Best Cheap Auto Insurance in Union, MI (2021)

The average Union, MI auto insurance rates are $753 per month. The minimum auto insurance in Union is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Union, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Union is 29.0 minutes
  • The most expensive auto insurance company in Union for teen drivers is Allstate
  • Average auto insurance rates in Union, MI for senior drivers are $5,960 per year

Union, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Union can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Union, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Union to other Michigan cities, including Warren auto insurance rates, Dearborn auto insurance rates, and Sterling Heights auto insurance rates to see how Union, Michigan auto insurance rates stack up.

Before you buy Union, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Union, Michigan auto insurance quotes.

Minimum Auto Insurance in Union, Michigan

Union, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Union, Michigan.

Minimum Required Auto Insurance Coverage in Union, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Union, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Union, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Union, Michigan

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 $14,495 $14,495 $13,463 $13,463 $35,811 $35,811 $15,269 $15,269
Farmers $4,322 $4,322 $4,029 $4,029 $9,927 $9,927 $4,866 $4,866
GEICO $3,582 $3,582 $3,673 $3,673 $10,348 $10,348 $3,427 $3,427
Liberty Mutual $13,713 $13,713 $13,578 $13,578 $32,196 $32,196 $13,713 $13,713
Nationwide $3,891 $3,891 $3,472 $3,472 $10,126 $10,126 $4,260 $4,260
Progressive $2,826 $2,637 $2,509 $2,772 $10,551 $11,327 $3,293 $3,075
State Farm $7,071 $7,071 $6,583 $6,583 $24,932 $24,932 $8,298 $8,298
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,565 $2,424 $2,416 $2,279 $6,230 $5,899 $3,117 $2,981

Cheap Union, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Union, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Union, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Union, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $35,811 $35,811
Farmers $9,927 $9,927
GEICO $10,348 $10,348
Liberty Mutual $32,196 $32,196
Nationwide $10,126 $10,126
Progressive $10,551 $11,327
State Farm $24,932 $24,932
Travelers $13,395 $13,395
USAA $6,230 $5,899

Cheap Union, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Union, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Union, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,463 $13,463
Farmers $4,029 $4,029
GEICO $3,673 $3,673
Liberty Mutual $13,578 $13,578
Nationwide $3,472 $3,472
Progressive $2,509 $2,772
State Farm $6,583 $6,583
Travelers $3,858 $3,858
USAA $2,416 $2,279

Cheap Union, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Union, Michigan compared to the annual auto insurance rates with a clean record in Union, Michigan.

Annual Union, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $9,666 $12,916 $42,972 $13,486
Farmers $4,856 $6,202 $6,118 $5,968
GEICO $1,834 $3,922 $11,865 $3,409
Liberty Mutual $12,709 $15,412 $28,745 $16,333
Nationwide $4,659 $6,208 $5,642 $5,239
Progressive $4,142 $5,422 $4,884 $5,048
State Farm $7,430 $8,922 $19,370 $11,161
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,808 $3,502 $4,588 $3,058

Cheap Union, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Union, Michigan is not easy. Compare the annual rates for DUI auto insurance in Union, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Union, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $42,972
Farmers $6,118
GEICO $11,865
Liberty Mutual $28,745
Nationwide $5,642
Progressive $4,884
State Farm $19,370
Travelers $10,331
USAA $4,588

Cheap Union, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Union, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Union, Michigan

Insurance Company Poor Fair Good
Allstate $29,986 $16,601 $12,692
Farmers $7,593 $5,075 $4,690
GEICO $6,755 $4,970 $4,047
Liberty Mutual $28,944 $16,719 $9,237
Nationwide $6,799 $5,136 $4,375
Progressive $5,595 $4,737 $4,290
State Farm $19,015 $9,618 $6,530
Travelers $6,813 $6,608 $6,525
USAA $5,208 $2,984 $2,274

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Cheap Union, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Union, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Union, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Union, Michigan

ZIP Code Average Annual Rates
49130 $6,326

Cheap Union, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Union, Michigan auto insurance. Find the cheapest annual Union, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Union, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $19,760 $19,760
Farmers $5,786 $5,786
GEICO $5,139 $5,376
Liberty Mutual $17,672 $18,928
Nationwide $5,437 $5,437
Progressive $4,874 $4,874
State Farm $11,397 $12,045
Travelers $6,611 $6,686
USAA $3,449 $3,529

Cheap Union, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Union, Michigan? Check out the comparison of annual Union, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Union, Michigan

Insurance Company Low Medium High
Allstate $19,255 $19,804 $20,220
Farmers $5,630 $5,772 $5,955
GEICO $4,854 $5,206 $5,712
Liberty Mutual $17,826 $18,254 $18,820
Nationwide $5,635 $5,360 $5,316
Progressive $4,664 $4,885 $5,072
State Farm $11,090 $11,799 $12,274
Travelers $6,575 $6,656 $6,715
USAA $3,369 $3,500 $3,599

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Best By Category: Cheapest Auto Insurance in Union, Michigan

Compare the cheapest auto insurance companies in Union, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Union, Michigan

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

The Cheapest Union, Michigan Auto Insurance Companies

What auto insurance companies in Union, Michigan are the cheapest? Compare the top Union, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Union, Michigan

Insurance Company Average Annual Rates
Allstate $19,760
Farmers $5,786
GEICO $5,257
Liberty Mutual $18,300
Nationwide $5,437
Progressive $4,874
State Farm $11,721
Travelers $6,649
USAA $3,489

What affects auto insurance rates in Union, Michigan?

There are a lot of reasons why auto insurance rates in Union, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Union, Michigan. Many local factors may affect your Union auto insurance rates.

Union Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Union, Michigan commute length is 29.0 minutes according to City-Data.

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Compare Union, Michigan Auto Insurance Quotes

Before you buy Union, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Union, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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