Cheap Car Insurance in Union, N.J.: Affordable Rates (2023)

We recommend Geico, NJM Insurance, Plymouth Rock, Selective and Progressive as the best car insurance options in Union, N.J. On top of competitive rates, these companies boast reliable customer service while offering competitive and unique insurance services.

Keep reading: Cheap Car Insurance

Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.

Our data shows that minimum-coverage insurance in Union costs $139 per month or $1,664 per year on average. This is about 166% more than the national average of $52 per month or $625 per year. Similarly, full-coverage insurance costs $251 per month or $3,017 per year on average, which is about 50% more expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest Liability Car Insurance in Union, N.J.

Geico offers the cheapest liability insurance, with average rates of $63 per month or $754 per year. NJM Insurance is the second-cheapest option in Union with average rates of $64 per month or $764 per year.

Liability coverage is the minimum coverage required by the state of New Jersey. According to New Jersey law, all drivers must either meet or exceed the following minimum requirements:

• $5,000 property damage liability per accident
• $15,000 personal injury protection

Cheapest Full-Coverage Car Insurance in Union, N.J.

Full-coverage car insurance can be pricey in Union. Full coverage includes liability plus comprehensive insurance and collision insurance, which protect against damage to your vehicle in a variety of situations. Geico is the cheapest full-coverage option with average rates of $143 per month or $1,715 per year.

Car insurance costs can be influenced by multiple factors, so the cheapest company for one driver may not be the most ideal option for you. Within this section, we’ll take a closer look at the average auto insurance prices in Union for different things that companies use to set rates, like a motorist’s history, age, credit score and ZIP code.

Union Car Insurance Cost by Age

Car insurance coverage rates are higher for teenagers because there is a greater chance that they may get into a car accident or break traffic laws. Our data shows 16-year-olds pay about $572 per month or $6,862 per year for car insurance in Union, N.J.

As drivers age into their 20s and progress into middle age, the cost of car insurance goes down. When drivers near the end of their 50s, premiums begin to rise again. The table below displays the average minimum-coverage car insurance costs for different age groups in Union, N.J.

Cheapest Car Insurance in Union, N.J.: Teen Drivers

Car insurance for teens is expensive, but some providers tend to be more affordable than others. Our data shows Geico is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $124 per month or $1,493 per year. NJM Insurance, Travelers and State Farm also offer affordable car insurance premiums for Union teens.

Union Car Insurance Cost by Credit Score

In most states (including New Jersey), providers are allowed to use a driver’s credit score to set their auto insurance rate. Drivers with higher credit scores may pay less for car coverage, but if you have a lower credit score, the cost of car insurance could be a lot higher than the average. 

Cheapest Car Insurance in Union, N.J.: Poor Credit

Our rate data shows NJM Insurance is the cheapest option for car insurance for bad credit in Union. The company offers minimum-coverage policies to drivers with poor credit for rates of $105 per month or $1,257 per year. This is 12% more than the overall state average for minimum coverage for good credit.

Union Car Insurance Cost by Driving Record

Drivers who’ve violated traffic laws or caused car accidents can expect a spiked increase in car insurance costs. Some infractions include speeding, running a stop sign or driving under the influence (DUI). On average, speeding can increase your rates by 97%, an at-fault accident by 156% and a DUI by 173%.

Different companies have different average price increases. If you have any violations on your driving record, NJM Insurance is the most ideal company to look into. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Keep reading: Insurance rates for high-risk drivers

Cheapest Car Insurance in Union, N.J.: Speeding Ticket

According to our data, Geico offers the cheapest rates to drivers who have a speeding ticket on their records — $63 per month or $754 per year. NJM Insurance follows close behind with an average monthly rate of $76, while Plymouth Rock, Progressive and Selective round out the top five options for cheap speeding ticket car insurance in Union.

Cheapest Car Insurance in Union, N.J.: At-Fault Accident

A history of being responsible for car accidents can result in higher rates compared to getting speeding tickets. NJM Insurance and Geico are the cheapest options here, with average rates of about $64 per month and $87 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.

Cheapest Car Insurance in Union, N.J.: DUI

Driving under the influence (DUI) is a significant offense that may cause a substantial increase in your auto insurance rates, sometimes up to several hundred dollars per year in Union. 

NJM Insurance is very cheap compared to other companies — it offers average rates of $76 per month or $915 per year for drivers with a DUI. Plymouth Rock, Geico and Progressive are also good options with rates under $141 per month on average.

Although car insurance rates in Union are significantly higher than the national average, drivers seeking cheaper coverage can still find it with several companies. Geico provides the lowest-cost minimum coverage in the city, at roughly $63 per month on average. The same company offers the cheapest full-coverage car insurance policies for drivers in Union, with monthly premiums as low as $143.

Compare free quotes to find the company that meets your New Jersey car insurance needs at the best rate. You can get auto insurance quotes online or from insurance agents. It’s also good to consider how you feel about other types of insurance products that a company offers, like homeowners or renters insurance, life insurance, or business insurance.

Here are some frequently asked questions about the cheapest auto insurance in Union, N.J.:

*Cost data comes from Quadrant Information Services and is accurate at time of publication.