University Park drivers pay an average of $2,471/year — $700 more than the national average. With 285 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $755/year.
(888) 217-6781Estimated full coverage auto insurance rates for University Park, TX from top carriers. Rates are adjusted for University Park's 285 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $822 | $137/mo |
| GEICO | $937 | $156/mo |
| Progressive | $1,057 | $176/mo |
| State Farm | $1,155 | $193/mo |
| Allstate | $1,408 | $235/mo |
Estimates based on 2026 rate filings for ZIP 75205. USAA is cheapest at ~$137/mo. Actual rates vary by driver profile and exact University Park location.
These University Park-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving University Park, TX. Takes under 2 minutes.
(888) 217-6781University Park is a smaller city in Texas with a population of 25,278. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, tornadoes, hail, flooding, extreme heat, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in University Park.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within University Park can swing your premium by hundreds of dollars. Here's how rates compare across University Park neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 75220 | University Park South Side | $2,329/yr | $194/mo |
| 75221 | University Park West Side | $2,426/yr | $202/mo |
| 75207 | University Park North Side | $2,441/yr | $203/mo |
| 75207 | University Park East Side | $2,547/yr | $212/mo |
| 75205 | University Park Downtown/Central | $2,682/yr | $224/mo |
The cheapest ZIP is 75220 (University Park South Side) at $2,329/yr. The most expensive is 75205 (University Park Downtown/Central) at $2,682/yr — a $353/year difference for the same driver.
Your University Park ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in University Park. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,189/yr | $432/mo | +110% vs avg |
| Young Adult (20-25) | $3,459/yr | $288/mo | +40% vs avg |
| Adult (26-35) | $2,471/yr | $206/mo | 0% vs avg |
| Mid-Career (36-50) | $2,174/yr | $181/mo | -12% vs avg |
| Senior (51-65) | $2,051/yr | $171/mo | -17% vs avg |
| 65+ | $2,199/yr | $183/mo | -11% vs avg |
Teens in University Park pay an average of $5,189/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,051/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
University Park drivers can save up to $755/year. ZIP 75220 (University Park South Side) has the lowest rates starting at $2,329/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes