Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Table of contents
What should residents of Union City expect to pay for their car insurance? Are rates in Union City higher or lower than those in neighboring areas? How do they compare to the rest of Georgia? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:
How much is car insurance in Union City?
Area | Average Monthly Car Insurance Premium |
---|---|
Union City | $127 |
GA | $105 |
United States | $80 |
Car insurance policies in Union City are about $22 a month more expensive than the rest of Georgia.
Likewise, residents of Union City might expect to pay higher rates for coverage than the rest of the country. It's about $47 more expensive for coverage in Union City than the average rates for the U.S. as a whole.
While these are the average car insurance rates for Union City, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
We've done the heavy lifting for you and broken down the average rate for Union City so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Union City Car Insurance Rates by Age
Age Range | Average Premium |
---|---|
Under 18 | Not Enough Data |
18-24 | $204 |
25-34 | $129 |
35-44 | $115 |
45-54 | Not Enough Data |
55-64 | $88 |
65+ | $101 |
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement age, however, you may see your rates begin to increase again in Union City.
Union City Car Insurance Rates by Gender
Gender | Average |
---|---|
Male | $136 |
Female | $120 |
On average, female drivers pay slightly less than male drivers for car insurance. The difference in Union City is around $16 per month. As illustrated in the table above, male drivers in the area pay about $136 on average, while female drivers pay around $120 each month.
Union City Auto Insurance Rates by Driving Record
Infractions | Average Monthly Premium |
---|---|
1 Accident | $191 |
Multiple Accidents | $233 |
1 Ticket | $142 |
Multiple Tickets | $197 |
Rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Union City, a driving record with a single accident will usually get you a rate around $191 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $142 on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Union City Insurance Rates by Vehicle
Vehicle Age | Average Monthly Premium |
---|---|
Less Than 1 Year | $143 |
2-3 Years | $129 |
4-5 Years | $201 |
6-7 Years | $143 |
8-10 Years | $122 |
11-14 Years | $122 |
15 Years or Older | $111 |
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Union City, with drivers paying around $113 per month to insure their vehicle.
SUV drivers will see rates of about $118, while the rates for car owners average out to about $130 a month.
Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Union City are vehicles four-to-five years old.
Union City Car Insurance Rates by Relationship Status
Relationship | Average Monthly Premium |
---|---|
Single (never married) | $133 |
Married | $103 |
Divorced | $94 |
Widowed | $83 |
On average, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Union City, with married couples paying about $30 less per month.
Union City Car Insurance Rates by Housing Situation
Housing Status | Average Monthly Premium |
---|---|
Own | $117 |
Rent | $131 |
Live with parents | $132 |
Your housing status is another factor that affects your monthly rate. Homeowners in Union City can expect to pay around $14 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Recent trends in car insurance for Union City drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
The rates for auto insurance in Union City went up consistently from 2017-2021. Rates finished down in 2022, at $109.
How does Union City compare to neighboring areas?
Why are car insurance rates in Union City different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
Amount of drivers in the region
Road Safety (frequency of local car accidents)
Off-street parking access
Area crime rates
Laws
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Union City?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Union City.
Union City Auto Insurance FAQs
Why is the cost of car insurance in Union City different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Union City?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Union City?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Union City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
Related articles
)
Best Cheap Car Insurance in Georgia (From $60)
)
Georgia Auto Insurance Requirements (2024)
)
Georgia Automobile Insurance Plan Explained
)
Top 5 Cheapest Places to Live in Georgia
)
Georgia Driver's Manual: What You Need to Know
)
Everything You Need to Know About Driving in Georgia
)
What is GEICS and How Does It Affect My Insurance?
)
Six-Month vs. 12-Month Car Insurance
)
Atlanta vs Savannah | What's the Best City for Driving in Georgia?

