Compare Union City, TN Car Insurance Rates (2021)

Car insurance in Union City, TN averages $302 a month. Union City, Tennessee car insurance requirements are 25/50/15, 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, TN.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 State Farm
  • The cheapest car insurance company in Union City is State Farm
  • Average car insurance rates in Union City, TN are $3,625/year

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

You’ll find Union City car insurance rates, the cheapest Union City, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Union City, Tennessee car insurance rates to Memphis car insurance rates, Johnson City car insurance rates, and Knoxville car insurance rates.

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

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

How do age, gender, and marital status affect Union City, TN car insurance rates? Every Union City, Tennessee 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, Tennessee

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 $2,790 $2,688 $2,499 $2,595 $10,202 $11,085 $2,995 $3,111
Farmers $1,857 $1,891 $1,674 $1,830 $7,422 $7,902 $2,502 $2,635
GEICO $2,507 $2,540 $2,321 $2,321 $7,225 $7,395 $2,523 $2,599
Liberty Mutual $3,519 $129 $2,896 $3,236 $14,019 $15,574 $3,771 $4,019
Nationwide $2,098 $2,121 $1,878 $1,915 $5,594 $7,251 $2,404 $2,626
Progressive $1,850 $1,755 $1,508 $1,571 $8,058 $9,082 $2,231 $2,431
State Farm $1,534 $1,534 $1,377 $1,377 $4,584 $5,744 $1,731 $2,007
Travelers $1,744 $1,836 $1,585 $1,687 $4,901 $6,074 $1,858 $1,955
USAA $1,619 $1,653 $1,459 $1,464 $5,721 $6,560 $2,120 $2,264

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Minimum Car Insurance in Union City, TN

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

Minimum Required Car Insurance Coverage in Union City, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Union City, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Union City, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $6,060 $4,633 $3,545
Farmers $4,131 $3,218 $3,043
GEICO $4,184 $3,571 $3,281
Liberty Mutual $8,456 $5,177 $4,053
Nationwide $3,894 $3,084 $2,730
Progressive $4,019 $3,448 $3,216
State Farm $3,610 $2,166 $1,683
Travelers $3,440 $2,703 $1,973
USAA $4,147 $2,426 $2,000

Cheapest Union City, TN 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, TN to rates for a clean record with top companies.

Annual Union City, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,992 $4,745 $5,696 $4,549
Farmers $2,959 $3,653 $3,747 $3,497
GEICO $2,643 $3,577 $5,852 $2,643
Liberty Mutual $4,788 $6,884 $6,406 $5,503
Nationwide $2,795 $2,795 $4,216 $3,138
Progressive $3,139 $4,060 $3,344 $3,699
State Farm $2,273 $2,700 $2,486 $2,486
Travelers $2,193 $2,818 $3,111 $2,699
USAA $2,079 $3,112 $3,661 $2,578

Cheapest Union City, TN Car Insurance for Teen Drivers

Teen car insurance in Union City, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,202 $11,085
Farmers $7,422 $7,902
GEICO $7,225 $7,395
Liberty Mutual $14,019 $15,574
Nationwide $5,594 $7,251
Progressive $8,058 $9,082
State Farm $4,584 $5,744
Travelers $4,901 $6,074
USAA $5,721 $6,560

Cheapest Union City, TN Car Insurance for Seniors

Take a look at Union City, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,499 $2,595
Farmers $1,674 $1,830
GEICO $2,321 $2,321
Liberty Mutual $2,896 $3,236
Nationwide $1,878 $1,915
Progressive $1,508 $1,571
State Farm $1,377 $1,377
Travelers $1,585 $1,687
USAA $1,459 $1,464

Cheapest Union City, TN Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,696
Farmers $3,747
GEICO $5,852
Liberty Mutual $6,406
Nationwide $4,216
Progressive $3,344
State Farm $2,486
Travelers $3,111
USAA $3,661

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Cheapest Union City, TN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Union City, TN 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, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,746 $4,746
Farmers $3,464 $3,464
GEICO $3,663 $3,694
Liberty Mutual $5,895 $5,895
Nationwide $3,236 $3,236
Progressive $3,561 $3,561
State Farm $2,427 $2,545
Travelers $2,599 $2,811
USAA $2,776 $2,939

The Best Cheap Car Insurance Companies in Union City, TN

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

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

Insurance Company Average Annual Rates
Allstate $4,746
Farmers $3,464
GEICO $3,679
Liberty Mutual $5,895
Nationwide $3,236
Progressive $3,561
State Farm $2,486
Travelers $2,705
USAA $2,858

Category Winners: Cheapest Car Insurance in Union City, Tennessee

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

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

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

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Cheapest Union City, TN 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, TN car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,581 $4,734 $4,922
Farmers $3,259 $3,446 $3,688
GEICO $3,519 $3,672 $3,846
Liberty Mutual $5,642 $5,893 $6,151
Nationwide $3,267 $3,162 $3,279
Progressive $3,355 $3,562 $3,765
State Farm $2,352 $2,497 $2,610
Travelers $2,548 $2,703 $2,864
USAA $2,764 $2,847 $2,962

What affects car insurance rates in Union City, Tennessee?

What factors can have an impact on Union City, TN 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, Tennessee.

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, TN is 19.8 minutes according to City-Data.

Compare Car Insurance Quotes in Union City, TN

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

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