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Get Cheap Car Insurance in University Heights, Bronx, NY
We monitor insurance prices, helping the average driver in University Heights save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in University Heights
The chart below shows the cheapest car insurance company in University Heights 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| University Heights Insurer | Monthly Cost |
|---|---|
| Kemper | $132 |
| Plymouth Rock Assurance | $176 |
| Safeco Insurance | $189 |
| Geico | $197 |
Savings for Every Kind of University Heights Driver
Based on our extensive insurance data, we know the average University Heights driver will save about 30% 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, credit score, marital status, and age. The average driver will find themselves saving $1,071 per year by choosing the right vehicle insurance company. Some University Heights residents are paying out over $3,591 extra every year for auto insurance in University Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
University Heights, Bronx, NY Savings / Yr. |
|---|---|
$1,071 |
|
$683 |
|
$1,364 |
|
$1,380 |
|
$3,380 |
|
$1,131 |
|
$1,802 |
University Heights Car Insurance vs. Bronx
People living in University Heights pay an average of 48.07% more than the typical driver in the state. The average driver in University Heights can expect to pay about $2,605 per year, or $3,591 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in University Heights for most people.
Car Insurance Prices by University Heights Neighborhood
Insurance Prices
Where is insurance cheapest within University Heights?
The map shows insurance prices in and around University Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $478 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $3,831 to a low of $3,353. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northwest parts of University Heights.Pick the Best Car Insurance Company for You in University Heights
The best car insurance provider for most drivers in University Heights
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $1,071 over the average University Heights car insurance company.
The best car insurance provider for University Heights drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $683 over the competition.
The best car insurance company for University Heights drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,364 better than other car insurance companies.
The best auto insurance for University Heights drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,380 less each year.
The least expensive car insurance company for new and young drivers in University Heights
In University Heights, Progressive costs young drivers $3,380 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in University Heights
Progressive gave the largest car insurance discounts to married couples, averaging $1,131 saved each year compared to an average University Heights couple's premiums.
The cheapest car insurance in University Heights for drivers with bad credit
The best University Heights car insurance company for customer service
Nationwide was the best company for customer service in University Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in University Heights
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average University Heights driver can expect to pay about $183 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 Heights, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around University Heights
What Influences the Cost of Car Insurance in University Heights?
On average, car insurance in University Heights is more expensive than the rest of the state. These high 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 Heights is 62 minutes, which is far more than average for a driver in the city.
- New York state insurance regulations may require higher prices.
- An average of 7 to 8 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in University Heights are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- University Heights is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in University Heights is $217 per month for minimum coverage and $299 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
- Fordham: Insurance costs 1.36% more
- Inwood: Insurance costs 2.67% less
- Belmont: Insurance costs 2.67% less
- Morris Heights: Insurance costs 0.28% more
- Tremont: Insurance costs 0.56% more
- Kings Bridge: Insurance costs 3.84% less
- Bedford Park: Insurance costs 1.23% less
- Spuyten Duyvil: Insurance costs 13.56% less
- Washington Heights: Insurance costs 1.67% less
- Highbridge: Insurance costs 0.17% more
Neighborhoods with Similar Populations
- Yorkville: Insurance costs 5.79% less
- Coral Way: Insurance costs 5.32% less
- Chicago Lawn: Insurance costs 42.77% less
- Central East Denver: Insurance costs 40.60% less
- Centennial Hills: Insurance costs 33.67% less
- Westchester: Insurance costs 35.92% less
- Western Addition: Insurance costs 34.50% less
- Westwood: Insurance costs 36.45% less
- Briargate: Insurance costs 48.01% less
- Beverly Glen: Insurance costs 31.75% less