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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:
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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?
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.
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