Cheap Quotes for Union City, TN Car Insurance (2024)
Union City, Tennessee car insurance rates average $278 a month and Tennessee law requires coverage of at least 25/50/15. By comparing rates from multiple Union City, TN companies, you can find cheap Union City car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Union City, TN are $278/month
- Average car insurance rates in Union City, TN for senior drivers are $1,816/year
- Union City has an average commute time of 19.8 minutes
How do the Union City, Tennessee monthly average car insurance rates of $278/month compare to nearby cities like Murfreesboro car insurance rates, Hendersonville car insurance rates, and Clarksville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Union City, TN.
We’ll cover the Tennessee minimum coverage requirements, Tennessee car insurance laws, and Union City, TN statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Union City, Tennessee companies to find the most affordable Union City car insurance rates.
Enter your ZIP code above to find cheap Union City, TN car insurance quotes today.
What are the minimum Union City, TN car insurance requirements?
To meet Tennessee minimum car insurance coverage requirements, Union City, TN drivers need to carry at least 25/50/15 coverage.
| 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 |
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How do age, gender, and marital status affect Union City, TN car insurance rates?
Three of the criteria that most affect car insurance rates in Union City, Tennessee are age, gender, and marital status. Let’s take a look at how each of these stack up with top Union City car insurance companies.
| 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 |
| 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 |
How much do teen drivers pay for car insurance in Union City, TN?
Union City, Tennessee car insurance rates for teens are often higher than rates for other drivers. Compare Union City car insurance rates from multiple Union City, Tennessee car insurance companies to get the best deal.
| 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 |
| 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 |
How much do senior drivers pay for car insurance in Union City, TN?
With a little research, seniors can find affordable car insurance in Union City, Tennessee. Here’s a look at how the top Union City car insurance companies stack up.
| 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 |
| 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 |
How does coverage level affect Union City, TN car insurance rates?
How much coverage do you need? Are you comfortable with the Tennessee minimum of 25/50/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Union City, TN car insurance rates will be. Let’s take a look.
| 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 |
How does your driving record affect Union City, TN car insurance rates?
Safe driving pays off. The more traffic violations you have in Union City, TN, the higher your car insurance rates will be. Compare rates based on driving infractions from top Union City, Tennessee companies.
| 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 |
How does a DUI affect Union City, TN car insurance rates?
With even one DUI on your record, you can see an increase in your Union City, TN car insurance rates.
| 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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How does your credit history affect Union City, TN car insurance rates?
Take a look at the data here to see how your Union City, Tennessee car insurance rates are affected by your credit history.
| 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 |
How does your commute affect Union City, TN car insurance rates?
Union City, TN car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Tennessee can be seen here. Remember, though, that you may have to carry substantially more car insurance in Union City if you’re financing.
| 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 |
Who has the cheapest Union City, TN car insurance rates?
Here’s a breakdown of Union City, Tennessee car insurance rates by company. You can see which company offers the cheapest Union City car insurance rates in each category.
| 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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What are the top Union City, TN car insurance companies?
Which Union City, Tennessee car insurance company will best fit your needs and budget? Check out this comparison of the top Union City companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,746 |
| Farmers | $3,464 |
| Geico | $3,679 |
| Nationwide | $3,236 |
| Progressive | $3,561 |
| State Farm | $2,486 |
| Travelers | $2,705 |
| USAA | $2,858 |
What factors affect Union City, TN car insurance rates?
Why are Union City, Tennessee car insurance rates different than rates in Murfreesboro or Hendersonville? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
How long is the average commute in Union City, TN?
More time spent behind the wheel can lead to higher Union City, Tennessee car insurance rates. In Union City, TN, the average commute length is 19.8 minutes.
Car Insurance Quotes for Union City, TN
Shop for affordable Union City, Tennessee car insurance rates today. Enter your ZIP code to compare quotes from multiple Union City, TN car insurance companies.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.