How much does car insurance cost in Chesterfield, MO? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Missouri has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Chesterfield typically pay around $139.80 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
Missouri | $150.61 |
Chesterfield, Missouri | $139.80 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Chesterfield coming in around $89.02 per month. Other companies to consider if you live in Chesterfield is State Farm with an average cost of $106.26 per month and Clearcover which typically runs around $119.36 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Chesterfield.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | USAA | $89.02 | -40.90% |
2 | State Farm | $106.26 | -29.45% |
3 | Clearcover | $119.36 | -20.75% |
4 | MO Farm Bureau Services | $126.76 | -15.84% |
5 | Electric | $157.75 | 4.74% |
6 | Allstate | $161.37 | 7.14% |
7 | Allied | $168.76 | 12.04% |
8 | Farmers | $172.42 | 14.48% |
9 | American Family | $185.18 | 22.95% |
10 | Nationwide | $189.41 | 25.76% |
Rates can vary from city to city. The residents of Ballwin typically pay $125.98 per month while people who live in Blue Springs will pay $136.60 per month on average. See what people pay for car insurance in other cities in Missouri.
Missouri Cities | Monthly Average Rate |
---|---|
Ballwin | $125.98 |
Blue Springs | $136.60 |
Cape Girardeau | $127.50 |
Chesterfield | $139.80 |
Columbia | $117.49 |
Florissant | $216.65 |
Independence | $141.50 |
Jefferson City | $109.26 |
Joplin | $119.00 |
Kansas City | $171.90 |
Lees summit | $126.67 |
Saint Charles | $143.68 |
Saint Joseph | $120.04 |
Saint Louis | $213.48 |
Springfield | $128.65 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Missouri. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Chesterfield, MO ZIP Code | Average Monthly Rate |
---|---|
63017 | $145.47 |
63005 | $119.64 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $121.34 per month in Chesterfield. Compare that to drivers in their 30’s who typically pay around $143.36 per month drivers in their 40s at $238.01 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
70+ | $121.34 |
60s | $102.92 |
20s | $143.36 |
50s | $238.01 |
16-19 | $405.51 |
30s | $108.03 |
40s | $182.17 |
If you are teen in Chesterfield you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $216.83 per month. This is likely the most affordable option in Chesterfield. You might also want to consider Allstate and State Farm who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
USAA | $216.83 |
Allstate | $400.83 |
State Farm | $442.00 |
MO Farm Bureau Services | $448.08 |
Encompass | $519.83 |
20 year-olds in Chesterfield might want to consider USAA who, on average, offers car insurance rates around $88.06 per month. State Farm , MO Farm Bureau Services , Allstate and Dairyland Auto are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
USAA | $88.06 |
State Farm | $118.11 |
MO Farm Bureau Services | $139.11 |
Allstate | $154.10 |
Dairyland Auto | $176.32 |
If you are in your 30s in Chesterfield our research has found that USAA typically has the most affordable coverage coming in around $72.79 per month, followed by State Farm at $105.38 and MO Farm Bureau Services at $134.88.
Company | Average Monthly Rate |
---|---|
USAA | $72.79 |
State Farm | $105.38 |
MO Farm Bureau Services | $134.88 |
Allied | $148.98 |
Nationwide | $160.67 |
On average, USAA offers car insurance for 40 year-olds in Chesterfield for around $78.50 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Liberty Mutual. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
USAA | $78.50 |
State Farm | $105.68 |
Liberty Mutual | $124.50 |
MO Farm Bureau Services | $133.90 |
Allied | $145.35 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Chesterfield we found that USAA generally offers the most affordable coverage at $68.00 per month.
Company | Average Monthly Rate |
---|---|
USAA | $68.00 |
State Farm | $88.42 |
Electric | $98.17 |
MO Farm Bureau Services | $108.42 |
Nationwide | $138.00 |
If you live in Chesterfield and you’re in your 60s, our data indicates that USAA usually has the best rates at $68.88 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
USAA | $68.88 |
State Farm | $96.51 |
MO Farm Bureau Services | $117.00 |
Allstate | $134.90 |
Allied | $138.89 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Chesterfield, the average monthly rate for a driver who is currently insured is $137.78 while drivers who are not currently covered will pay around $140.22.
Coverage | Average Monthly Rate |
---|---|
Currently Insured | $140.22 |
Not Currently Insured | $137.78 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Chesterfield a driver of a 2003 Ford Taurus can expect to pay around $156.36 per month while someone that owns a 2011 Ford Edge may pay around $66.58 per month. Check out the list of recent quotes in Chesterfield below.
Vehicle | Average Monthly Rate |
---|---|
2003 Ford Taurus | $156.36 |
2011 Ford Edge | $66.58 |
2011 Buick Enclave | $135.20 |
2008 Honda Civic | $136.98 |
2021 Honda Civic | $151.25 |
2022 Honda Accord | $231.96 |
2016 Nissan Pathfinder | $86.72 |
What Is the Minimum Liability Coverage Requirement in Chesterfield, MO?
Each state sets its own minimum auto insurance coverage limits. In Missouri, every registered vehicle must have coverage of at least $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability per accident.
Uninsured motorist coverage is also required in Missouri in the minimum amounts of $25,000 bodily injury per person and $50,000 bodily injury per accident. This type of insurance is a safeguard in the event of an accident with another motorist who’s illegally driving without coverage.
Some drivers are perfectly content to ride around with the minimum coverage required by state law. But it’s important to recognize that the minimum might not be enough should you have the misfortune of getting into a serious accident. Also, this basic coverage doesn’t pay for certain types of damage or vehicle problems resulting from other circumstances besides an accident. This is where optional coverages enter the picture. They provide a lot more peace of mind—and financial protection—to help you truly benefit from your insurance investment down the road.
What Is the Blood Alcohol Concentration (BAC) limit in Chesterfield, MO?
It’s illegal to operate a motor vehicle in Missouri at the following BAC percentages:
Learn more about the state’s driving while intoxicated (DWI) laws, processes, and penalties on the Missouri Department of Revenue.
What is uninsured motorist coverage and is it required in Missouri?
Uninsured motorist coverage pays for damage and injuries caused by another driver who doesn’t have car insurance. Driving without coverage may be against the law, but it happens more than you might realize. Every year, thousands of Missouri residents are involved in a crash with an uninsured or underinsured driver.
Missouri mandates uninsured motorist coverage in the amounts of $25,000 bodily injury per person and $50,000 bodily injury per accident. This is an attempt to protect consumers and insurance companies, ultimately helping to keep premiums down for everyone in the state.
Check Out Other Rates in Chesterfield, MO Nearby Cities:
Commute Time in Chesterfield, MO
22.7 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Chesterfield, MO
387 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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