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Get Cheap Car Insurance in University Heights, IA

We monitor insurance prices, helping the average driver in University Heights save up to 33.2% on car insurance.

 

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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 State Farm, followed by IMT Insurance, Auto-Owners Insurance, and Farm Bureau.

 
University Heights Insurer Monthly Cost
State Farm $26
IMT Insurance $26
Auto-Owners Insurance $28
Farm Bureau $29

Savings for Every Kind of University Heights Driver

The table shows how much the average auto insurance customer in University Heights might save by following our recommendations.

Based on our extensive insurance data, we know the average University Heights driver will save about 22% 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 $253 per year by choosing the right vehicle insurance company. Some University Heights residents are paying out over $1,159 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, IA Savings / Yr.
Drivers with good records
$253
Drivers with accidents
$353
Drivers with speeding tickets
$301
Drivers with a DUI conviction
$405
Young drivers
$1,060
Married drivers
$349
Drivers with bad credit
$535

University Heights Car Insurance vs. Iowa

People living in University Heights pay an average of 7.17% less than the typical driver in the state. The average driver in University Heights can expect to pay about $455 per year, or $1,159 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in University Heights for most people.

Car Insurance Prices by University Heights Neighborhood

University Heights, IA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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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 $160 per year within the city boundaries, with insurance premiums ranging from a high of $1,301 to a low of $1,141. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Central parts of University Heights.

Pick the Best Car Insurance Company for You in University Heights

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the University Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in University Heights

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $253 over the average University Heights car insurance company.

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We use the average good driver, paying $76 per month, as our baseline for pricing in University Heights. State Farm, IMT Insurance, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for University Heights drivers with accidents on their records

In University Heights getting into an accident will raise premiums an average 32% for a yearly cost of $1,697. That's $537 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, IMT Insurance, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $353 over the competition.

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The best car insurance company for University Heights drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $301 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In University Heights, tickets raise premiums on new quotes about $302. If you have a speeding ticket, we recommend State Farm, IMT Insurance, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,461 per year.

The best auto insurance for University Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,834 per year in auto insurance premiums, which was $675 more than a driver with no major issues. State Farm, Progressive, and IMT Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $405 less each year.

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The least expensive car insurance company for new and young drivers in University Heights

In University Heights, IMT Insurance costs young drivers $1,060 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in University Heights. With an average cost of $3,191 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, IMT Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in University Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $78. State Farm, IMT Insurance, and Farm Bureau provided the largest discounts to couples living in University Heights.

State Farm gave the largest car insurance discounts to married couples, averaging $349 saved each year compared to an average University Heights couple's premiums.

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The cheapest car insurance in University Heights for drivers with bad credit

People with poor credit saved an average of $535 with IMT Insurance.

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Many people are surprised that their poor credit score can cost them an average of $758 every year. Premiums for people with poor credit were about $1,918 in University Heights. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Travelers, and IMT Insurance.

The best University Heights car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In University Heights, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in University Heights.

Nationwide was the best company for customer service in University Heights according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in University Heights, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in University Heights. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in University Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 45% of University Heights residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average University Heights driver can expect to pay about $81 per month.

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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 a DUI conviction, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and young drivers.
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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 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 city are influenced by the following factors:

  • The average commute time in University Heights is 23 minutes, which is far less than average for a driver in the state.
  • Iowa state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in University Heights are among the lowest 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 city’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 $38 per month for minimum coverage and $97 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.

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* Who is the average University Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central University Heights with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.