Cheap Auto Insurance for Union Members in 2024 (10 Most Affordable Companies)

Erie, USAA, and Geico stand out as top contenders for cheap auto insurance for union members. Erie offers the most budget-friendly option at just $22 per month.

Union members can obtain minimum coverage from Erie for an average monthly cost of $22. USAA also provides cheap comprehensive coverage, though opting for additional types of auto insurance will result in higher premiums.

Our Top 10 Company Picks: Cheap Auto Insurance for Union Members

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#1 – Erie: Top Pick Overall

Pros

• Competitive Rates: Erie offers competitive rates which you can learn more about in our Erie auto insurance review.
• Customizable Policies: Erie also offers customizable policies, allowing customers to tailor their coverage to meet their needs and budget.
• Stable Rates with Erie’s Rate Lock Program: Erie’s Rate Lock program ensures that your insurance rates remain consistent over time, only changing if you make specific modifications to your policy.

Cons

• Limited Availability: Erie Auto Insurance may have limited availability in certain regions or states, which could restrict individuals from accessing their services if they reside outside their coverage area.
• Higher Premiums for Certain Demographics: Depending on factors such as age, location, driving history, and credit score, Erie Auto Insurance might have higher premiums than other insurers for specific demographics.

#2 – USAA: Best for Military Savings

Pros

• Additional Coverage Options: USAA provides options such as accident forgiveness and new car replacement coverage, enhancing its policy offerings.
• Rideshare Coverage: For those engaged in ridesharing services, USAA offers rideshare coverage, providing peace of mind during work hours.
• SafePilot Program: USAA’s SafePilot usage-based insurance program rewards safe driving behaviors. Read more about this program in our USAA SafePilot review.

Cons

• Limited Eligibility: Membership and auto insurance with USAA are exclusive to members of the military community and their families, excluding a significant portion of the general population.
• Bundling Discounts: While USAA offers bundling discounts for home and auto insurance policies, these discounts are reported to be lower than those offered by some other insurers, potentially limiting potential savings for policyholders who bundle their coverage.

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#3 – Geico: Best for Senior Discounts

Pros

• Competitive Rates: Geico offers competitive rates for various demographics, including senior drivers, young drivers covered under a parent’s policy, and individuals with poor credit.
• Below Average Rates: Despite certain risk factors such as speeding tickets or accidents on record, Geico provides below-average rates for good drivers and those with minor infractions.
• DriveEasy Program: Geico’s DriveEasy usage-based insurance program provides an opportunity for good drivers to save money by monitoring their driving habits. Learn more in our review of Geico DriveEasy.

Cons

• Higher Rates for DUIs: Geico imposes higher rates for drivers with DUIs on their record, potentially making it less affordable for individuals with such infractions.
• Complex Communication Process: Some customers have reported a cumbersome communication experience with Geico, where they need to interact with multiple departments for different needs.

#4 – State Farm: Best for Agent Network

Pros

• Best Agent Network: State Farm boasts one of the best agent networks in the industry. Learn more in our State Farm auto review.
• Low Complaints to State Insurance Departments: State Farm maintains a low level of complaints to state insurance departments, indicating a satisfactory customer service experience and effective resolution of issues.
• SR-22 Filing Services: State Farm offers SR-22 filing services if needed, assisting drivers in fulfilling their legal requirements for maintaining auto insurance.

Cons

• Lack of Additional Coverage Features: State Farm does not offer certain additional coverage features such as gap insurance, vanishing deductible, or accident forgiveness.
• High Premiums for Specific Groups: State Farm imposes high premiums for drivers with a poor credit score.

#5 – Auto-Owners: Best for Add-ons

Pros

• Wide Range of Add-ons: Offers various add-on coverages, including roadside assistance and modified vehicle coverage.
• Below-Average Rates: Provides competitive rates in most states which you can learn more about in our review of Auto-Owners insurance.
• Favorable Customer Reviews: Auto-Owners receives positive customer feedback.

Cons

• Limited Availability: Only operates in 26 states.
• Dependency on Local Agents: Requires reliance on local agents for most needs.
• Average Claims Process: Auto-Owners’ claims process is reported to be below average.

