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Get Cheap Car Insurance in Unionville, CT

We monitor insurance prices, helping the average driver in Unionville save up to 29.9% on car insurance.

 

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The Cheapest Minimum Coverage in Unionville

The chart below shows the cheapest car insurance company in Unionville for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by State Farm, Safeco Insurance, and Travelers.

 
Unionville Insurer Monthly Cost
Kemper $70
State Farm $80
Safeco Insurance $81
Travelers $81

Savings for Every Kind of Unionville Driver

The table shows how much the average auto insurance customer in Unionville might save by following our recommendations.

Based on our extensive insurance data, we know the average Unionville driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $575 per year by choosing the right vehicle insurance company. Some Unionville residents are paying out over $1,962 extra every year for auto insurance in Unionville. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Unionville Car Insurance vs. Connecticut

People living in Unionville pay an average of 1.41% more than the typical driver in the state. The average driver in Unionville can expect to pay about $1,344 per year, or $1,962 for full coverage.

Based on our analysis, Kemper will be the cheapest provider in Unionville for most people.

Car Insurance Prices by Unionville Neighborhood

Unionville, CT map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Unionville?

The map shows insurance prices in and around Unionville, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $125 per year within the city boundaries, with insurance premiums ranging from a high of $2,016 to a low of $1,891. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of Unionville.

Pick the Best Car Insurance Company for You in Unionville

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Unionville insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Unionville

For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $575 over the average Unionville car insurance company.

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We use the average good driver, paying $116 per month, as our baseline for pricing in Unionville. Travelers, Kemper, and MetLife are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Unionville drivers with accidents on their records

In Unionville getting into an accident will raise premiums an average 27% for a yearly cost of $2,672. That's $710 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Kemper are good choices for drivers with accidents.

In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $797 over the competition.

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The best car insurance company for Unionville drivers with speeding tickets

>Kemper gave the average person with a speeding ticket the most savings, averaging $554 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Unionville, tickets raise premiums on new quotes about $319. If you have a speeding ticket, we recommend State Farm, Geico, and Kemper for savings that beat the average insurance cost of $2,282 per year.

The best auto insurance for Unionville drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,232 per year in auto insurance premiums, which was $1,270 more than a driver with no major issues. State Farm, Travelers, and Plymouth Rock Assurance penalized their customers the least for a DUI.

Getting a quote from Travelers may cost the average person with a DUI about $925 less each year.

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The least expensive car insurance company for new and young drivers in Unionville

In Unionville, State Farm costs young drivers $2,176 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 73% more for insurance than more mature drivers in Unionville. With an average cost of $7,290 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Nationwide try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Unionville

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $140. State Farm, Nationwide, and Travelers provided the largest discounts to couples living in Unionville.

State Farm gave the largest car insurance discounts to married couples, averaging $521 saved each year compared to an average Unionville couple's premiums.

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The cheapest car insurance in Unionville for drivers with bad credit

People with poor credit saved an average of $876 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,082 every year. Premiums for people with poor credit were about $3,044 in Unionville. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Safeco Insurance, and Plymouth Rock Assurance.

The best Unionville car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Unionville, the National Association of Insurance Commissioners (NAIC) ranks Amica as the best. Another valuable metric: JD Power ranks Amica as the best provider in Unionville.

Amica was the best company for customer service in Unionville according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Unionville, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Unionville. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Unionville

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 19% of Unionville residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Unionville driver can expect to pay about $120 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Unionville, USAA has the best prices for drivers with accidents, married couples, drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, and drivers with a DUI conviction.
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Auto Insurance Prices in and Around Unionville

What Influences the Cost of Car Insurance in Unionville?

On average, car insurance in Unionville is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Unionville is 31 minutes, which is a little less than average for a driver in the state.
  • Connecticut state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Unionville are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Unionville is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Unionville is $112 per month for minimum coverage and $164 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Unionville driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Unionville with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.