Cheapest Car Insurance Quotes in Union City

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Union City Car Insurance

^$ 85

/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 $1721 for a six-month policy, which is $483 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1073, 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

$1721

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Union City

1st place: New Jersey Manufacturers

At $1073 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1297 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1312 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, NJ is New Jersey Manufacturers, offering policies at just $1073 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1297.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2865 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, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1073	$179
New Jersey Skylands Insurance	$1297	$221
NJM	$1312	$221
Plymouth Rock	$1429	$240
Progressive	$1503	$253
Travelers	$1601	$270
Amica Mutual	$1817	$303
Allstate	$1874	$316
State Farm	$2022	$341
Selective	$2138	$360
Farmers	$2865	$478

Key Takeaways

Way's key takeaways about car insurance in Union City

The auto insurance costs in Union City fall around $1073 for six months.
The cheapest auto insurance company in Union City is New Jersey Manufacturers.
Teen drivers pay the highest rate in Union City at $1454 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.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Union City. Their Average 6 Month Premium is $495. Farmers is the most expensive at $1429 for the same period.

Cheapest Liability Coverage in Union City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$495	$85
Plymouth Rock	$669	$113
NJM	$685	$115
New Jersey Skylands Insurance	$727	$121
Amica Mutual	$744	$126
Amica	$851	$142
Progressive	$851	$143
Travelers	$876	$147
State Farm	$916	$154
Allstate	$1016	$171
Selective	$1131	$190
Farmers	$1429	$238

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 New Jersey Manufacturers at $179 per month and $1073 for six months.

Cheapest Full Coverage Car Insurance Quotes in Union City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1073	$179
New Jersey Skylands Insurance	$1297	$221
NJM	$1312	$221
Plymouth Rock	$1429	$240
Progressive	$1503	$253
Travelers	$1601	$270
Amica Mutual	$1817	$303
Allstate	$1874	$316
State Farm	$2022	$341
Selective	$2138	$360
Farmers	$2865	$478

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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, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Union City, New Jersey, may be increasing due to several external factors. New Jersey 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	NJM	$1066
30s	NJM	$828
40s	NJM	$767
50s	NJM	$708
60s	NJM	$652

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

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Union City at $126 per month. At $8554 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$744	$126
NJM	$1486	$250
New Jersey Manufacturers	$2460	$418
Travelers	$3468	$584
Selective	$3757	$632
Plymouth Rock	$3898	$656
Amica Mutual	$4351	$739
Allstate	$4723	$795
Progressive	$4772	$803
State Farm	$5656	$952
Farmers	$8554	$1454

Teen Car Insurance Rates in NJ by Age

Way Tip

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

As young drivers face the highest rates in Union City, NJM offers the cheapest auto insurance rates at $1066 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, Amica Mutual is the cheapest car insurance provider. At $908 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 $10048 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$908	$154
New Jersey Skylands Insurance	$1140	$190
Foremost	$1272	$217
NJM	$1593	$268
Progressive	$2047	$345
Plymouth Rock	$2114	$356
Farmers	$3797	$646
Selective	$4392	$733
Travelers	$4690	$798
Allstate	$4912	$819
State Farm	$10048	$1708

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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, NJ, 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 New Jersey Skylands Insurance and NJM, offering $876 and $933, respectively. Farmers is an expensive provider with an average six-month premium of $5549.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$876	$146
NJM	$933	$157
New Jersey Manufacturers	$1131	$189
Plymouth Rock	$1180	$199
Amica Mutual	$1404	$236
Progressive	$1974	$332
Selective	$2676	$450
Travelers	$2741	$461
State Farm	$3171	$534
Allstate	$4954	$834
Farmers	$5549	$924

Union City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Union City NJ. For example, the car insurance in Union City after a DUI increases to $1751 for a six month policy. While the rate increases by $240 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	$1610	$268
One Med/PIP claim	$1618	$275
Not-at-fault accident	$1693	$282
One comp claim	$1710	$291
Two Med/PIP claims	$1718	$286
Speeding 6 - 10 MPH over limit	$1850	$314
Speeding 11 - 15 MPH over limit	$1858	$310
Two comp claims	$1858	$316
Failure to show documents	$1882	$314
At-fault accident - less than $1000	$1907	$324
Failure to wear a seat belt	$1932	$322
Driving too slowly	$1940	$329
Driving without lights	$1949	$325
Child safety restraint	$1982	$336
Driving with expired registration	$1982	$331
Wrong way/wrong lane	$2014	$342
Failure to yield	$2022	$338
Failure to stop at a red light	$2031	$345
Illegal turn	$2064	$345
Cell phone violation	$2089	$356
Texting while driving	$2089	$348
Speeding in school zone	$2123	$361
Operating a vehicle without permission	$2131	$354
Speeding 16 - 20 MPH over limit	$2131	$363
Improper passing	$2180	$363
Following too closely	$2188	$373
Passing school bus	$2278	$379
In 65 MPH zone	$2295	$391
Speeding 21 - 25 MPH over limit	$2370	$395
At-fault accident - $1000-$2000	$2435	$414
At-fault accident - greater than $2000	$2452	$409
Open container	$2741	$466
Reckless driving	$3212	$535
Leaving scene of an accident/hit and run	$3336	$567
DUI	$3361	$560
Refusal to submit to a chemical test	$3361	$571
Racing	$3369	$562
Driving with a suspended license	$3501	$595

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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 Plymouth Rock at $1016 for a six-month policy. However, it can be as expensive as $7588 with companies like State Farm.

Union City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1016	$171
Foremost	$1115	$186
NJM	$1123	$189
Mercury	$1289	$214
New Jersey Manufacturers	$1387	$236
Progressive	$1412	$238
Travelers	$2131	$359
Allstate	$2551	$430
Selective	$3137	$528
Farmers	$3617	$603
Amica Mutual	$7175	$1220
State Farm	$7588	$1277

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 Plymouth Rock at $941. However, it can be as expensive as $4855 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Union City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$941	$158
NJM	$1197	$202
Progressive	$1651	$278
Selective	$2378	$396
State Farm	$2410	$410
Travelers	$2766	$461
Allstate	$4030	$685
Farmers	$4855	$809

Car Insurance Price Trends in Union City, New Jersey

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 $403 in January compared to $342 of December. In other words, there has been an increase by $61 when you compare January and December.

The average cost of liability insurance in the Union City rose to $135 in January, compared to $120 in December. This represents an increase of $15 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 $85 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 $179 per month for full coverage.

How much is car insurance in Union City for teenagers?

Car insurance for teenagers costs $744 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 $1238 for a six-month policy. It will cost around $289 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 New Jersey

National Average

Cheapest Car Insurance Companies in Union City

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Union City Car Insurance Rates by Company

Cheap Car Insurance Companies in Union City, NJ

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, NJ

Cheapest Full Coverage Car Insurance in Union City

Cheapest Full Coverage Car Insurance Quotes in Union City, NJ

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, NJ 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,NJ

If you are in your twenties NJM 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, New Jersey

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, NJ

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

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