Bremen, GA Car Insurance Quotes for 2024

Braselton, GA Car Insurance Quotes for 2024

Blackshear, GA Car Insurance Quotes for 2024

Bethlehem, GA Car Insurance Quotes for 2024

Baxley, GA Car Insurance Quotes for 2024

Barnesville, GA Car Insurance Quotes for 2024

Auburn, GA Car Insurance Quotes for 2024

Americus, GA Car Insurance Quotes for 2024

Adairsville, GA Car Insurance Quotes for 2024

Acworth, GA Car Insurance Quotes for 2024

Douglas, GA Car Insurance Quotes for 2024

Dawsonville, GA Car Insurance Quotes for 2024

Dalton, GA Car Insurance Quotes for 2024

Dahlonega, GA Car Insurance Quotes for 2024

Dacula, GA Car Insurance Quotes for 2024

Cordele, GA Car Insurance Quotes for 2024

Conley, GA Car Insurance Quotes for 2024

Commerce, GA Car Insurance Quotes for 2024

Cleveland, GA Car Insurance Quotes for 2024

Clarkston, GA Car Insurance Quotes for 2024

Chickamauga, GA Car Insurance Quotes for 2024

Chatsworth, GA Car Insurance Quotes for 2024

Cedartown, GA Car Insurance Quotes for 2024

Cartersville, GA Car Insurance Quotes for 2024

Carrollton, GA Car Insurance Quotes for 2024

Canton, GA Car Insurance Quotes for 2024

Calhoun, GA Car Insurance Quotes for 2024

Byron, GA Car Insurance Quotes for 2024

Buford, GA Car Insurance Quotes for 2024

Brunswick, GA Car Insurance Quotes for 2024

Hephzibah, GA Car Insurance Quotes for 2024

Hazlehurst, GA Car Insurance Quotes for 2024

Hartwell, GA Car Insurance Quotes for 2024

Hampton, GA Car Insurance Quotes for 2024

Guyton, GA Car Insurance Quotes for 2024

Grovetown, GA Car Insurance Quotes for 2024

Grayson, GA Car Insurance Quotes for 2024

Franklin, GA Car Insurance Quotes for 2024

Fort Valley, GA Car Insurance Quotes for 2024

Forest Park, GA Car Insurance Quotes for 2024

Flowery Branch, GA Car Insurance Quotes for 2024

Fayetteville, GA Car Insurance Quotes for 2024

Fairburn, GA Car Insurance Quotes for 2024

Evans, GA Car Insurance Quotes for 2024

Ellijay, GA Car Insurance Quotes for 2024

Ellenwood, GA Car Insurance Quotes for 2024

Elberton, GA Car Insurance Quotes for 2024

Eatonton, GA Car Insurance Quotes for 2024

Eastman, GA Car Insurance Quotes for 2024

Dublin, GA Car Insurance Quotes for 2024

Milledgeville, GA Car Insurance Quotes for 2024

Mableton, GA Car Insurance Quotes for 2024

Lula, GA Car Insurance Quotes for 2024

Loganville, GA Car Insurance Quotes for 2024

Locust Grove, GA Car Insurance Quotes for 2024

Lithia Springs, GA Car Insurance Quotes for 2024

Lilburn, GA Car Insurance Quotes for 2024

Leesburg, GA Car Insurance Quotes for 2024

Lagrange, GA Car Insurance Quotes for 2024

La Fayette, GA Car Insurance Quotes for 2024

Kingsland, GA Car Insurance Quotes for 2024

Kennesaw, GA Car Insurance Quotes for 2024

Jesup, GA Car Insurance Quotes for 2024

Jefferson, GA Car Insurance Quotes for 2024

Jasper, GA Car Insurance Quotes for 2024

Jackson, GA Car Insurance Quotes for 2024

Hull, GA Car Insurance Quotes for 2024

Hoschton, GA Car Insurance Quotes for 2024

Hiram, GA Car Insurance Quotes for 2024

Hinesville, GA Car Insurance Quotes for 2024

Statesboro, GA Car Insurance Quotes for 2024

Roswell, GA Car Insurance Quotes for 2024

Rossville, GA Car Insurance Quotes for 2024

Rockmart, GA Car Insurance Quotes for 2024

Ringgold, GA Car Insurance Quotes for 2024

Rincon, GA Car Insurance Quotes for 2024

Richmond Hill, GA Car Insurance Quotes for 2024

Rex, GA Car Insurance Quotes for 2024

Powder Springs, GA Car Insurance Quotes for 2024

Port Wentworth, GA Car Insurance Quotes for 2024

Pooler, GA Car Insurance Quotes for 2024

Perry, GA Car Insurance Quotes for 2024

Peachtree Corners, GA Car Insurance Quotes for 2024

Peachtree City, GA Car Insurance Quotes for 2024

Oxford, GA Car Insurance Quotes for 2024

Newnan, GA Car Insurance Quotes for 2024

Moultrie, GA Car Insurance Quotes for 2024

Morrow, GA Car Insurance Quotes for 2024

Montezuma, GA Car Insurance Quotes for 2024

Monroe, GA Car Insurance Quotes for 2024

Winder, GA Car Insurance Quotes for 2024

Waynesboro, GA Car Insurance Quotes for 2024

Waycross, GA Car Insurance Quotes for 2024

Warner Robins, GA Car Insurance Quotes for 2024

Villa Rica, GA Car Insurance Quotes for 2024

Valdosta, GA Car Insurance Quotes for 2024

Tunnel Hill, GA Car Insurance Quotes for 2024

Tucker, GA Car Insurance Quotes for 2024

Toccoa, GA Car Insurance Quotes for 2024

Tifton, GA Car Insurance Quotes for 2024

Thomson, GA Car Insurance Quotes for 2024

Thomasville, GA Car Insurance Quotes for 2024

Thomaston, GA Car Insurance Quotes for 2024

Temple, GA Car Insurance Quotes for 2024

Tallapoosa, GA Car Insurance Quotes for 2024

Sylvania, GA Car Insurance Quotes for 2024

Suwanee, GA Car Insurance Quotes for 2024

Summerville, GA Car Insurance Quotes for 2024

Sharpsburg, GA Car Insurance Quotes for 2024

Woodstock, GA Car Insurance Quotes for 2024

Duluth, GA Car Insurance Quotes for 2024

Douglasville, GA Car Insurance Quotes for 2024

Decatur, GA Car Insurance Quotes for 2024

Dallas, GA Car Insurance Quotes for 2024

Cumming, GA Car Insurance Quotes for 2024

Covington, GA Car Insurance Quotes for 2024

Conyers, GA Car Insurance Quotes for 2024

Austell, GA Car Insurance Quotes for 2024

Athens, GA Car Insurance Quotes for 2024

Alpharetta, GA Car Insurance Quotes for 2024

Albany, GA Car Insurance Quotes for 2024

Stone Mountain, GA Car Insurance Quotes for 2024

Stockbridge, GA Car Insurance Quotes for 2024

Snellville, GA Car Insurance Quotes for 2024

Smyrna, GA Car Insurance Quotes for 2024

Rome, GA Car Insurance Quotes for 2024

Riverdale, GA Car Insurance Quotes for 2024

Norcross, GA Car Insurance Quotes for 2024

Mcdonough, GA Car Insurance Quotes for 2024

Marietta, GA Car Insurance Quotes for 2024

Macon, GA Car Insurance Quotes for 2024

Lithonia, GA Car Insurance Quotes for 2024

Lawrenceville, GA Car Insurance Quotes for 2024

Jonesboro, GA Car Insurance Quotes for 2024

Griffin, GA Car Insurance Quotes for 2024
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.