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Cheap Auto Insurance Quotes in Union City, NJ (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Stephen DeFord
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Union City is $342 per month, or $4104 annually.
- Car insurance in Union City is $102 more than the average cost of car insurance in New Jersey.
- The cheapest car insurance provider in Union City on average is Travelers, but you should always compare quotes to find your best personal rate.
Car Insurance in Union City, NJ
The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Union City, NJ to find you the cheapest quotes in the area.
Quotes by Top Companies
Progressive$121
Liberty Mutual$266
Travelers$274
Allstate$331
State Farm$441
Cheapest Car Insurance in Union City, NJ
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Union City | Quotes |
|---|---|
| Progressive | $121 /mo |
| Liberty Mutual | $266 /mo |
| Travelers | $274 /mo |
| Allstate | $331 /mo |
| State Farm | $441 /mo |
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Average Car Insurance Cost
| New Jersey Cities | |
|---|---|
| Newark | $317/mo |
| Jersey City | $303/mo |
| Paterson | $304/mo |
| Elizabeth | $294/mo |
| Union City | $287/mo |
| New Jersey | $301/mo |
Union City$287
Elizabeth$294
Average for NJ$301
Jersey City$303
Paterson$304
Newark$317
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Minimum Car Insurance Requirements in NJ
New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:
-
$5,000 of property damage liability per accident
The standard policy liability limits are as follows:
- $15,000 of bodily injury liability insurance per person, per accident
- $30,000 of bodily injury liability for multiple injured people per accident
- $5,000 of property damage liability per accident
Find local Union City agents
Fiorentino Anillo Insurance and Financial LLC
3401 Palisade Avenue,
Union City, NJ 07087Hudson Agency Services
1301 Summit Ave A,
Union City, NJ 07087My Financial Solutions USA - Taxes, Insurance and Real Estate
733 32nd St,
Union City, NJ 07087Inter-America Insurance LLC
2911 Summit Ave # 102,
Union City, NJ 07087Gonzalez & Company Insurance Agency
5833 John F. Kennedy Blvd,
North Bergen, NJ 07047Freeway Insurance
1306 John F. Kennedy Blvd,
Union City, NJ 07087Diaz Insurance Agency
815 Bergenline Ave,
Union City, NJ 07087Fiorentino Anillo Insurance
202 38th St,
Union City, NJ 07087Svalencia Insurance agency
3613 New York Ave,
Union City, NJ 07087Candida Seymour - State Farm Insurance Agent
4017 Bergenline Ave,
Union City, NJ 07087
FAQs - Union City, NJ Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Union City Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Union City, New Jersey below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Union City drivers measure up to their fellow motorists across New Jersey in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Union City
#26
City with the Most Speeding Tickets Rank in New Jersey
#56
City with the Most Moving Violations Rank in New Jersey
#20
City with the Most DUIs Rank in New Jersey
#34
City with the Most Suspended Licenses in New Jersey
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Union City drivers rank 30 in the number of car accidents per driver across all cities in New Jersey.
- Rank within state: #30
- Percent of drivers in Union City with an accident: 6.31%
- Drivers in Union City, NJ with an accident in their driving history pay on average 0% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Union City drivers rank 26 in the number of speeding infractions per driver.
- Rank within state: #26
- Percent of drivers in Union City with a speeding ticket: 3.47%
- Drivers in Union City, NJ with a speeding ticket in their driving history pay on average 0% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Union City drivers rank 20 in the number of DUI’s per driver across all cities in New Jersey.
- Rank within state: #20
- Percent of drivers in Union City with a DUI: 0.95%
- Drivers in Union City, NJ with a DUI in their driving history pay on average 0% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Union City is the Honda Accord.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.