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#6 – Progressive: Best for Online Management

Pros

• Name Your Price Tool: Progressive offers a unique “Name Your Price” tool that allows customers to input their budget and receive customized insurance policy options that match their price range. 
• Snapshot Program: Progressive’s Snapshot program utilizes telematics technology to track driving habits and offer discounts to safe drivers.
• Convenient Bundling Options: Progressive offers bundling options for customers who want to combine multiple insurance policies, such as auto and home insurance. Read more about bundling in our Progressive auto insurance review.

Cons

• Higher Rates for Teen Drivers: Progressive has the second-highest rates on average for teen drivers.
• Low Customer Loyalty Ranking: Progressive ranks last for customer loyalty.

#7 – Nationwide: Best for Widespread Availability

Pros

• Competitive Rates for High-Risk Demographics: Nationwide offers great rates for teen drivers and individuals with bad credit. Learn more in our Nationwide auto insurance review.
• Widespread Availability: With coverage in 46 states, Nationwide ensures accessibility for a broad range of customers.
• High Ratings: Nationwide maintains A+ ratings with A.M. Best and the BBB.

Cons

• Pricey Policies: Nationwide’s policies are reported to be pricey.
• Low Customer Satisfaction with Claims Process: Some customers express dissatisfaction with the claims process.

#8 – American Family: Best for Discount Availability

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#9 – Farmers: Best for First-Responder Discount

Pros

• First Responder Discount: Farmers Insurance offers discounts for first responders, including firefighters, police officers, and emergency medical technicians (EMTs).
• Wide Range of Coverage Options: Farmers Insurance provides extensive coverage options. Read our Farmers auto insurance review to learn more.
• Convenient Claim Process: Farmers Insurance offers a streamlined and efficient claims process.

Cons

• Limited Availability in Certain Regions: Despite its widespread presence, Farmers Insurance may not be available in all areas.
• Mixed Customer Service Reviews: Some customers have reported mixed experiences with the company’s claims processing and difficulty reaching representatives.

#10 – Liberty Mutual: Best for Optional Coverage

Pros

• Multiple Types of Insurance Products: Liberty Mutual offers a wide range of insurance products beyond auto insurance, including home, renters, and life insurance.
• Available in All 50 States and Washington, DC: Liberty Mutual operates nationwide.
• Many Discounts and Telematics Programs: Liberty Mutual provides numerous discounts and telematics programs. Read more in our review of Liberty Mutual auto insurance.

Cons

• High Rates, Especially for Young Drivers: Liberty Mutual is known for higher rates, particularly for young drivers.
• Average Customer Service Ratings: Customers may face delays or difficulties resolving inquiries, affecting overall satisfaction.

Auto Insurance Discounts May Be Available to Union Members

Anyone who drives a car or other type of vehicle needs insurance. Even in Vermont, a state that tries to keep insurance policies reasonable, costs can be high without discounts. Union members may be thrilled to discover that there are individual policies designed for them.

How Much Money Union Members Can Expect To Save

Union members possess a lot of purchasing power. So it should come as no surprise that an insurance company would market toward these members. In fact, UAW auto insurance is one of the most popular union auto insurance policies available.

Devising discounted rates for qualifying, due-paying trade union members helps auto insurance companies sell their policies.

In other words, these union auto insurance policies cover the fleet operating under the banner of the local unionized trucking company.

Such policies do exist but reflect something a bit different. They fall under the header of commercial auto insurance and union members who wish to purchase a policy for their vehicles would be acquiring traditional non-commercial insurance at a lowered rate.

A slight amount of comparison shopping will find the best rates for union discounts on auto insurance. What types of auto insurance discounts are usually available to policyholders?

Let’s examine a general list of auto insurance discounts that are available to policyholders and possibly union members.

List of Common Auto Insurance Discounts

The eligibility for each discount varies, but auto insurance companies can access eligibility during the quote process. A union is likely to go with the same company. Auto insurance companies will likely enroll union members under policies similar to affinity groups.

It’s like a multi-policy or multi-vehicle discount except there are collection policyholders from the same organization.

The best way to know how these policies affect your paychecks is to review the auto insurance policy details from the employer or union membership information.

The effort should pay rewards for those who cut their premium costs down. Online comparison shopping reduces the amount of effort quite a bit. There’s even a Costco membership union discount, which could include Costco auto insurance quotes, so make sure to check for discounts even beyond just auto insurance.

