Compare Chesterfield, MO Car Insurance Rates (2021)

Car insurance in Chesterfield, MO averages $307 a month. Chesterfield, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Chesterfield car insurance rates, compare quotes from the top car insurance companies in Chesterfield, MO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Chesterfield, MO are $3,681/year
  • The cheapest car insurance company in Chesterfield for teen drivers is Nationwide
  • The cheapest car insurance company in Chesterfield is Nationwide

If you need to buy Chesterfield, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Chesterfield, MO is right here.

You’ll find Chesterfield car insurance rates, the cheapest Chesterfield, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Chesterfield, Missouri car insurance rates to Kansas City car insurance rates, St. Joseph car insurance rates, and Independence car insurance rates.

Ready to find affordable Chesterfield, MO car insurance today? Enter your ZIP code for fast, free Chesterfield car insurance quotes.

Cheapest Chesterfield, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Chesterfield, MO car insurance rates? Every Chesterfield, Missouri car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Chesterfield, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,087 $2,975 $2,794 $2,881 $8,937 $9,726 $2,924 $3,006
American Family $2,418 $2,418 $2,156 $2,156 $6,762 $8,776 $2,418 $2,817
Farmers $2,569 $2,550 $2,284 $2,427 $10,992 $11,370 $2,926 $3,035
GEICO $1,951 $2,191 $1,519 $1,989 $6,352 $6,658 $1,762 $1,740
Liberty Mutual $2,844 $3,077 $2,342 $2,630 $10,395 $11,545 $2,982 $3,159
Nationwide $1,683 $1,711 $1,512 $1,592 $4,419 $5,627 $1,936 $2,085
Progressive $2,310 $2,112 $1,905 $1,955 $8,199 $9,185 $2,815 $2,884
State Farm $1,789 $1,789 $1,628 $1,628 $5,562 $6,976 $2,024 $2,326
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in Chesterfield, MO

Every driver must carry the minimum car insurance in Chesterfield, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in Chesterfield, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Chesterfield, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Chesterfield, MO. Compare credit history car insurance rates in Chesterfield from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Chesterfield, Missouri

Insurance Company Poor Fair Good
Allstate $6,265 $4,036 $3,323
American Family $4,889 $3,437 $2,894
Farmers $5,421 $4,556 $4,332
GEICO $4,172 $2,716 $2,172
Liberty Mutual $6,963 $4,284 $3,368
Nationwide $3,022 $2,512 $2,178
Progressive $4,502 $3,771 $3,489
State Farm $4,190 $2,617 $2,090
USAA $4,567 $2,109 $1,505

Cheapest Chesterfield, MO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Chesterfield, MO to rates for a clean record with top companies.

Annual Chesterfield, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,869 $4,389 $5,504 $4,403
American Family $2,779 $4,014 $4,980 $3,188
Farmers $4,094 $5,159 $5,038 $4,787
GEICO $2,297 $3,067 $4,207 $2,510
Liberty Mutual $3,523 $5,098 $5,227 $5,638
Nationwide $1,992 $2,593 $3,506 $2,192
Progressive $3,350 $4,607 $3,751 $3,975
State Farm $2,699 $3,232 $2,965 $2,965
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Chesterfield, MO Car Insurance for Teen Drivers

Teen car insurance in Chesterfield, MO can be expensive. Take a look at rates from the top car insurance companies in Chesterfield for teenagers.

Annual Car Insurance Rates for Teen Drivers in Chesterfield, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,937 $9,726
American Family $6,762 $8,776
Farmers $10,992 $11,370
GEICO $6,352 $6,658
Liberty Mutual $10,395 $11,545
Nationwide $4,419 $5,627
Progressive $8,199 $9,185
State Farm $5,562 $6,976
USAA $5,002 $6,115

Cheapest Chesterfield, MO Car Insurance for Seniors

Take a look at Chesterfield, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Chesterfield, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,794 $2,881
American Family $2,156 $2,156
Farmers $2,284 $2,427
GEICO $1,519 $1,989
Liberty Mutual $2,342 $2,630
Nationwide $1,512 $1,592
Progressive $1,905 $1,955
State Farm $1,628 $1,628
USAA $1,491 $1,518

Cheapest Chesterfield, MO Car Insurance Rates After a DUI

A DUI in Chesterfield, MO increases car insurance rates. Compare Chesterfield, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Chesterfield, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,504
American Family $4,980
Farmers $5,038
GEICO $4,207
Liberty Mutual $5,227
Nationwide $3,506
Progressive $3,751
State Farm $2,965
USAA $3,694

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Cheapest Chesterfield, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Chesterfield, MO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Chesterfield, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,541 $4,541
American Family $3,703 $3,777
Farmers $4,769 $4,769
GEICO $2,968 $3,072
Liberty Mutual $4,872 $4,872
Nationwide $2,571 $2,571
Progressive $3,921 $3,921
State Farm $2,891 $3,040
USAA $2,630 $2,824

Cheapest Chesterfield, MO Car Insurance Rates by ZIP Code

Chesterfield car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Chesterfield, MO.

Annual Car Insurance Rates by ZIP Code in Chesterfield, Missouri

ZIP Code Average Annual Rates
63005 $3,063
63017 $3,008
63141 $3,029

The Best Cheap Car Insurance Companies in Chesterfield, MO

Take a look at a side-by-side comparison of the top car insurance companies in Chesterfield, MO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Chesterfield, Missouri

Insurance Company Average Annual Rates
Allstate $4,541
American Family $3,740
Farmers $4,769
GEICO $3,020
Liberty Mutual $4,872
Nationwide $2,571
Progressive $3,921
State Farm $2,965
USAA $2,727

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Category Winners: Cheapest Car Insurance in Chesterfield, Missouri

Find the cheapest car insurance companies in Chesterfield, MO for each category right here.

Best Annual Car Insurance Rates by Company in Chesterfield, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

Cheapest Chesterfield, MO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Chesterfield car insurance rates. Find the cheapest Chesterfield, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Chesterfield, Missouri

Insurance Company Low Medium High
Allstate $4,370 $4,532 $4,722
American Family $3,618 $3,857 $3,746
Farmers $4,456 $4,727 $5,125
GEICO $2,789 $3,056 $3,216
Liberty Mutual $4,566 $4,902 $5,147
Nationwide $2,411 $2,596 $2,705
Progressive $3,498 $3,933 $4,330
State Farm $2,747 $2,980 $3,169
USAA $2,627 $2,720 $2,834

What affects car insurance rates in Chesterfield, Missouri?

What factors can have an impact on Chesterfield, MO car insurance? There are several reasons why Chesterfield car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Chesterfield, Missouri.

Commute Time in Chesterfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Chesterfield, MO is 23.0 minutes according to City-Data.

Traffic in Chesterfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Chesterfield, MO traffic data from INRIX ranks Chesterfield as the 520th-most congested in the world.

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Compare Car Insurance Quotes in Chesterfield, MO

Ready to find affordable Chesterfield, Missouri car insurance today? Enter your ZIP code for fast, free Chesterfield, MO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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