Compare St. Charles, MO Car Insurance Rates (2021)

Car insurance in St. Charles, MO averages $286 a month. St. Charles, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap St. Charles car insurance rates, compare quotes from the top car insurance companies in St. Charles, 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 St. Charles, MO after a DUI are $4,022/year
  • The cheapest car insurance company in St. Charles for teen drivers is Nationwide
  • The cheapest car insurance company in St. Charles is Nationwide

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

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

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

Cheapest St. Charles, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect St. Charles, MO car insurance rates? Every St. Charles, 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 St. Charles, 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 $2,630 $2,535 $2,387 $2,460 $7,566 $8,222 $2,489 $2,555
American Family $2,182 $2,182 $1,945 $1,945 $6,041 $7,845 $2,182 $2,546
Farmers $2,407 $2,392 $2,142 $2,276 $10,226 $10,577 $2,742 $2,849
GEICO $1,893 $2,133 $1,461 $1,923 $6,243 $6,567 $1,702 $1,688
Liberty Mutual $2,830 $3,063 $2,328 $2,614 $10,314 $11,456 $2,971 $3,152
Nationwide $1,581 $1,608 $1,419 $1,496 $4,124 $5,255 $1,815 $1,956
Progressive $2,042 $1,872 $1,684 $1,726 $7,253 $8,134 $2,493 $2,568
State Farm $1,674 $1,674 $1,522 $1,522 $5,199 $6,523 $1,894 $2,176
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 St. Charles, MO

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

Minimum Required Car Insurance Coverage in St. Charles, 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 St. Charles, MO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in St. Charles, Missouri

Insurance Company Poor Fair Good
Allstate $5,308 $3,429 $2,829
American Family $4,388 $3,087 $2,600
Farmers $5,065 $4,249 $4,040
GEICO $4,076 $2,655 $2,123
Liberty Mutual $6,921 $4,255 $3,346
Nationwide $2,830 $2,350 $2,040
Progressive $3,983 $3,340 $3,091
State Farm $3,916 $2,448 $1,956
USAA $4,567 $2,109 $1,505

Cheapest St. Charles, 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 St. Charles, MO to rates for a clean record with top companies.

Annual St. Charles, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,288 $3,729 $4,666 $3,739
American Family $2,501 $3,623 $4,446 $2,864
Farmers $3,827 $4,809 $4,698 $4,471
GEICO $2,233 $2,998 $4,129 $2,445
Liberty Mutual $3,503 $5,065 $5,195 $5,601
Nationwide $1,870 $2,428 $3,273 $2,056
Progressive $2,963 $4,082 $3,320 $3,520
State Farm $2,524 $3,022 $2,773 $2,773
USAA $2,179 $2,649 $3,694 $2,385

Cheapest St. Charles, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in St. Charles, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,566 $8,222
American Family $6,041 $7,845
Farmers $10,226 $10,577
GEICO $6,243 $6,567
Liberty Mutual $10,314 $11,456
Nationwide $4,124 $5,255
Progressive $7,253 $8,134
State Farm $5,199 $6,523
USAA $5,002 $6,115

Cheapest St. Charles, MO Car Insurance for Seniors

Take a look at St. Charles, 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 St. Charles, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,387 $2,460
American Family $1,945 $1,945
Farmers $2,142 $2,276
GEICO $1,461 $1,923
Liberty Mutual $2,328 $2,614
Nationwide $1,419 $1,496
Progressive $1,684 $1,726
State Farm $1,522 $1,522
USAA $1,491 $1,518

Cheapest St. Charles, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in St. Charles, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,666
American Family $4,446
Farmers $4,698
GEICO $4,129
Liberty Mutual $5,195
Nationwide $3,273
Progressive $3,320
State Farm $2,773
USAA $3,694

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Cheapest St. Charles, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in St. Charles, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,855 $3,855
American Family $3,326 $3,392
Farmers $4,451 $4,451
GEICO $2,901 $3,001
Liberty Mutual $4,841 $4,841
Nationwide $2,407 $2,407
Progressive $3,471 $3,471
State Farm $2,704 $2,843
USAA $2,630 $2,824

Cheapest St. Charles, MO Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in St. Charles, Missouri

ZIP Code Average Annual Rates
63301 $2,856
63303 $2,760
63304 $2,831

The Best Cheap Car Insurance Companies in St. Charles, MO

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

Average Annual Car Insurance Rates by Company in St. Charles, Missouri

Insurance Company Average Annual Rates
Allstate $3,855
American Family $3,359
Farmers $4,451
GEICO $2,951
Liberty Mutual $4,841
Nationwide $2,407
Progressive $3,471
State Farm $2,773
USAA $2,727

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Category Winners: Cheapest Car Insurance in St. Charles, Missouri

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

Best Annual Car Insurance Rates by Company in St. Charles, 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

Cheapest St. Charles, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in St. Charles, Missouri

Insurance Company Low Medium High
Allstate $3,696 $3,847 $4,024
American Family $3,251 $3,464 $3,361
Farmers $4,160 $4,411 $4,784
GEICO $2,735 $2,985 $3,133
Liberty Mutual $4,545 $4,870 $5,108
Nationwide $2,257 $2,431 $2,532
Progressive $3,114 $3,481 $3,819
State Farm $2,569 $2,787 $2,963
USAA $2,627 $2,720 $2,834

What affects car insurance rates in St. Charles, Missouri?

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

Commute Time in St. Charles

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Charles, MO is 21.8 minutes according to City-Data.

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Compare Car Insurance Quotes in St. Charles, MO

Ready to find affordable St. Charles, Missouri car insurance today? Enter your ZIP code for fast, free St. Charles, 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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