Mutual at $145. However, it can be as expensive as $1851 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Vermont Mutual | $145 | $24 |
| Concord Group | $208 | $35 |
| Travelers | $484 | $82 |
| USAA | $535 | $91 |
| State Farm | $655 | $110 |
| MMG | $882 | $149 |
| Progressive | $1039 | $173 |
| Concord | $1064 | $181 |
| Allstate | $1171 | $195 |
| Sentry | $1304 | $222 |
| Farmers | $1851 | $308 |
Car insurance rates in Union have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Union rose by $162 in February compared to $138 of January. In other words, there has been an increase by $24 when you compare February and January.
The average cost of liability insurance in the Union dipped to $36 in February, compared to $39 in January. This represents an decrease of $3 when comparing February and January.
How much is car insurance in Union?
The car insurance in Union is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Union?
The cheapest car insurance in Union is $59 per month for full coverage.
How much is car insurance in Union for teenagers?
Car insurance for teenagers costs $227 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?
The average cost of car insurance is $665 for a six-month policy. It will cost around $118 per month to insure your car in Union.
Is car insurance expensive in Union?
Car insurance can be expensive in Union if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Union can be affordable.
What is the best car insurance in Union, ME?
The best car insurance company in Union ME is Concord Group, offering $359 for a six-month policy.
Cut auto insurance costs in Union right now.