Compare University City, MO Car Insurance Rates (2021)

Car insurance in University City, MO averages $332 a month. University City, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap University City car insurance rates, compare quotes from the top car insurance companies in University City, MO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in University City is USAA
  • Average car insurance rates in University City, MO after a DUI are $4,672/year
  • The cheapest car insurance company in University City for teen drivers is Nationwide

If you need to buy University City, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in University City, MO is right here.

You’ll find University City car insurance rates, the cheapest University City, MO car insurance companies, and information on Missouri car insurance laws. You can also compare University City, Missouri car insurance rates to Springfield car insurance rates, Columbia car insurance rates, and Lee’s Summit car insurance rates.

Ready to find affordable University City, MO car insurance today? Enter your ZIP code for fast, free University City car insurance quotes.

Cheapest University City, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect University City, MO car insurance rates? Every University City, Missouri car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in University City, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,287 $3,175 $2,972 $3,064 $9,382 $10,216 $3,125 $3,215
American Family $2,659 $2,659 $2,370 $2,370 $7,368 $9,568 $2,659 $3,102
Farmers $2,668 $2,658 $2,376 $2,527 $11,289 $11,682 $3,026 $3,138
GEICO $2,377 $2,678 $1,915 $2,501 $7,553 $7,871 $2,146 $2,090
Liberty Mutual $3,356 $3,637 $2,768 $3,113 $12,094 $13,433 $3,515 $3,725
Nationwide $1,897 $1,932 $1,702 $1,797 $4,860 $6,204 $2,170 $2,342
Progressive $2,383 $2,170 $1,956 $2,020 $8,239 $9,212 $2,888 $2,910
State Farm $1,852 $1,852 $1,688 $1,688 $5,778 $7,232 $2,095 $2,414
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in University City, MO

Every driver must carry the minimum car insurance in University City, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in University City, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest University City, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in University City, MO. Compare credit history car insurance rates in University City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in University City, Missouri

Insurance Company Poor Fair Good
Allstate $6,637 $4,265 $3,511
American Family $5,349 $3,764 $3,169
Farmers $5,607 $4,692 $4,462
GEICO $5,037 $3,273 $2,613
Liberty Mutual $8,178 $5,006 $3,931
Nationwide $3,381 $2,790 $2,418
Progressive $4,592 $3,812 $3,512
State Farm $4,354 $2,711 $2,160
USAA $4,567 $2,109 $1,505

Cheapest University City, MO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in University City, MO to rates for a clean record with top companies.

Annual University City, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,108 $4,650 $5,799 $4,661
American Family $3,062 $4,374 $5,437 $3,504
Farmers $4,251 $5,307 $5,188 $4,936
GEICO $2,790 $3,677 $5,059 $3,038
Liberty Mutual $4,123 $5,967 $6,124 $6,608
Nationwide $2,241 $2,887 $3,867 $2,456
Progressive $3,405 $4,651 $3,804 $4,029
State Farm $2,796 $3,354 $3,075 $3,075
USAA $2,179 $2,649 $3,694 $2,385

Cheapest University City, MO Car Insurance for Teen Drivers

Teen car insurance in University City, MO can be expensive. Take a look at rates from the top car insurance companies in University City for teenagers.

Annual Car Insurance Rates for Teen Drivers in University City, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,382 $10,216
American Family $7,368 $9,568
Farmers $11,289 $11,682
GEICO $7,553 $7,871
Liberty Mutual $12,094 $13,433
Nationwide $4,860 $6,204
Progressive $8,239 $9,212
State Farm $5,778 $7,232
USAA $5,002 $6,115

Cheapest University City, MO Car Insurance for Seniors

Take a look at University City, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in University City, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,972 $3,064
American Family $2,370 $2,370
Farmers $2,376 $2,527
GEICO $1,915 $2,501
Liberty Mutual $2,768 $3,113
Nationwide $1,702 $1,797
Progressive $1,956 $2,020
State Farm $1,688 $1,688
USAA $1,491 $1,518

Cheapest University City, MO Car Insurance Rates After a DUI

A DUI in University City, MO increases car insurance rates. Compare University City, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in University City, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,799
American Family $5,437
Farmers $5,188
GEICO $5,059
Liberty Mutual $6,124
Nationwide $3,867
Progressive $3,804
State Farm $3,075
USAA $3,694

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Cheapest University City, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in University City, MO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in University City, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,804 $4,804
American Family $4,054 $4,134
Farmers $4,921 $4,921
GEICO $3,575 $3,708
Liberty Mutual $5,705 $5,705
Nationwide $2,863 $2,863
Progressive $3,972 $3,972
State Farm $2,999 $3,151
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in University City, MO

Take a look at a side-by-side comparison of the top car insurance companies in University City, MO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in University City, Missouri

Insurance Company Average Annual Rates
Allstate $4,804
American Family $4,094
Farmers $4,921
GEICO $3,641
Liberty Mutual $5,705
Nationwide $2,863
Progressive $3,972
State Farm $3,075
USAA $2,727

Category Winners: Cheapest Car Insurance in University City, Missouri

Find the cheapest car insurance companies in University City, MO for each category right here.

Best Annual Car Insurance Rates by Company in University City, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest University City, MO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your University City car insurance rates. Find the cheapest University City, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in University City, Missouri

Insurance Company Low Medium High
Allstate $4,614 $4,794 $5,006
American Family $3,971 $4,222 $4,089
Farmers $4,568 $4,868 $5,326
GEICO $3,310 $3,677 $3,936
Liberty Mutual $5,328 $5,738 $6,050
Nationwide $2,670 $2,890 $3,029
Progressive $3,470 $3,985 $4,461
State Farm $2,850 $3,089 $3,285
USAA $2,627 $2,720 $2,834

What affects car insurance rates in University City, Missouri?

What factors can have an impact on University City, MO car insurance? There are several reasons why University City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in University City, Missouri.

Commute Time in University City

The more time you spend in your car the higher the risk of an accident. The average commute length in University City, MO is 21.6 minutes according to City-Data.

Compare Car Insurance Quotes in University City, MO

Ready to find affordable University City, Missouri car insurance today? Enter your ZIP code for fast, free University City, MO car insurance quotes.

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