University City Auto Insurance Rates, Quotes, Agents & Reviews in MO

University City, MO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in University City, MO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in University City, MO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


University City, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in University City, MO with that of other cities in and around University City.

University City Hadley Wellston Vinita Park Hanley Hills Vinita Terrace
Average Insurance Rates $1,071 $1,599 $1,375 $1,407 $1,390 $1,430

University City, MO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around University City, MO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
University City $1,072 $906
Vinita Terrace $1,419 $1,199
Hanley Hills $1,553 $1,312
Pagedale $1,384 $1,169
Vinita Park $1,901 $1,606
Wellston $1,266 $1,069
Greendale $2,156 $1,821
Hadley $2,150 $1,816

University City, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in University City, MO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,475
20 Years $1,376
30 Years $1,060
40 Years $1,020
50 Years $944
60 Years $958
70 Years $1,115

University City, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in University City, MO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,842 $300
3 Vehicles $2,763 $450
4 Vehicles $3,684 $600

Savings on 2 Vehicles bundle:$300

Savings on 3 Vehicles bundle:$450

Savings on 4 Vehicles bundle:$600


University City, MO Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around University City, MO.

Location Average Insurance Cost Post DUI Insurance Rate
University City $1,071 $1,528
Vinita Terrace $1,430 $2,040
Hanley Hills $1,390 $1,983
Pagedale $1,388 $1,980
Vinita Park $1,407 $2,007
Wellston $1,375 $1,961
Greendale $1,417 $2,021
Hadley $1,599 $2,281

University City, MO Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $919
Excellent (740-799) $1,049
Good (670-739) $1,116
Average (580-669) $1,456
Poor (300-579) $1,747

University City, MO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$47 $1,118
Driver's Failure In Showing Documents +$104 $1,175
Driving With An Expired Registration +$110 $1,181
Driving At A Considerably Slow Pace +$232 $1,303
Using A Cellphone While Driving +$245 $1,316
Running A Red Light +$250 $1,321
Speeding +$262 $1,333
Driving A Vehicle Without The Required Permission +$333 $1,404
Driving With An Expired/Suspended License +$722 $1,793

University City, MO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,028
Active Disabling Device $1,028
Tracking Device $1,007
Passive Disabling Device $996

Latest Auto Insurance Reviews in University City, MO | Back to Top

State Farm
State Farm's policies are probably very similar to other providers. They offer what I need, so I do not look any farther.
Farmer's Insurance
My family owns 2 small businesses and we get all of your insurance for the businesses as well as our personal vehicles. We highly recommend Wisco Insurance to everyone!
Allstate
They can be a little on the expensive side but they cover everything and are a premium insurance so I can't complain too much. I feel that they offer everything and more that other companies do.