Cheapest Car Insurance Quotes in University Heights

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University Heights Car Insurance

^$ 15

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in University Heights

The car insurance rate in University Heights is $615 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in University Heights can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in University Heights

$615

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in University Heights

1st place: West Bend Mutual

At $324 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $366 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $387 for six months, making it the third cheapest auto insurance company in University Heights.

University Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in University Heights, IA is West Bend Mutual, offering policies at just $324 for a six-month term. This is followed by Grange, which has an average six-month premium of $366.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1207 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help University Heights drivers find the best deals.

Cheap Car Insurance Companies in University Heights, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$324	$54
Grange	$366	$62
Travelers	$387	$65
Auto-Owners Insurance Co	$392	$67
Hastings Mutual	$402	$67
Westfield	$429	$73
IMT Insurance Company	$444	$74
State Farm	$528	$89
American Family	$544	$92
USAA	$580	$98
Pekin	$590	$99
Progressive	$596	$100
Auto-Owners	$722	$121
Farm Bureau Mutual (IA Group)	$727	$123
Farm Bureau	$816	$136
Nationwide	$967	$165
Grinnell Mutual	$1056	$176
Allstate	$1207	$203

Key Takeaways

Way's key takeaways about car insurance in University Heights

The auto insurance costs in University Heights fall around $324 for six months.
The cheapest auto insurance company in University Heights is Pekin.
Teen drivers pay the highest rate in University Heights at $520 per month.

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Cheapest Minimum Liability Car Insurance in University Heights

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in University Heights are given below.

Pekin provides the cheapest minimum car insurance coverage in University Heights. Their Average 6 Month Premium is $89. West Bend is the most expensive at $110 for the same period.

Cheapest Liability Coverage in University Heights, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$89	$15
Westfield	$94	$16
Hastings Mutual	$99	$17
Progressive	$105	$18
West Bend Mutual	$105	$18
USAA	$110	$18
Grange	$115	$19
State Farm	$115	$19
Farm Bureau Mutual (IA Group)	$126	$21
Auto-Owners Insurance Co	$131	$22
Iowa Farm Bureau	$141	$24
Travelers	$146	$25
Farm Bureau	$151	$26
American Family	$157	$26
Auto-Owners	$167	$28
Grinnell Mutual	$235	$40
Allstate	$345	$58
Nationwide	$366	$62
West Bend	$110	$18

Cheapest Full Coverage Car Insurance in University Heights

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in University Heights is West Bend Mutual at $54 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in University Heights, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$324	$54
Grange	$366	$62
Travelers	$387	$65
Auto-Owners Insurance Co	$392	$67
Hastings Mutual	$402	$67
Westfield	$429	$73
IMT Insurance Company	$444	$74
State Farm	$528	$89
American Family	$544	$92
USAA	$580	$98
Pekin	$590	$99
Progressive	$596	$100
Auto-Owners	$722	$121
Farm Bureau Mutual (IA Group)	$727	$123
Farm Bureau	$816	$136
Nationwide	$967	$165
Grinnell Mutual	$1056	$176
Allstate	$1207	$203

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Average Car Insurance in University Heights by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in University Heights, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in University Heights, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, University Heights's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in University Heights

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in University Heights,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the University Heights at $19 per month. At $3058 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$115	$19
Grange	$131	$22
West Bend Mutual	$141	$24
Iowa Farm Bureau	$162	$27
Travelers	$549	$92
USAA	$685	$115
Progressive	$1030	$173
State Farm	$1171	$197
American Family	$1385	$233
Farm Bureau	$1783	$297
Farm Bureau Mutual (IA Group)	$1961	$334
Auto-Owners	$1997	$333
Grinnell Mutual	$2373	$404
Allstate	$2614	$440
Nationwide	$3058	$520

Teen Car Insurance Rates in IA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in University Heights, Grange is the cheapest car insurance provider. At $151 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in University Heights is Grinnell Mutual, offering rates of around $1856 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$151	$26
Westfield	$183	$31
West Bend Mutual	$188	$32
Travelers	$204	$34
Progressive	$590	$99
American Family	$679	$114
State Farm	$1265	$213
Nationwide	$1380	$235
Farm Bureau	$1406	$234
Allstate	$1830	$312
Auto-Owners	$1845	$307
Grinnell Mutual	$1856	$316

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Car Insurance Rates with An Accident in University Heights

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In University Heights, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in University Heights

The cheapest car insurance companies after an at-fault accident in University Heights include Hastings Mutual and Pekin, offering $99 and $121, respectively. Allstate is an expensive provider with an average six-month premium of $1657.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$99	$17
Pekin	$121	$20
Western National	$157	$26
Westfield	$157	$26
Grange	$178	$30
Auto-Owners Insurance Co	$183	$31
West Bend Mutual	$183	$31
State Farm	$382	$64
Travelers	$392	$66
Progressive	$554	$93
Grinnell Mutual	$627	$106
American Family	$722	$121
USAA	$805	$134
Auto-Owners	$946	$161
Farm Bureau Mutual (IA Group)	$1072	$179
Farm Bureau	$1328	$226
Nationwide	$1536	$256
Allstate	$1657	$279

University Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in University Heights IA. For example, the car insurance in University Heights after a DUI increases to $627 for a six month policy. While the rate increases by $89 for a six-month policy in the case of a speeding ticket.

University Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$737	$123
One Med/PIP claim	$747	$127
Not-at-fault accident	$768	$128
One comp claim	$789	$135
Two Med/PIP claims	$810	$135
Child safety restraint	$826	$141
Failure to show documents	$826	$137
Failure to wear a seat belt	$826	$141
Speeding 6 - 10 MPH over limit	$826	$137
Two comp claims	$826	$141
Driving without lights	$831	$138
Driving with expired registration	$852	$145
Failure to yield	$852	$142
Illegal turn	$852	$145
Failure to stop at a red light	$857	$143
Wrong way/wrong lane	$862	$147
Cell phone violation	$868	$144
Driving too slowly	$868	$148
Speeding 11 - 15 MPH over limit	$868	$144
Texting while driving	$868	$148
Speeding 16 - 20 MPH over limit	$873	$145
Speeding in school zone	$884	$150
Improper passing	$889	$148
Following too closely	$894	$152
At-fault accident - less than $1000	$910	$151
Passing school bus	$925	$158
Operating a vehicle without permission	$972	$162
At-fault accident - $1000-$2000	$988	$168
Speeding 21 - 25 MPH over limit	$988	$165
At-fault accident - greater than $2000	$994	$169
In 65 MPH zone	$1061	$177
Open container	$1118	$190
Racing	$1260	$210
Driving with a suspended license	$1286	$218
Reckless driving	$1317	$219
Refusal to submit to a chemical test	$1338	$228
DUI	$1364	$227
Leaving scene of an accident/hit and run	$1380	$235

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in University Heights after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in University Heights.

The cheapest car insurance premiums in University Heights are offered by Western National at $157 for a six-month policy. However, it can be as expensive as $2044 with companies like Grinnell Mutual.

University Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$157	$26
Grange	$204	$34
Travelers	$204	$34
West Bend Mutual	$204	$34
Progressive	$392	$66
State Farm	$455	$77
American Family	$747	$126
Allstate	$1605	$273
Auto-Owners	$1709	$285
Farm Bureau	$1783	$303
Nationwide	$1913	$319
Grinnell Mutual	$2044	$348

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in University Heights are offered by Westfield at $115. However, it can be as expensive as $1338 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in University Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$115	$19
West Bend Mutual	$136	$23
Western National	$157	$26
Iowa Farm Bureau	$172	$29
Travelers	$172	$29
Grange	$178	$30
State Farm	$298	$50
Progressive	$439	$74
American Family	$528	$89
Farm Bureau	$999	$166
Grinnell Mutual	$1056	$180
Nationwide	$1213	$202
Auto-Owners	$1255	$213
Allstate	$1338	$223

Car Insurance Price Trends in University Heights, Iowa

Car insurance rates in University Heights have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the University Heights remained steady at $123 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the University Heights remained steady at $26 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in University Heights?

The car insurance in University Heights is $15 per month, which is lower than the national average.

What is the cheapest car insurance in University Heights?

The cheapest car insurance in University Heights is $54 per month for full coverage.

How much is car insurance in University Heights for teenagers?

Car insurance for teenagers costs $115 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in University Heights?

The average cost of car insurance is $699 for a six-month policy. It will cost around $103 per month to insure your car in University Heights.

Is car insurance expensive in University Heights?

Car insurance can be expensive in University Heights if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in University Heights can be affordable.

Cheapest Car Insurance Quotes in University Heights

Why you can trust Way?

How Much Is Car Insurance in University Heights

Avg. Car Insurance in University Heights

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in University Heights

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

University Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in University Heights, IA

Way's key takeaways about car insurance in University Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in University Heights

Cheapest Liability Coverage in University Heights, IA

Cheapest Full Coverage Car Insurance in University Heights

Cheapest Full Coverage Car Insurance Quotes in University Heights, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in University Heights by Rating Factor

I have a clean driving record. Why is my car insurance rate here in University Heights, IA increasing?

Car Insurance Premiums by Age in University Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in University Heights,IA

If you are in your twenties N/A is the best choice for car insurance in University Heights.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in University Heights

Cheapest Car Insurance Companies after an At-Fault Accident in University Heights

University Heights Car Insurance Rates by Violation

University Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in University Heights after a DUI

University Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in University Heights after Speeding ticket

Car Insurance Price Trends in University Heights, Iowa

Average Car Insurance Cost in University Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near University Heights, IA

Car Insurance Rates by State in the USA (2025 Update)

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