Best Cheap Auto Insurance in Affton, MO (2021)

The average Affton, MO auto insurance rates are $313 per month. The minimum auto insurance in Affton is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Affton, Missouri, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Affton is Nationwide
  • The minimum auto insurance required in Affton, Missouri is 25/50/25
  • The most expensive auto insurance company in Affton for teen drivers is Farmers

Affton, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Affton can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Affton, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in Affton to other Missouri cities, including St. Charles auto insurance rates, O’Fallon auto insurance rates, and St. Peters auto insurance rates to see how Affton, Missouri auto insurance rates stack up.

Before you buy Affton, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Affton, Missouri auto insurance quotes.

Minimum Auto Insurance in Affton, Missouri

Affton, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Affton, Missouri.

Minimum Required Auto Insurance Coverage in Affton, 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

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Cheap Affton, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Affton, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Affton, 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 $2,839 $2,731 $2,582 $2,660 $8,289 $9,025 $2,676 $2,743
American Family $2,372 $2,372 $2,116 $2,116 $6,658 $8,635 $2,372 $2,762
Farmers $2,849 $2,835 $2,532 $2,688 $12,229 $12,674 $3,255 $3,390
GEICO $2,164 $2,453 $1,669 $2,204 $7,170 $7,575 $1,934 $1,926
Liberty Mutual $2,921 $3,163 $2,415 $2,716 $10,645 $11,823 $3,051 $3,224
Nationwide $1,734 $1,761 $1,561 $1,641 $4,510 $5,732 $1,990 $2,140
Progressive $2,308 $2,104 $1,902 $1,954 $8,184 $9,158 $2,806 $2,867
State Farm $1,779 $1,779 $1,626 $1,626 $5,573 $6,989 $2,014 $2,309
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Cheap Affton, Missouri Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Affton, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Affton, Missouri.

Annual Auto Insurance Rates for Teen Drivers in Affton, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,289 $9,025
American Family $6,658 $8,635
Farmers $12,229 $12,674
GEICO $7,170 $7,575
Liberty Mutual $10,645 $11,823
Nationwide $4,510 $5,732
Progressive $8,184 $9,158
State Farm $5,573 $6,989
USAA $5,002 $6,115

Cheap Affton, Missouri Auto Insurance for Seniors

What are senior auto insurance rates in Affton, Missouri? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Affton, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,582 $2,660
American Family $2,116 $2,116
Farmers $2,532 $2,688
GEICO $1,669 $2,204
Liberty Mutual $2,415 $2,716
Nationwide $1,561 $1,641
Progressive $1,902 $1,954
State Farm $1,626 $1,626
USAA $1,491 $1,518

Cheap Affton, Missouri Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Affton, Missouri compared to the annual auto insurance rates with a clean record in Affton, Missouri.

Annual Affton, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,567 $4,052 $5,089 $4,064
American Family $2,721 $3,948 $4,904 $3,128
Farmers $4,555 $5,735 $5,601 $5,334
GEICO $2,559 $3,431 $4,751 $2,807
Liberty Mutual $3,610 $5,229 $5,356 $5,785
Nationwide $2,045 $2,657 $3,584 $2,249
Progressive $3,341 $4,595 $3,741 $3,964
State Farm $2,692 $3,231 $2,962 $2,962
USAA $2,179 $2,649 $3,694 $2,385

Cheap Affton, Missouri Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Affton, Missouri is not easy. Compare the annual rates for DUI auto insurance in Affton, Missouri to find the best deal.

Annual Auto Insurance Rates After a DUI in Affton, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,089
American Family $4,904
Farmers $5,601
GEICO $4,751
Liberty Mutual $5,356
Nationwide $3,584
Progressive $3,741
State Farm $2,962
USAA $3,694

Cheap Affton, Missouri Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Affton, Missouri annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Affton, Missouri

Insurance Company Poor Fair Good
Allstate $5,779 $3,730 $3,071
American Family $4,802 $3,379 $2,845
Farmers $6,037 $5,066 $4,817
GEICO $4,683 $3,045 $2,432
Liberty Mutual $7,143 $4,390 $3,451
Nationwide $3,100 $2,572 $2,229
Progressive $4,495 $3,760 $3,476
State Farm $4,199 $2,609 $2,077
USAA $4,567 $2,109 $1,505

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Cheap Affton, Missouri Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Affton, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Affton, Missouri to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Affton, Missouri

ZIP Code Average Annual Rates
63123 $3,101

Cheap Affton, Missouri Auto Insurance Rates By Commute

Commute length and annual mileage affect Affton, Missouri auto insurance. Find the cheapest annual Affton, Missouri auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Affton, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,193 $4,193
American Family $3,639 $3,711
Farmers $5,306 $5,306
GEICO $3,329 $3,445
Liberty Mutual $4,995 $4,995
Nationwide $2,634 $2,634
Progressive $3,910 $3,910
State Farm $2,887 $3,037
USAA $2,630 $2,824

Cheap Affton, Missouri Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Affton, Missouri? Check out the comparison of annual Affton, Missouri auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Affton, Missouri

Insurance Company Low Medium High
Allstate $4,021 $4,183 $4,375
American Family $3,553 $3,791 $3,682
Farmers $4,952 $5,254 $5,713
GEICO $3,145 $3,422 $3,594
Liberty Mutual $4,648 $5,026 $5,310
Nationwide $2,458 $2,659 $2,784
Progressive $3,482 $3,924 $4,324
State Farm $2,728 $2,977 $3,181
USAA $2,627 $2,720 $2,834

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Best By Category: Cheapest Auto Insurance in Affton, Missouri

Compare the cheapest auto insurance companies in Affton, Missouri in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Affton, Missouri

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

The Cheapest Affton, Missouri Auto Insurance Companies

What auto insurance companies in Affton, Missouri are the cheapest? Compare the top Affton, Missouri auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Affton, Missouri

Insurance Company Average Annual Rates
Allstate $4,193
American Family $3,675
Farmers $5,306
GEICO $3,387
Liberty Mutual $4,995
Nationwide $2,634
Progressive $3,910
State Farm $2,962
USAA $2,727

What affects auto insurance rates in Affton, Missouri?

There are a lot of reasons why auto insurance rates in Affton, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Affton, Missouri. Many local factors may affect your Affton auto insurance rates.

Affton Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Affton, Missouri commute length is 24.2 minutes according to City-Data.

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Compare Affton, Missouri Auto Insurance Quotes

Before you buy Affton, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Affton, Missouri auto insurance quotes.

Free Auto Insurance Comparison

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

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