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Get Cheap Car Insurance in University Heights, Newark, NJ
We monitor insurance prices, helping the average driver in University Heights save up to 37.9% 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 State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| University Heights Insurer | Monthly Cost |
|---|---|
| State Farm | $80 |
| Geico | $84 |
| Plymouth Rock Assurance | $103 |
| NJM | $121 |
Savings for Every Kind of University Heights Driver
Based on our extensive insurance data, we know the average University Heights driver will save about 26% 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 $634 per year by choosing the right vehicle insurance company. Some University Heights residents are paying out over $2,417 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, Newark, NJ Savings / Yr. |
|---|---|
$634 |
|
$1,175 |
|
$903 |
|
$779 |
|
$3,127 |
|
$610 |
|
$948 |
University Heights Car Insurance vs. Newark
People living in University Heights pay an average of 33.12% more than the typical driver in the state. The average driver in University Heights can expect to pay about $1,442 per year, or $2,417 for full coverage.
Based on our analysis, Geico 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 $471 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,604 to a low of $2,133. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Southeast 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, Geico is the best option, with annual savings of $634 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, NJM saved the average person who had been in an accident the most, with annual savings averaging $1,175 over the competition.
The best car insurance company for University Heights drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $903 better than other car insurance companies.
The best auto insurance for University Heights drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $779 less each year.
The least expensive car insurance company for new and young drivers in University Heights
In University Heights, Geico costs young drivers $3,127 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in University Heights
Geico gave the largest car insurance discounts to married couples, averaging $610 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 $112 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 none of the categories above.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 37 minutes, which is about the national average for a driver in the city.
- New Jersey state insurance regulations may require higher prices.
- An average of 3 to 4 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 high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- University Heights has an average population density 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 $120 per month for minimum coverage and $201 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
- Fairmuont: Insurance costs 1.90% more
- Springfield-Belmont: Insurance costs 0.74% less
- Lower Roseville: Insurance costs 2.48% more
- Seventh Avenue: Insurance costs 1.61% more
- Central Business District: Insurance costs 1.03% more
- Mount Pleasant-Lower Broadway: Insurance costs 2.11% less
- South Broad Street: Insurance costs 2.52% more
- Lower Clinton Hill: Insurance costs 3.56% more
- Upper Clinton Hill: Insurance costs 5.34% more
- Upper Roseville: Insurance costs 2.69% more
Neighborhoods with Similar Populations
- SouthWest Santa Rosa: Insurance costs 14.73% less
- Baker-Zachary Area: Insurance costs 42.49% more
- Bario Logan: Insurance costs 11.29% less
- Belair: Insurance costs 27.84% less
- Bellerose: Insurance costs 29.00% more
- Beverly: Insurance costs 25.94% less
- Bronxdale: Insurance costs 45.30% more
- Brooklyn Heights: Insurance costs 21.27% more
- Canyon Crest: Insurance costs 10.26% less
- Cascade Heights: Insurance costs 3.48% less