Read more: How To Get a Membership Auto Insurance Discount

How Discounts Work on Union Auto Insurance

Discounts are essential when saving money on auto insurance. As you’ve seen with the general discounts, annual rates can decrease if you’re eligible for discounts. For instance, Geico offers a good driver discount of up to 22% for qualifying policyholders.

Each quote process is different, so any general rates you find online may be more or less than the personal quote you get from an auto insurance company. However, you’ll save money on auto insurance once you’re found eligible to receive discounts.

Read more: How to Find Auto Insurance Quotes Fast

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Cost of Auto Insurance for Union Members

Who has the cheapest auto insurance? And can union members save more money on auto insurance? Where can you find cheap auto insurance quotes for union members?

We can determine that by comparing a few statistics and general auto insurance policy quotes.

This section is thorough, so buckle up for the next few sections. We’ll cover auto insurance rates based on factors that determine auto insurance, general auto insurance coverage rates, and how union members’ wages are affected by auto insurance.

How Age and Gender Affects Auto Insurance Rates

If you’re getting an auto insurance policy with a company that your union has recommended, be aware that the auto insurance company for union members will still consider factors that determine auto insurance rates.

Therefore, your age and gender will be a factor in determining how much your policy will be.

In states like California and North Carolina, however, your gender won’t be a factor, but your age will be. How much is auto insurance based on age and gender? Let’s examine the average annual rate of auto insurance based on those demographics.

Car Insurance Monthly Rates by Age, Gender, and Marital Status

Marital status is another factor that auto insurance companies factor into rates. It appears that auto insurance companies associate risk with marital status.

Age, gender, and marital status are factors that go into an auto insurance plan.

Based on the current demographic of average annual rates, 17-year-old drivers pay the most in auto insurance.

Also, male drivers pay more than female drivers. The reason why males pay more for auto insurance is that male drivers have a higher risk of getting into a car accident. A single driver will take more risks than a married driver, thus giving them a more expensive annual rate for auto insurance.

How Driving Record Determines Auto Insurance Rates

Your driving record is another main factor when determining auto insurance rates. Regardless of union membership, auto insurance companies will want to know if you’ve ever had a speeding violation, a DUI/DWI offense, or an accident.

As a union member, you’ll receive a discount for membership, but you may find yourself in the high-risk bracket if you have traffic violations and accidents on your driving record.

To give you an idea of what to expect, here are the average annual and monthly rates for full coverage auto insurance by state.

Full Coverage Auto Insurance Monthly Rates by State

Of course, having a clean driving record is beneficial as cheaper annual rates are available for those who have a clean driving record.

Blemishes on your driving record will most likely lead to increased car insurance premiums.

Some auto insurance companies won’t increase your average annual rate due to a speeding violation. However, accidents and DUI/DWI cause the most expensive increases in auto insurance.

Too many violations or accidents can result in a policyholder pursuing insurance options such as an SR-22. It’s best to avoid this as much as possible.

Auto Insurance May Be Cheaper if You Don’t Drive Your Car Much

Union members who live in a state where public transportation is more common than driving their motor vehicle will likely find cheaper auto insurance rates for union members.

During the quote process, auto insurance companies will ask how many miles you’ll travel during the duration of the policy. Let’s examine the average annual rates based on commute mileage.

Auto Insurance Monthly Rates by Commute Mileage

The more miles you drive, the more expensive the annual rate. Some auto insurance companies will issue the same annual rates despite the miles traveled during the policy. Annual rates are adjusted based on the make and model year of your vehicle as well.

Auto Insurance Coverages Available for Union Members

Union members who are policyholders are customers, just like any other motorist searching for auto insurance. Depending on the company, a union member may be eligible for all coverages. The basic coverages for policyholders are liability, collision, and comprehensive.

Liability auto insurance coverage is a minimum coverage requirement that compensates a no-fault driver if you (an at-fault driver) are in an accident. Liability has two factors: bodily injury liability and property damage liability.

Bodily injury liability pays for injuries that occurred during an accident, while property damage liability covers the cost of damage caused by an accident.

Collision coverage will pay for property damage regardless of who is at fault. Comprehensive coverage, on the other hand, pays for damage to a motor vehicle that doesn’t involve a collision.

Comprehensive auto insurance will cover costs from vehicular fire, vandalism, fire, storms, falling objects, vehicle theft, and other accidents not involving a collision with another vehicle.

