Cheapest Car Insurance Quotes in University City

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University City Car Insurance

^$ 34

/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 City

The car insurance rate in University City is $1138 for a six-month policy, which is $157 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $579, making it a popular choice for budget-conscious drivers. Rates in University City 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 City

$1138

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in University City

1st place: American Family

At $579 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $731 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $813 for six months, making it the third cheapest auto insurance company in University City.

University City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in University City, MO is American Family, offering policies at just $579 for a six-month term. This is followed by Travelers, which has an average six-month premium of $731.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1737 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help University City drivers find the best deals.

Cheap Car Insurance Companies in University City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$579	$99
Travelers	$731	$123
USAA	$813	$137
Shelter	$1082	$182
Encompass	$1089	$186
State Farm	$1151	$194
Electric	$1268	$216
Allstate	$1310	$220
Progressive	$1378	$232
Missouri Farm Bureau	$1385	$231
Nationwide	$1737	$296

Key Takeaways

Way's key takeaways about car insurance in University City

The auto insurance costs in University City fall around $579 for six months.
The cheapest auto insurance company in University City is USAA.
Teen drivers pay the highest rate in University City at $883 per month.

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Cheapest Minimum Liability Car Insurance in University City

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 City are given below.

USAA provides the cheapest minimum car insurance coverage in University City. Their Average 6 Month Premium is $200. Nationwide is the most expensive at $696 for the same period.

Cheapest Liability Coverage in University City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$200	$34
Missouri Farm Bureau	$220	$37
Travelers	$269	$45
Electric	$283	$48
Progressive	$303	$51
American Family	$310	$52
Encompass	$324	$55
Shelter	$386	$65
State Farm	$413	$70
Allstate	$621	$106
Nationwide	$696	$116

Cheapest Full Coverage Car Insurance in University City

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 City is American Family at $99 per month and $579 for six months.

Cheapest Full Coverage Car Insurance Quotes in University City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$579	$99
Travelers	$731	$123
USAA	$813	$137
Shelter	$1082	$182
Encompass	$1089	$186
State Farm	$1151	$194
Electric	$1268	$216
Allstate	$1310	$220
Progressive	$1378	$232
Missouri Farm Bureau	$1385	$231
Nationwide	$1737	$296

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Average Car Insurance in University City 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 City, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in University City, Missouri, may be increasing due to several external factors. Missouri 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 City'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 City

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 City,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the University City at $49 per month. At $5299 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$289	$49
American Family	$331	$56
Travelers	$792	$133
USAA	$1219	$205
Progressive	$1778	$299
State Farm	$1992	$335
Shelter	$2350	$392
Allstate	$4734	$805
Nationwide	$5299	$883

Teen Car Insurance Rates in MO 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 City, Progressive is the cheapest car insurance provider. At $420 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 City is Allstate, offering rates of around $675 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$420	$72
Travelers	$434	$72
Kemper	$530	$90
American Family	$565	$94
Shelter	$593	$101
Nationwide	$654	$109
Allstate	$675	$115

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Car Insurance Rates with An Accident in University City

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 City, MO, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in University City include Missouri Farm Bureau and Electric, offering $241 and $345, respectively. Allstate is an expensive provider with an average six-month premium of $2791.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$241	$41
Electric	$345	$59
American Family	$379	$63
Encompass	$441	$75
Travelers	$523	$88
USAA	$537	$90
Progressive	$751	$126
State Farm	$909	$153
Shelter	$1020	$172
Nationwide	$2571	$437
Allstate	$2791	$465

University City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in University City MO. For example, the car insurance in University City after a DUI increases to $937 for a six month policy. While the rate increases by $323 for a six-month policy in the case of a speeding ticket.

University City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1854	$309
One Med/PIP claim	$1854	$316
Not-at-fault accident	$1908	$318
One comp claim	$1922	$327
Two Med/PIP claims	$1922	$320
Two comp claims	$2046	$348
Failure to wear a seat belt	$2102	$350
Failure to show documents	$2109	$358
Child safety restraint	$2143	$357
Driving without lights	$2143	$364
Driving with expired registration	$2156	$360
Cell phone violation	$2170	$369
Driving too slowly	$2170	$362
Following too closely	$2170	$369
Speeding in school zone	$2170	$362
Failure to yield	$2177	$370
Speeding 11 - 15 MPH over limit	$2177	$363
Speeding 16 - 20 MPH over limit	$2177	$370
Speeding 6 - 10 MPH over limit	$2177	$363
Texting while driving	$2177	$370
Illegal turn	$2184	$364
Wrong way/wrong lane	$2184	$371
Failure to stop at a red light	$2191	$365
Improper passing	$2191	$372
Speeding 21 - 25 MPH over limit	$2191	$365
In 65 MPH zone	$2205	$375
Passing school bus	$2246	$375
Open container	$2315	$393
Operating a vehicle without permission	$2370	$396
At-fault accident - less than $1000	$2564	$436
At-fault accident - $1000-$2000	$2707	$451
At-fault accident - greater than $2000	$2707	$461
Refusal to submit to a chemical test	$2742	$457
DUI	$2791	$474
Driving with a suspended license	$2852	$476
Racing	$2922	$496
Leaving scene of an accident/hit and run	$2963	$494
Reckless driving	$2997	$509

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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 City 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 City.

The cheapest car insurance premiums in University City are offered by Missouri Farm Bureau at $289 for a six-month policy. However, it can be as expensive as $3204 with companies like Nationwide.

University City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$289	$49
American Family	$372	$61
Kemper	$462	$79
Travelers	$558	$94
Progressive	$689	$116
USAA	$855	$144
State Farm	$965	$162
Shelter	$1123	$189
Allstate	$2426	$413
Nationwide	$3204	$534

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 City are offered by Progressive at $331. However, it can be as expensive as $496 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in University City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$331	$56
Travelers	$351	$58
American Family	$372	$64
State Farm	$413	$68
Shelter	$496	$85

Car Insurance Price Trends in University City, Missouri

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

The average cost of full coverage in the University City remained steady at $151 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the University City remained steady at $56 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 City?

The car insurance in University City is $34 per month, which is lower than the national average.

What is the cheapest car insurance in University City?

The cheapest car insurance in University City is $99 per month for full coverage.

How much is car insurance in University City for teenagers?

Car insurance for teenagers costs $289 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 City?

The average cost of car insurance is $981 for a six-month policy. It will cost around $191 per month to insure your car in University City.

Is car insurance expensive in University City?

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

Cheapest Car Insurance Quotes in University City

Why you can trust Way?

How Much Is Car Insurance in University City

Avg. Car Insurance in University City

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in University City

1st place: American Family

2nd place: Travelers

3rd place: USAA

University City Car Insurance Rates by Company

Cheap Car Insurance Companies in University City, MO

Way's key takeaways about car insurance in University City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in University City

Cheapest Liability Coverage in University City, MO

Cheapest Full Coverage Car Insurance in University City

Cheapest Full Coverage Car Insurance Quotes in University City, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in University City by Rating Factor

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

Car Insurance Premiums by Age in University City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in University City,MO

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

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 City

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

University City Car Insurance Rates by Violation

University City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in University City after a DUI

University City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in University City after Speeding ticket

Car Insurance Price Trends in University City, Missouri

Average Car Insurance Cost in University City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near University City, MO

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

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