Compare Union, NJ Car Insurance Rates (2021)

Car insurance in Union, NJ averages $616 a month. Union, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Union car insurance rates, compare quotes from the top car insurance companies in Union, NJ.

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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

  • Average car insurance rates in Union, NJ after a DUI are $8,719/year
  • The cheapest car insurance company in Union for teen drivers is GEICO
  • Average car insurance rates in Union, NJ are $7,392/year

If you need to buy Union, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Union, NJ is right here.

You’ll find Union car insurance rates, the cheapest Union, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Union, New Jersey car insurance rates to Union City car insurance rates, Jersey City car insurance rates, and Newark car insurance rates.

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

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

How do age, gender, and marital status affect Union, NJ car insurance rates? Every Union, New Jersey 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, New Jersey

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 $4,503 $4,484 $4,388 $4,388 $14,047 $16,865 $5,332 $5,408
Farmers $6,689 $6,774 $6,507 $6,368 $20,015 $23,102 $7,979 $8,167
GEICO $2,879 $2,826 $2,809 $2,809 $5,235 $5,178 $3,318 $3,206
Liberty Mutual $6,114 $6,114 $6,724 $6,724 $16,011 $18,183 $6,724 $7,735
Progressive $2,671 $2,459 $2,403 $2,475 $12,460 $13,699 $3,175 $3,026
State Farm $5,973 $5,973 $5,408 $5,408 $19,769 $25,394 $6,823 $7,619
Travelers $3,969 $3,828 $3,668 $3,691 $8,870 $9,967 $3,833 $3,780

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Minimum Car Insurance in Union, NJ

Every driver must carry the minimum car insurance in Union, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Union, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Union, NJ Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Union, New Jersey

Insurance Company Poor Fair Good
Allstate $10,454 $6,625 $5,202
Farmers $12,802 $9,930 $9,369
GEICO $5,349 $3,052 $2,196
Liberty Mutual $11,805 $8,723 $7,346
Progressive $5,945 $5,174 $4,769
State Farm $14,932 $8,976 $6,981
Travelers $7,049 $5,110 $3,444

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

Annual Union, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,577 $9,280 $8,069 $6,782
Farmers $8,267 $14,152 $11,412 $8,970
GEICO $2,732 $3,614 $5,051 $2,732
Liberty Mutual $8,918 $10,224 $9,105 $8,918
Progressive $4,533 $6,134 $5,206 $5,312
State Farm $5,560 $10,186 $16,422 $9,015
Travelers $3,977 $5,961 $5,769 $5,096

Cheapest Union, NJ Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Union, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,047 $16,865
Farmers $20,015 $23,102
GEICO $5,235 $5,178
Liberty Mutual $16,011 $18,183
Progressive $12,460 $13,699
State Farm $19,769 $25,394
Travelers $8,870 $9,967

Cheapest Union, NJ Car Insurance for Seniors

Take a look at Union, NJ 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, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,388 $4,388
Farmers $6,507 $6,368
GEICO $2,809 $2,809
Liberty Mutual $6,724 $6,724
Progressive $2,403 $2,475
State Farm $5,408 $5,408
Travelers $3,668 $3,691

Cheapest Union, NJ Car Insurance Rates After a DUI

A DUI in Union, NJ increases car insurance rates. Compare Union, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Union, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,069
Farmers $11,412
GEICO $5,051
Liberty Mutual $9,105
Progressive $5,206
State Farm $16,422
Travelers $5,769

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Cheapest Union, NJ Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Union, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,414 $7,440
Farmers $10,700 $10,700
GEICO $3,502 $3,562
Liberty Mutual $9,200 $9,383
Progressive $5,296 $5,296
State Farm $10,023 $10,569
Travelers $5,201 $5,201

The Best Cheap Car Insurance Companies in Union, NJ

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

Average Annual Car Insurance Rates by Company in Union, New Jersey

Insurance Company Average Annual Rates
Allstate $7,427
Farmers $10,700
GEICO $3,532
Liberty Mutual $9,291
Progressive $5,296
State Farm $10,296
Travelers $5,201

Category Winners: Cheapest Car Insurance in Union, New Jersey

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

Best Annual Car Insurance Rates by Company in Union, New Jersey

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

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Cheapest Union, NJ Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Union, New Jersey

Insurance Company Low Medium High
Allstate $6,800 $7,544 $7,937
Farmers $9,612 $10,609 $11,880
GEICO $3,158 $3,599 $3,841
Liberty Mutual $8,318 $9,571 $9,985
Progressive $4,776 $5,372 $5,740
State Farm $9,513 $10,439 $10,935
Travelers $4,722 $5,194 $5,686

What affects car insurance rates in Union, New Jersey?

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

Commute Time in Union

The more time you spend in your car the higher the risk of an accident. The average commute length in Union, NJ is 34.7 minutes according to City-Data.

Compare Car Insurance Quotes in Union, NJ

Ready to find affordable Union, New Jersey car insurance today? Enter your ZIP code for fast, free Union, NJ car insurance quotes.

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