Cheapest Car Insurance Quotes in Union City

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Union City Car Insurance

^$ 82

/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 $1560 for a six-month policy, which is $438 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

$1560

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

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: NJM

NJM offers auto insurance rates at $1280 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1297 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 NJM, which has an average six-month premium of $1280.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1412 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	$182
NJM	$1280	$215
New Jersey Skylands Insurance	$1297	$221
Progressive	$1312	$221
Plymouth Rock	$1396	$235
Allstate	$1578	$265
Travelers	$1626	$274
State Farm	$1733	$292
Amica Mutual	$1817	$309
Selective	$1890	$316
Farmers	$2303	$392
National General	$1412	$240

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 $1466 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. National General is the most expensive at $520 for the same period.

Cheapest Liability Coverage in Union City, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$495	$82
Plymouth Rock	$620	$104
Progressive	$620	$104
NJM	$669	$113
New Jersey Skylands Insurance	$727	$121
State Farm	$735	$124
Amica Mutual	$744	$124
Travelers	$744	$125
Amica	$851	$142
Selective	$899	$153
Allstate	$924	$156
Farmers	$1494	$254
National General	$520	$89

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 $182 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	$182
NJM	$1280	$215
New Jersey Skylands Insurance	$1297	$221
Progressive	$1312	$221
Plymouth Rock	$1396	$235
Allstate	$1578	$265
Travelers	$1626	$274
State Farm	$1733	$292
Amica Mutual	$1817	$309
Selective	$1890	$316
Farmers	$2303	$392
National General	$1412	$240

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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 $8628 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
Selective	$933	$156
NJM	$1421	$239
New Jersey Manufacturers	$2460	$410
Travelers	$3443	$580
Plymouth Rock	$3690	$621
Allstate	$3699	$623
Progressive	$4030	$678
Amica Mutual	$4351	$739
State Farm	$4772	$803
Farmers	$8628	$1466

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 Farmers, offering rates of around $7794 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	$1536	$259
Progressive	$1553	$261
Plymouth Rock	$2014	$339
Allstate	$3443	$585
Travelers	$4954	$826
State Farm	$7538	$1282
Farmers	$7794	$1300

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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 $899, respectively. National General is an expensive provider with an average six-month premium of $603.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$876	$146
NJM	$899	$152
New Jersey Manufacturers	$1131	$189
Plymouth Rock	$1140	$192
Selective	$1312	$218
Amica Mutual	$1404	$236
Progressive	$1750	$295
State Farm	$2676	$450
Travelers	$2823	$475
Allstate	$3938	$663
Farmers	$7108	$1184
National General	$603	$100

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 $983 for a six-month policy. However, it can be as expensive as $7175 with companies like Amica Mutual.

Union City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$983	$165
NJM	$1081	$182
Foremost	$1115	$189
Progressive	$1255	$211
Mercury	$1289	$220
New Jersey Manufacturers	$1387	$231
Selective	$1469	$250
Allstate	$2098	$353
Travelers	$2188	$368
State Farm	$6383	$1074
Farmers	$7068	$1202
Amica Mutual	$7175	$1195

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 $899. However, it can be as expensive as $3253 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	$899	$152
NJM	$1140	$192
Progressive	$1289	$217
State Farm	$1825	$310
Allstate	$2758	$460
Travelers	$2898	$493
Farmers	$3253	$542

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 $342 in December compared to $338 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Union City rose to $120 in December, compared to $115 in November. This represents an increase of $5 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 $82 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 $182 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 $1122 for a six-month policy. It will cost around $263 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: NJM

3rd place: New Jersey Skylands Insurance

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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