Compare Union City, IN Car Insurance Rates (2021)

Car insurance in Union City, IN averages $257 a month. Union City, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Union City car insurance rates, compare quotes from the top car insurance companies in Union City, IN.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Union City for teen drivers is USAA
  • Average car insurance rates in Union City, IN after a DUI are $3,657/year
  • Average car insurance rates in Union City, IN are $3,080/year

If you need to buy Union City, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Union City, IN is right here.

You’ll find Union City car insurance rates, the cheapest Union City, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Union City, Indiana car insurance rates to Fishers car insurance rates, South Bend car insurance rates, and Indianapolis car insurance rates.

Ready to find affordable Union City, IN car insurance today? Enter your ZIP code for fast, free Union City car insurance quotes.

Cheapest Union City, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Union City, IN car insurance rates? Every Union City, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Union City, Indiana

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 $2,395 $2,455 $2,102 $2,300 $7,310 $9,213 $2,436 $2,647
American Family $2,016 $2,016 $1,815 $1,815 $5,542 $8,024 $2,016 $2,487
Farmers $1,589 $1,569 $1,366 $1,526 $8,319 $8,886 $2,072 $2,239
GEICO $1,421 $1,418 $1,334 $1,389 $4,188 $3,889 $1,625 $1,432
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,539 $1,574 $1,351 $1,442 $4,458 $5,787 $1,803 $1,970
Progressive $1,470 $1,391 $1,333 $1,340 $8,621 $9,708 $1,841 $1,883
State Farm $1,356 $1,356 $1,209 $1,209 $4,121 $5,278 $1,500 $1,670
Travelers $1,063 $1,083 $992 $994 $6,400 $10,119 $1,120 $1,304
USAA $993 $979 $918 $928 $2,738 $3,074 $1,341 $1,440

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Minimum Car Insurance in Union City, IN

Every driver must carry the minimum car insurance in Union City, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Union City, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Union City, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Union City, IN. Compare credit history car insurance rates in Union City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Union City, Indiana

Insurance Company Poor Fair Good
Allstate $4,783 $3,557 $3,232
American Family $4,398 $2,858 $2,394
Farmers $4,024 $3,278 $3,035
GEICO $2,509 $2,087 $1,665
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,835 $2,396 $2,240
Progressive $3,804 $3,367 $3,174
State Farm $3,223 $1,923 $1,491
Travelers $3,212 $2,722 $2,719
USAA $2,099 $1,377 $1,178

Cheapest Union City, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Union City, IN to rates for a clean record with top companies.

Annual Union City, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,082 $4,519 $4,166 $3,662
American Family $2,215 $3,546 $4,467 $2,638
Farmers $3,091 $3,590 $3,693 $3,408
GEICO $1,372 $2,152 $2,924 $1,900
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,144 $2,759 $2,646 $2,413
Progressive $2,591 $4,518 $3,089 $3,596
State Farm $2,160 $2,369 $2,160 $2,160
Travelers $2,453 $3,026 $3,427 $2,631
USAA $1,174 $1,665 $1,913 $1,453

Cheapest Union City, IN Car Insurance for Teen Drivers

Teen car insurance in Union City, IN can be expensive. Take a look at rates from the top car insurance companies in Union City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Union City, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,310 $9,213
American Family $5,542 $8,024
Farmers $8,319 $8,886
GEICO $4,188 $3,889
Liberty Mutual $8,383 $12,656
Nationwide $4,458 $5,787
Progressive $8,621 $9,708
State Farm $4,121 $5,278
Travelers $6,400 $10,119
USAA $2,738 $3,074

Cheapest Union City, IN Car Insurance for Seniors

Take a look at Union City, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Union City, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,102 $2,300
American Family $1,815 $1,815
Farmers $1,366 $1,526
GEICO $1,334 $1,389
Liberty Mutual $3,522 $3,522
Nationwide $1,351 $1,442
Progressive $1,333 $1,340
State Farm $1,209 $1,209
Travelers $992 $994
USAA $918 $928

Cheapest Union City, IN Car Insurance Rates After a DUI

A DUI in Union City, IN increases car insurance rates. Compare Union City, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Union City, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,166
American Family $4,467
Farmers $3,693
GEICO $2,924
Liberty Mutual $8,085
Nationwide $2,646
Progressive $3,089
State Farm $2,160
Travelers $3,427
USAA $1,913

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Cheapest Union City, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Union City, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Union City, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,857 $3,857
American Family $3,178 $3,255
Farmers $3,446 $3,446
GEICO $2,049 $2,125
Liberty Mutual $5,455 $5,752
Nationwide $2,490 $2,490
Progressive $3,448 $3,448
State Farm $2,150 $2,275
Travelers $2,884 $2,884
USAA $1,531 $1,572

The Best Cheap Car Insurance Companies in Union City, IN

Take a look at a side-by-side comparison of the top car insurance companies in Union City, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Union City, Indiana

Insurance Company Average Annual Rates
Allstate $3,857
American Family $3,217
Farmers $3,446
GEICO $2,087
Liberty Mutual $5,604
Nationwide $2,490
Progressive $3,448
State Farm $2,212
Travelers $2,884
USAA $1,551

Category Winners: Cheapest Car Insurance in Union City, Indiana

Find the cheapest car insurance companies in Union City, IN for each category right here.

Best Annual Car Insurance Rates by Company in Union City, Indiana

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

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Cheapest Union City, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Union City car insurance rates. Find the cheapest Union City, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Union City, Indiana

Insurance Company Low Medium High
Allstate $3,674 $3,842 $4,056
American Family $3,186 $3,324 $3,140
Farmers $3,324 $3,440 $3,573
GEICO $1,945 $2,081 $2,235
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,537 $2,470 $2,464
Progressive $3,267 $3,397 $3,681
State Farm $2,107 $2,211 $2,318
Travelers $2,832 $2,911 $2,910
USAA $1,504 $1,548 $1,602

What affects car insurance rates in Union City, Indiana?

What factors can have an impact on Union City, IN car insurance? There are several reasons why Union City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Union City, Indiana.

Commute Time in Union City

The more time you spend in your car the higher the risk of an accident. The average commute length in Union City, IN is 25.3 minutes according to City-Data.

Compare Car Insurance Quotes in Union City, IN

Ready to find affordable Union City, Indiana car insurance today? Enter your ZIP code for fast, free Union City, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State