Cheap Quotes for Union City, TN Car Insurance (2021)

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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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • 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.

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

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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.

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
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.

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
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.

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
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.

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

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.

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

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.

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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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.

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

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.

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

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.

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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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.

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
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

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