Buy Cheap Union City, NJ Auto Insurance (2021)

Union City, NJ auto insurance rates average $661 a month. Minimum auto insurance requirements in Union City, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Union City, NJ, compare Union City auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Union City, NJ for teens drivers are $14,777/year
  • The most expensive auto insurance company in Union City after a DUI is State Farm
  • The most expensive auto insurance company in Union City is Farmers

Finding affordable Union City, New Jersey auto insurance can be challenging, but everything you need to know to buy cheap Union City, NJ auto insurance with confidence is right here. Auto insurance rates in Union City are affected by local factors as well as personal ones like your driving record.

See how Union City, NJ car insurance rates compare to Clifton auto insurance rates, Camden auto insurance rates, and Trenton auto insurance rates before you read more about the cost of auto insurance in Union City.

Don’t buy Union City, NJ auto insurance until you’ve compared rates. Get free Union City, New Jersey auto insurance quotes when you enter your ZIP code above.

Union City, NJ Minimum Auto Insurance Requirements

The required auto insurance in Union City, NJ is 15/30/5 according to the auto insurance laws in New Jersey. The minimum auto insurance in Union City, New Jersey is outlined here.

Minimum Required Auto Insurance Coverage in Union City, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Find Cheap Union City, NJ Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Union City, NJ. Take a look at Union City, New Jersey auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Union City, New Jersey

Insurance Company Poor Fair Good
Allstate $11,106 $7,017 $5,516
Farmers $13,993 $10,808 $10,180
GEICO $5,410 $3,085 $2,220
Liberty Mutual $12,285 $9,074 $7,639
Progressive $6,377 $5,523 $5,072
State Farm $16,173 $9,715 $7,552
Travelers $8,069 $5,819 $3,888

Buy Cheap Union City, NJ Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Union City, New Jersey auto insurance rates? Find out how car insurance rates in Union City, NJ are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Union City, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,772 $4,752 $4,653 $4,653 $14,911 $17,907 $5,654 $5,735
Farmers $7,389 $7,459 $7,196 $7,008 $21,672 $24,907 $8,779 $8,875
GEICO $2,904 $2,858 $2,843 $2,843 $5,316 $5,226 $3,358 $3,226
Liberty Mutual $6,360 $6,360 $6,997 $6,997 $16,656 $18,915 $6,997 $8,048
Progressive $2,888 $2,648 $2,589 $2,686 $13,310 $14,495 $3,425 $3,219
State Farm $6,433 $6,433 $5,840 $5,840 $21,475 $27,566 $7,361 $8,227
Travelers $4,557 $4,371 $4,210 $4,218 $10,100 $11,260 $4,382 $4,303

Buy Cheap Union City, NJ Auto Insurance for Teen Drivers

Auto insurance for teenagers in Union City can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Union City, NJ are listed here.

Annual Auto Insurance Rates for Teen Drivers in Union City, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,911 $17,907
Farmers $21,672 $24,907
GEICO $5,316 $5,226
Liberty Mutual $16,656 $18,915
Progressive $13,310 $14,495
State Farm $21,475 $27,566
Travelers $10,100 $11,260

Buy Cheap Union City, NJ Auto Insurance for Seniors

You can save on senior auto insurance rates in Union City, New Jersey by comparing Union City senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Union City, NJ here.

Annual Auto Insurance Rates for Senior Drivers in Union City, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,653 $4,653
Farmers $7,196 $7,008
GEICO $2,843 $2,843
Liberty Mutual $6,997 $6,997
Progressive $2,589 $2,686
State Farm $5,840 $5,840
Travelers $4,210 $4,218

Find Cheap Auto Insurance Rates in Union City, NJ by Coverage Level

The amount of coverage you choose is a big factor in the cost of Union City, New Jersey auto insurance. Compare Union City, NJ auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Union City, New Jersey

Insurance Company Low Medium High
Allstate $7,199 $8,006 $8,434
Farmers $10,438 $11,570 $12,973
GEICO $3,160 $3,642 $3,914
Liberty Mutual $8,619 $9,964 $10,415
Progressive $5,129 $5,741 $6,103
State Farm $10,282 $11,305 $11,854
Travelers $5,398 $5,916 $6,461

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Find Cheap Union City, NJ Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Union City. Compare auto insurance rates in Union City, NJ by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Union City, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,866 $7,894
Farmers $11,660 $11,660
GEICO $3,541 $3,603
Liberty Mutual $9,571 $9,761
Progressive $5,658 $5,658
State Farm $10,850 $11,444
Travelers $5,925 $5,925

Find Cheap Union City, NJ Auto Insurance Rates by Driving Record

Auto insurance rates in Union City, New Jersey are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Union City, NJ, take a look at the average cost for various violations versus rates for a clean driving record in Union City.

Annual Union City, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,916 $9,859 $8,551 $7,194
Farmers $9,021 $15,374 $12,510 $9,737
GEICO $2,764 $3,654 $5,106 $2,764
Liberty Mutual $9,277 $10,638 $9,472 $9,277
Progressive $4,813 $6,570 $5,570 $5,678
State Farm $6,013 $11,032 $17,780 $9,762
Travelers $4,519 $6,813 $6,573 $5,796

Find Cheap Union City, NJ Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Union City, New Jersey is higher than for a clean driving record. You can buy auto insurance after a DUI in Union City for less when you shop around and compare rates from multiple Union City, NJ auto insurance companies.

Annual Auto Insurance Rates After a DUI in Union City, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,551
Farmers $12,510
GEICO $5,106
Liberty Mutual $9,472
Progressive $5,570
State Farm $17,780
Travelers $6,573

Winners by Category: Where to Buy Cheap Auto Insurance in Union City, NJ

Compare rates from the cheapest auto insurance companies in Union City, NJ for your needs. Take a look at how Union City, New Jersey auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Union City, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

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Find Cheap Union City, New Jersey Auto Insurance Companies

If you’re looking for the cheapest Union City, NJ auto insurance companies overall, you can compare them here. Find the best price for Union City, New Jersey car insurance by company.

Average Annual Auto Insurance Rates by Company in Union City, New Jersey

Insurance Company Average Annual Rates
Allstate $7,880
Farmers $11,660
GEICO $3,572
Liberty Mutual $9,666
Progressive $5,658
State Farm $11,147
Travelers $5,925

What affects Union City, New Jersey auto insurance rates?

Local factors affect auto insurance rates in Union City, NJ, including traffic, theft statistics, and commute length. Take a look at the things that impact Union City auto insurance rates.

Commute Times in Union City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Union City, NJ is 34.7 minutes according to City-Data.

Compare Auto Insurance Quotes in Union City, NJ

You can buy cheap Union City, NJ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Union City, New Jersey auto insurance quotes from top companies.

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