Compare O Fallon, MO Car Insurance Rates (2021)

Car insurance in O Fallon, MO averages $280 a month. O Fallon, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap O Fallon car insurance rates, compare quotes from the top car insurance companies in O Fallon, MO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 O Fallon, MO after a DUI are $3,950/year
  • The cheapest car insurance company in O Fallon for teen drivers is Nationwide
  • Average car insurance rates in O Fallon, MO are $3,361/year

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

You’ll find O Fallon car insurance rates, the cheapest O Fallon, MO car insurance companies, and information on Missouri car insurance laws. You can also compare O Fallon, Missouri car insurance rates to St. Joseph car insurance rates, Blue Springs car insurance rates, and Columbia car insurance rates.

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

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

How do age, gender, and marital status affect O Fallon, MO car insurance rates? Every O Fallon, 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 O Fallon, 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 $2,761 $2,660 $2,504 $2,581 $7,966 $8,657 $2,612 $2,682
American Family $2,100 $2,100 $1,873 $1,873 $5,849 $7,588 $2,100 $2,447
Farmers $2,384 $2,365 $2,121 $2,254 $10,151 $10,487 $2,722 $2,830
GEICO $1,893 $2,133 $1,461 $1,923 $6,243 $6,567 $1,702 $1,688
Liberty Mutual $2,624 $2,840 $2,163 $2,430 $9,538 $10,595 $2,750 $2,912
Nationwide $1,502 $1,525 $1,351 $1,421 $3,905 $4,965 $1,723 $1,854
Progressive $1,972 $1,805 $1,625 $1,668 $7,042 $7,895 $2,407 $2,476
State Farm $1,687 $1,687 $1,536 $1,536 $5,262 $6,598 $1,910 $2,197
USAA $1,620 $1,602 $1,467 $1,486 $4,911 $5,994 $2,011 $2,232

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Minimum Car Insurance in O Fallon, MO

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

Minimum Required Car Insurance Coverage in O Fallon, 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 O Fallon, MO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in O Fallon, Missouri

Insurance Company Poor Fair Good
Allstate $5,585 $3,603 $2,970
American Family $4,233 $2,980 $2,510
Farmers $5,023 $4,214 $4,006
GEICO $4,076 $2,655 $2,123
Liberty Mutual $6,401 $3,941 $3,102
Nationwide $2,679 $2,229 $1,935
Progressive $3,859 $3,233 $2,992
State Farm $3,963 $2,471 $1,971
USAA $4,433 $2,074 $1,489

Cheapest O Fallon, 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 O Fallon, MO to rates for a clean record with top companies.

Annual O Fallon, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,455 $3,919 $4,907 $3,930
American Family $2,402 $3,504 $4,303 $2,756
Farmers $3,787 $4,771 $4,660 $4,440
GEICO $2,233 $2,998 $4,129 $2,445
Liberty Mutual $3,245 $4,689 $4,807 $5,184
Nationwide $1,771 $2,301 $3,104 $1,948
Progressive $2,863 $3,958 $3,214 $3,410
State Farm $2,549 $3,055 $2,802 $2,802
USAA $2,117 $2,592 $3,627 $2,325

Cheapest O Fallon, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in O Fallon, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,966 $8,657
American Family $5,849 $7,588
Farmers $10,151 $10,487
GEICO $6,243 $6,567
Liberty Mutual $9,538 $10,595
Nationwide $3,905 $4,965
Progressive $7,042 $7,895
State Farm $5,262 $6,598
USAA $4,911 $5,994

Cheapest O Fallon, MO Car Insurance for Seniors

Take a look at O Fallon, 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 O Fallon, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,504 $2,581
American Family $1,873 $1,873
Farmers $2,121 $2,254
GEICO $1,461 $1,923
Liberty Mutual $2,163 $2,430
Nationwide $1,351 $1,421
Progressive $1,625 $1,668
State Farm $1,536 $1,536
USAA $1,467 $1,486

Cheapest O Fallon, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in O Fallon, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,907
American Family $4,303
Farmers $4,660
GEICO $4,129
Liberty Mutual $4,807
Nationwide $3,104
Progressive $3,214
State Farm $2,802
USAA $3,627

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Cheapest O Fallon, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in O Fallon, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,053 $4,053
American Family $3,209 $3,273
Farmers $4,414 $4,414
GEICO $2,901 $3,001
Liberty Mutual $4,481 $4,481
Nationwide $2,281 $2,281
Progressive $3,361 $3,361
State Farm $2,732 $2,872
USAA $2,571 $2,760

The Best Cheap Car Insurance Companies in O Fallon, MO

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

Average Annual Car Insurance Rates by Company in O Fallon, Missouri

Insurance Company Average Annual Rates
Allstate $4,053
American Family $3,241
Farmers $4,414
GEICO $2,951
Liberty Mutual $4,481
Nationwide $2,281
Progressive $3,361
State Farm $2,802
USAA $2,665

Category Winners: Cheapest Car Insurance in O Fallon, Missouri

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

Best Annual Car Insurance Rates by Company in O Fallon, Missouri

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

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Cheapest O Fallon, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in O Fallon, Missouri

Insurance Company Low Medium High
Allstate $3,884 $4,044 $4,231
American Family $3,133 $3,343 $3,248
Farmers $4,132 $4,375 $4,736
GEICO $2,735 $2,985 $3,133
Liberty Mutual $4,194 $4,509 $4,741
Nationwide $2,135 $2,304 $2,404
Progressive $3,004 $3,370 $3,710
State Farm $2,597 $2,816 $2,992
USAA $2,548 $2,657 $2,791

Compare Car Insurance Quotes in O Fallon, MO

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

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