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St Charles Car Insurance

How much does car insurance cost in St. Charles, MO? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Saint Charles?

Monthly Average Rates by Country, State, and City

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 Saint Charles typically pay around $114.05 per month compared to the national average of $134.05 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.

AreaAverage Monthly Rate
National $134.05
Missouri $106.68
Saint Charles, Missouri $114.05

Saint Charles, MO Best Car Insurance Companies

car insurance in Saint Charles

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 Saint Charles coming in around $73.53 per month. Other companies to consider if you live in Saint Charles is State Farm with an average cost of $112.92 per month and MO Farm Bureau Services which typically runs around $125.37 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Saint Charles.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $73.53-31.08%
2 State Farm $112.925.85%
3 MO Farm Bureau Services $125.3717.51%
4 Auto-Owners Insurance Co $125.4017.54%
5 Allstate $132.0923.81%
6 Nationwide $143.4034.42%
7 American Family $153.8344.19%
8 SAFECO $156.8647.03%
9 Allied $158.8648.91%
10 Encompass $161.0350.94%

How Much is Car Insurance in Saint Charles, MO?

how much is auto insurance in Saint Charles

Rates can vary from city to city. The residents of Columbia typically pay $105.07 per month while people who live in Jefferson City will pay $97.72 per month on average. See what people pay for car insurance in other cities in Missouri.

Missouri CitiesMonthly Average Rate
Columbia $105.07
Jefferson City $97.72
Kansas City $122.64
Saint Charles $114.05
Saint Louis $116.35
Springfield $99.45

Cheap Car Insurance in Saint Charles by Zip Codes

find cheap auto insurance in Saint Charles

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.

Saint Charles, MO ZIP CodeAverage Monthly Rate
63301$109.36
63303$122.28
63304$112.84

Car Insurance Rates by Driver's Age Group in Saint Charles

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $206.84 per month in Saint Charles. Compare that to drivers in their 30’s who typically pay around $112.65 per month drivers in their 40s at $79.00 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 GroupAverage Monthly Rate
16-19$206.84
20s$142.04
30s$112.65
40s$79.00
50s$82.76
60s$86.34
70+$86.56

Cheapest Insurance for Teenage Drivers in Saint Charles

If you are teen in Saint Charles 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 $97.42 per month. This is likely the most affordable option in Saint Charles. You might also want to consider State Farm and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$97.42
State Farm$192.67
Auto-Owners Insurance Co$201.75
Allstate$202.58
SAFECO$215.00

Cheapest Insurance for 20 Year-olds in Saint Charles

20 year-olds in Saint Charles might want to consider USAA who, on average, offers car insurance rates around $97.12 per month. Nationwide , State Farm , Allstate and MO Farm Bureau Services are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$97.12
Nationwide$155.90
State Farm$156.33
Allstate$169.93
MO Farm Bureau Services$170.18

Cheapest Insurance for 30 Year-olds in Saint Charles

If you are in your 30s in Saint Charles our research has found that USAA typically has the most affordable coverage coming in around $60.87 per month, followed by State Farm at $103.87 and Auto-Owners Insurance Co at $103.87.

CompanyAverage Monthly Rate
USAA$60.87
State Farm$103.87
Auto-Owners Insurance Co$103.87
Allstate$104.07
SAFECO$111.50

Cheapest Insurance for 40 Year-olds in Saint Charles

On average, USAA offers car insurance for 40 year-olds in Saint Charles for around $58.15 per month. If you are looking for affordable coverage, you may also want to consider Auto-Owners Insurance Co or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$58.15
Auto-Owners Insurance Co$80.63
State Farm$84.70
MO Farm Bureau Services$92.95
Allstate$114.57

Cheapest Insurance for 50 Year-olds in Saint Charles

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Saint Charles we found that USAA generally offers the most affordable coverage at $55.24 per month.

CompanyAverage Monthly Rate
USAA$55.24
State Farm$80.10
Auto-Owners Insurance Co$84.88
MO Farm Bureau Services$94.24
Nationwide$98.38

Cheapest Insurance for 60 Year-olds in Saint Charles

If you live in Saint Charles and you’re in your 60s, our data indicates that USAA usually has the best rates at $33.00 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$33.00
State Farm$50.00
Auto-Owners Insurance Co$51.88
MO Farm Bureau Services$53.59
American Family$61.38

Driver's Coverage Auto Insurance Rates in Saint Charles, MO

driver's coverage

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 Saint Charles, the average monthly rate for a driver who is currently insured is $103.40 while drivers who are not currently covered will pay around $133.24.

CoverageAverage Monthly Rate
Not Currently Insured $133.24
Currently Insured $103.40

Compare Recent Car Insurance Quotes in Saint Charles

auto insurance quotes in Saint Charles city

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 Saint Charles a driver of a 2007 Hyundai Tucson can expect to pay around $51.07 per month while someone that owns a 2020 Buick Envision may pay around $93.23 per month. Check out the list of recent quotes in Saint Charles below.

VehicleAverage Monthly Rate
2007 Hyundai Tucson$51.07
2020 Buick Envision$93.23
2011 Buick Lacrosse$79.10
2019 Chevrolet Camaro$357.10
2013 Chevrolet Captiva$81.80
2012 Dodge Charger$142.60
2019 Chevrolet Trax$83.71
2019 Kia OPTIMA LX$106.10
2021 Honda Civic$159.45
2007 Pontiac Grand Prix$80.33

FAQ's for Drivers in Saint Charles, MO

driver’s frequently asked question in Saint Charles

What Is the Minimum Liability Coverage Requirement in St. Charles, 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.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

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 St. Charles, MO?

It’s illegal to operate a motor vehicle in Missouri at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

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.

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Commute Time in Saint Charles, MO

21.9 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Saint Charles, MO

384

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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