In addition to the basic coverage, auto insurance providers may provide more coverage, such as personal injury protection and medical payments.

The National Association of Insurance Commissioners (NAIC) has recently posted the national average rates for liability, collision, comprehensive, and full coverage. Let’s have a look at how much they are.

Auto Insurance Monthly Rates by Coverage Type

Full coverage is the most expensive in the table, but that’s because it’s the combined total of all other basic coverages. Liability is the second most costly because liability has coverage limits that cover bodily injury and property damage.

Expect auto insurance rates to increase when you get other coverages such as uninsured/underinsured motorist coverage, rental reimbursement, roadside assistance, and other perks.

How Auto Insurance Rates Affect a Union Member’s Income

In addition to the number of employees in the U.S. Bureau of Labor Statistics report, there is data that lists the median weekly income of union workers, employees with union representation, and employees without any union affiliation.

To better understand how we’ll cover this section, we’ll take a look at median weekly income and estimate the monthly and annual income. Before you continue, let’s explain what a median weekly income means.

Median weekly income shows the salary of individuals who are between the low-income earners and high-income earners.

Average income represents a collective factored into one value.

For now, let’s take a look at the median weekly income.

Median Weekly Income of U.S. Employees

Union members earn more than employees represented by unions and employees who aren’t in unions at all. Remember, these are weekly representations of income. So the estimated monthly income and annual income will give you a better idea of how auto insurance affects income.

Here’s another data table that shows the estimate of monthly and annual income of union members based on statistics from the Bureau of Labor Statistics.

Median Incomes of Union Members

There’s a wage disparity of about $6,000 between male and female union members. But the discrepancy in income doesn’t show the auto insurance as a percent of income.

To find auto insurance as a percent of income, divide the average cost of auto insurance into annual income. The average annual price for auto insurance is $3,959. The average annual rate for auto insurance varies by company, U.S. state, and discounts applied to a policy.

First, let’s look at how auto insurance as a percent of income affects the estimated annual income of union members.

Auto Insurance as a Percent of Income for Union Members

Although females pay less for auto insurance, they spend more as a percentage of income than males. Most employees pay about 8 percent of their income for auto insurance per year based on the estimated median income of those who work in the United States.

Group Discounts on Auto Insurance for Union Members

One reason insurance companies can offer reduced rates on union auto insurance is that union members facilitate a vast bulk of policy purchases. In other words, an electrician’s union has a deal with a particular insurance company to promote union health insurance and union auto insurance.

Since the union is assisting with the sale of numerous policies, the insurance company is selling plans in bulk.

Reducing the cost per policy is not a financial burden for the insurance company since premium payments from a large number of members are generated per year.

Drivers who might not have the best credit score will appreciate the lowered rates group discounts allow.

Speaking of credit score, let’s review the average annual rates based on credit. Here’s a summary of those rates.

Auto Insurance Monthly Rates by Credit

You may be wondering why auto insurance companies issue more expensive rates for those with fair and poor credit. Auto insurance companies correlate fair and poor credit ratings to risk due to annual statistics.

Defining a Union

We’ve talked about what discounts are available for unions, let’s discuss what unions are.

The Law Dictionary defines a labor union as an organization of working people, formed to protect their rights and working conditions.

These decisions often involve health benefits, pension, educational discounts, and even auto insurance. The purpose of unions is to protect the rights and interests of people working in a specific trade or profession. Unions help bring economic justice to the workplace.

There are several unions around the world, such as health care unions and public service unions. The most popular are the manufacturing unions. Unions support their members by negotiating benefits, hours, and other aspects that result in the best interest of their members.

Unions, also known as labor unions or trade unions, are designed to protect the interest, improve wages, working hours, and working conditions for their members.

How can union members benefit from union auto insurance policies? We mentioned how unions make decisions in the best interest of their members. Auto insurance is no different.

Because unions have many members, auto insurance companies who have relationships with unions can provide discounts to members. There are also insurance companies that were created by union members for union members, like AFSCME auto insurance.

Why provide a discount to union members? Individuals who represent a union will have an arrangement with an auto insurance company about how many members are within a union. The union will encourage its members to do business with a chosen auto insurance provider.

While under union membership, you can receive a discount.

