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Get Cheap Car Insurance in University, Waco, TX
We monitor insurance prices, helping the average driver in University save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in University
The chart below shows the cheapest car insurance company in University 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 Clearcover, followed by Mile Auto, Progressive, and State Farm.
| University Insurer | Monthly Cost |
|---|---|
| Clearcover | $47 |
| Mile Auto | $62 |
| Progressive | $63 |
| State Farm | $68 |
Savings for Every Kind of University Driver
Based on our extensive insurance data, we know the average University driver will save about 21% 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 $374 per year by choosing the right vehicle insurance company. Some University residents are paying out over $1,818 extra every year for auto insurance in University. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
University, Waco, TX Savings / Yr. |
|---|---|
$374 |
|
$856 |
|
$754 |
|
$864 |
|
$1,315 |
|
$497 |
|
$543 |
University Car Insurance vs. Waco
People living in University pay an average of 6.98% less than the typical driver in the state. The average driver in University can expect to pay about $1,083 per year, or $1,818 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in University for most people.
Car Insurance Prices by University Neighborhood
Insurance Prices
Where is insurance cheapest within University?
The map shows insurance prices in and around University, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $133 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,859 to a low of $1,726. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of University.Pick the Best Car Insurance Company for You in University
The best car insurance provider for most drivers in University
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $374 over the average University car insurance company.
The best car insurance provider for University drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $856 over the competition.
The best car insurance company for University drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $754 better than other car insurance companies.
The best auto insurance for University drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $864 less each year.
The least expensive car insurance company for new and young drivers in University
In University, State Farm costs young drivers $1,315 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in University
State Farm gave the largest car insurance discounts to married couples, averaging $497 saved each year compared to an average University couple's premiums.
The cheapest car insurance in University for drivers with bad credit
The best University car insurance company for customer service
Nationwide was the best company for customer service in University according to the NAIC.
Recent price drops
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The cheapest large national provider in University
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average University 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, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around University
What Influences the Cost of Car Insurance in University?
On average, car insurance in University 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 is 24 minutes, which is a little less than average for a driver in the city.
- Texas state insurance regulations may require higher prices.
- An average of 2 to 3 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in University are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- University 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 is $90 per month for minimum coverage and $151 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
- Baylor: Insurance costs 11.99% less
- Kendrick: Insurance costs 4.95% less
- Alta Vista-Waco: Insurance costs 8.36% less
- Brookview: Insurance costs 6.99% less
- Oakwood: Insurance costs 12.71% less
- Richland Hills: Insurance costs 12.16% less
- North Waco: Insurance costs 1.27% less
- Landon Branch: Insurance costs 12.05% less
- Carver: Insurance costs 3.85% less
- Parkdale Viking Hills: Insurance costs 8.36% less
Neighborhoods with Similar Populations
- Downtown Chapel Hill: Insurance costs 33.50% less
- Wasatch Hollow: Insurance costs 20.13% less
- Wadeview Park: Insurance costs 46.26% more
- Villa Cresta: Insurance costs 10.34% more
- Eastside: Insurance costs 26.07% more
- Duclay Forest: Insurance costs 50.94% more
- Downtown Sacramento: Insurance costs 26.51% more
- Downtown Rialto: Insurance costs 27.50% more
- Downtown North Lauderdale: Insurance costs 82.34% more
- Downtown Nashville: Insurance costs 23.60% less