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Get Cheap Car Insurance in University City, San Diego, CA
We monitor insurance prices, helping the average driver in University City save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in University City
The chart below shows the cheapest car insurance company in University City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| University City Insurer | Monthly Cost |
|---|---|
| Metromile | $49 |
| Geico | $55 |
| Progressive | $59 |
| Travelers | $61 |
Savings for Every Kind of University City Driver
Based on our extensive insurance data, we know the average University City driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $624 per year by choosing the right vehicle insurance company. Some University City residents are paying out over $1,952 extra every year for auto insurance in University City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
University City, San Diego, CA Savings / Yr. |
|---|---|
$624 |
|
$1,143 |
|
$904 |
|
$1,588 |
|
$816 |
|
$354 |
|
$0 |
University City Car Insurance vs. San Diego
People living in University City pay an average of 2.79% less than the typical driver in the state. The average driver in University City can expect to pay about $914 per year, or $1,952 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in University City for most people.
Car Insurance Prices by University City Neighborhood
Insurance Prices
Where is insurance cheapest within University City?
The map shows insurance prices in and around University City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $326 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,066 to a low of $1,740. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the South parts of University City.Pick the Best Car Insurance Company for You in University City
The best car insurance provider for most drivers in University City
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $624 over the average University City car insurance company.
The best car insurance provider for University City drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,143 over the competition.
The best car insurance company for University City drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $904 better than other car insurance companies.
The best auto insurance for University City drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,588 less each year.
The least expensive car insurance company for new and young drivers in University City
In University City, State Farm costs young drivers $816 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in University City
Progressive gave the largest car insurance discounts to married couples, averaging $354 saved each year compared to an average University City couple's premiums.
The cheapest car insurance in University City for drivers with bad credit
The best University City car insurance company for customer service
Nationwide was the best company for customer service in University City according to the NAIC.
Recent price drops
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The cheapest large national provider in University City
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average University City driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In University City, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around University City
What Influences the Cost of Car Insurance in University City?
On average, car insurance in University City is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in University City is 24 minutes, which is far less than average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in University City are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- University City is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in University City is $76 per month for minimum coverage and $163 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- La Jolla Village: Insurance costs 3.07% more
- Torrey Pines: Insurance costs 2.82% more
- North Clairemont: Insurance costs 0.72% more
- Bay Ho: Insurance costs 2.41% less
- Clairemont Mesa: Insurance costs 1.64% less
- Sorrento Valley: Insurance costs 2.66% less
- Pacific Beach: Insurance costs 0.56% more
- Kearny Mesa: Insurance costs 5.12% less
- Bay Park: Insurance costs 0.46% more
- Miramar: Insurance costs 3.79% less
Neighborhoods with Similar Populations
- West: Insurance costs 6.92% more
- Downtown Jersey City: Insurance costs 16.70% more
- Downtown Long Beach: Insurance costs 25.51% more
- Downtown Memphis: Insurance costs 15.83% less
- Downtown San Francisco: Insurance costs 24.59% more
- Eagle Rock: Insurance costs 21.62% more
- Flagami: Insurance costs 80.94% more
- Fordham: Insurance costs 86.48% more
- West Columbus Interim: Insurance costs 40.63% less
- Almaden Valley: Insurance costs 5.17% more