Cheapest Car Insurance Quotes in University City

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University City Car Insurance

^$ 37

/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 $1467 for a six-month policy, which is $303 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $629, 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

$1467

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in University City

1st place: American Family

At $629 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $845 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $868 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 $629 for a six-month term. This is followed by USAA, which has an average six-month premium of $845.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3585 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	$629	$107
USAA	$845	$142
Travelers	$868	$146
Encompass	$1183	$197
Shelter	$1220	$205
State Farm	$1332	$224
Electric	$1377	$234
Farm Bureau	$1415	$236
Missouri Farm Bureau	$1504	$256
Progressive	$1557	$262
Allstate	$1670	$281
Nationwide	$1886	$314
Farmers	$3585	$610

Key Takeaways

Way's key takeaways about car insurance in University City

The auto insurance costs in University City fall around $629 for six months.
The cheapest auto insurance company in University City is USAA.
Teen drivers pay the highest rate in University City at $1957 per month.

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Save up to $971/yr with our auto insurance quotes

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 $217. Farmers is the most expensive at $1288 for the same period.

Cheapest Liability Coverage in University City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$217	$37
Missouri Farm Bureau	$239	$40
Electric	$307	$52
Travelers	$314	$53
Farm Bureau	$321	$54
American Family	$336	$57
Encompass	$352	$59
Progressive	$359	$60
Shelter	$441	$74
State Farm	$471	$79
Nationwide	$756	$126
Allstate	$786	$132
Farmers	$1288	$214

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 $107 per month and $629 for six months.

Cheapest Full Coverage Car Insurance Quotes in University City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$629	$107
USAA	$845	$142
Travelers	$868	$146
Encompass	$1183	$197
Shelter	$1220	$205
State Farm	$1332	$224
Electric	$1377	$234
Farm Bureau	$1415	$236
Missouri Farm Bureau	$1504	$256
Progressive	$1557	$262
Allstate	$1670	$281
Nationwide	$1886	$314
Farmers	$3585	$610

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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 $53 per month. At $11743 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$314	$53
American Family	$359	$60
Travelers	$1362	$229
USAA	$1377	$232
Progressive	$2627	$442
State Farm	$2709	$456
Shelter	$3024	$509
Farm Bureau	$3675	$625
Allstate	$4775	$804
Nationwide	$5756	$979
Farmers	$11743	$1957

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, Kemper is the cheapest car insurance provider. At $576 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 Farmers, offering rates of around $7290 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$576	$98
American Family	$614	$102
Nationwide	$711	$121
Travelers	$1145	$193
USAA	$1324	$226
Progressive	$1670	$281
Shelter	$1916	$323
Farm Bureau	$2380	$397
Allstate	$2792	$470
State Farm	$5053	$842
Farmers	$7290	$1240

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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 $262 and $374, respectively. Farmers is an expensive provider with an average six-month premium of $5112.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$262	$44
Electric	$374	$64
American Family	$412	$68
Encompass	$479	$82
USAA	$682	$115
Travelers	$771	$130
Progressive	$1130	$190
State Farm	$1176	$198
Shelter	$1317	$222
Farm Bureau	$1826	$310
Nationwide	$2792	$465
Allstate	$3391	$571
Farmers	$5112	$852

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 $1019 for a six month policy. While the rate increases by $352 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	$2013	$335
One Med/PIP claim	$2013	$343
Not-at-fault accident	$2073	$345
One comp claim	$2088	$355
Two Med/PIP claims	$2088	$348
Two comp claims	$2223	$378
Failure to wear a seat belt	$2283	$381
Failure to show documents	$2291	$389
Child safety restraint	$2327	$388
Driving without lights	$2327	$396
Driving with expired registration	$2342	$391
Cell phone violation	$2357	$401
Driving too slowly	$2357	$393
Following too closely	$2357	$401
Speeding in school zone	$2357	$393
Failure to yield	$2365	$402
Speeding 11 - 15 MPH over limit	$2365	$394
Speeding 16 - 20 MPH over limit	$2365	$402
Speeding 6 - 10 MPH over limit	$2365	$394
Texting while driving	$2365	$402
Illegal turn	$2373	$396
Wrong way/wrong lane	$2373	$403
Failure to stop at a red light	$2380	$397
Improper passing	$2380	$404
Speeding 21 - 25 MPH over limit	$2380	$397
In 65 MPH zone	$2395	$407
Passing school bus	$2439	$407
Open container	$2515	$427
Operating a vehicle without permission	$2574	$430
At-fault accident - less than $1000	$2785	$474
At-fault accident - $1000-$2000	$2941	$490
At-fault accident - greater than $2000	$2941	$500
Refusal to submit to a chemical test	$2979	$496
DUI	$3032	$515
Driving with a suspended license	$3098	$517
Racing	$3174	$539
Leaving scene of an accident/hit and run	$3218	$537
Reckless driving	$3256	$553

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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 $314 for a six-month policy. However, it can be as expensive as $6556 with companies like Farmers.

University City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$314	$53
American Family	$404	$67
Kemper	$501	$86
Travelers	$809	$136
USAA	$1033	$174
Progressive	$1085	$183
Shelter	$1467	$247
State Farm	$1594	$268
Farm Bureau	$1721	$292
Allstate	$2777	$467
Nationwide	$3480	$592
Farmers	$6556	$1092

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 American Family at $404. However, it can be as expensive as $4551 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in University City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$404	$69
Travelers	$838	$141
USAA	$868	$147
Shelter	$965	$163
State Farm	$1033	$174
Progressive	$1257	$212
Farm Bureau	$1459	$248
Allstate	$2523	$421
Farmers	$4551	$774

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 rose by $281 in January compared to $164 of December. In other words, there has been an increase by $117 when you compare January and December.

The average cost of liability insurance in the University City rose to $71 in January, compared to $60 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in University City?

The car insurance in University City is $37 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 $107 per month for full coverage.

How much is car insurance in University City for teenagers?

Car insurance for teenagers costs $314 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 $1164 for a six-month policy. It will cost around $247 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: USAA

3rd place: Travelers

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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