There is also a group, Union Privilege, a non-profit founded by the AFL-CIO in 1986 to help provide programs and benefits to union members.

This includes Union Plus auto insurance benefits, which are plans tailored to union members and their families, and union discounts, including Union Plus Abenity discounts.

Additionally, there are Union Plus shopping discounts, Union Plus disability insurance, and even a mobile Union Plus app so you can access benefits, information, and Union Plus auto insurance shopping any time.

Union Plus car rental is also available in participating locations across America and Canada for union members.

Union Standard Insurance is also available to offer services to business owners. This includes a wide range of products but includes auto insurance needed for small and large businesses.

Before you buy auto insurance for union members, make sure you read other Union Plus insurance reviews, Union Standard Insurance reviews, as well as reviews for other insurance companies.

Difference Between a Union and an Affinity Group

Affinity groups, also known as resource groups, are organized employee groups based on social identity, shared characteristics, or life experiences. These employee groups form to include and protect classes, such as age, disability, gender, nationality, race, sexual orientation, and veteran status.

An example of an affinity group would be a group composed of African-American staff in a hospital system, which serves as diversity awareness and initiative of that local or national hospital.

Private employers don’t have to have affinity groups, but most choose to acknowledge and support them. Support of affinity groups brings benefits to an organization and makes them more versatile in terms of business outreach.

Unions are focused on members in a specific profession. Although there may be some questions about eligibility, unions have a more general design of membership, so don’t worry about criteria outside of employment.

Why People Join Unions

People join unions for a variety of reasons, such as job security, better wages, and comprehensive health insurance. When unions go for auto insurance, the auto insurance company may issue discounts to all union members due to the number of people that sign up at once.

Ask your employer if they’re represented by a union or have any discounts related to union membership. Everyone likes to save money. Therefore, the value of a reliable insurance policy will attract union presidents who want to provide a reliable service to their members.

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Rates and Coverage May Change During Strikes

Unions exist to protect employees and fight for good pay, safe working environments, affordable benefits, and a decent quality of life.

If a company or employer violates these conditions or takes advantage of the workers, a union may step in and organized a strike or walkout.

In these times, many group-based car insurance companies tend to side with the work to ease the financial strain on individuals.

When researching car insurance for union workers, be sure the insurance extends into strikes and labor lockouts. It is also helpful to ask if the auto insurance company offers extended or delayed payment options for premiums.

The Number of People in Unions

In the U.S. Bureau of Labor Statistics 2020 report, there were 141.7 million employees in the United States in 2019. The bureau estimated that 73.35 million are males 16 and older, and 68.39 million are females 16 and older.

Here is a summary of the union members’ percentage in the total number of employees in the country.

U.S. Bureau of Labor Statistics Number of Union Members

Most union members and those represented by unions are male employees. Some employees in the United States are not union members, but unions represent them. The number of these employees is much higher than employees with union membership.

Government Unions and Their Benefits

Unions can be private or public. Public unions are those associated with jobs in a city, state, or federal government.

Auto insurance policies are not the only options allowing government workers to save money. The policies might come with several added benefits that further help cut down expenses.

How Union Car Insurance Help Couples With Teenage Children

Discounts on multi-car insurance policies are possible as well, depending on the policy. Family members may be able to benefit from these types of policies as well.

Union Members Can Save Money on Auto Insurance

Union workers don’t always follow a standard 9-to-5 work schedule. They may work late hours or holidays. Workers may put in far more than 40 hours per week. All that time on the road during odd hours might put even the most careful driver at risk.

The state minimum might be shallow, so most drivers go with the minimum amount. In Texas, the minimum amounts for personal liability are $30,000 for each injured person, with a total of $60,000 per accident. The minimum on property damage per accident is $25,000.

Read More: Texas Minimum Auto Insurance Requirements

Those numbers are meager. Paying a little more to increase those amounts could be worth it for someone always rushing to work on those Lone Star highways seven days a week. Perhaps paying extra for the maximum uninsured motorist coverage is worth the investment.

With a union member insurance policy, even the more extensive policies could end up being very affordable.

The best insurance policy is one that protects a driver from financial losses under several circumstances. Significant policies don’t need to come at great prices. Union members who take advantage of discounted rates can attest to this fact.

Are you ready to buy affordable auto insurance for union members? Use our online free tool to compare auto insurance rates for union members today.

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