Best Cheap Auto Insurance in Chesterfield, MO (2021)

The average Chesterfield, MO auto insurance rates are $307 per month. The minimum auto insurance in Chesterfield is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Chesterfield, Missouri, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Chesterfield is Nationwide
  • The average commute length in Chesterfield is 23.0 minutes
  • The most expensive auto insurance company in Chesterfield for teen drivers is Farmers

Chesterfield, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Chesterfield 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 Chesterfield, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in Chesterfield to other Missouri cities, including Kansas City auto insurance rates, St. Peters auto insurance rates, and St. Louis auto insurance rates to see how Chesterfield, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Chesterfield, Missouri

Chesterfield, 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 Chesterfield, Missouri.

Minimum Required Auto Insurance Coverage in Chesterfield, 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 Chesterfield, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Chesterfield, 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 Chesterfield, 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 $3,087 $2,975 $2,794 $2,881 $8,937 $9,726 $2,924 $3,006
American Family $2,418 $2,418 $2,156 $2,156 $6,762 $8,776 $2,418 $2,817
Farmers $2,569 $2,550 $2,284 $2,427 $10,992 $11,370 $2,926 $3,035
GEICO $1,951 $2,191 $1,519 $1,989 $6,352 $6,658 $1,762 $1,740
Liberty Mutual $2,844 $3,077 $2,342 $2,630 $10,395 $11,545 $2,982 $3,159
Nationwide $1,683 $1,711 $1,512 $1,592 $4,419 $5,627 $1,936 $2,085
Progressive $2,310 $2,112 $1,905 $1,955 $8,199 $9,185 $2,815 $2,884
State Farm $1,789 $1,789 $1,628 $1,628 $5,562 $6,976 $2,024 $2,326
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Cheap Chesterfield, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Chesterfield, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,937 $9,726
American Family $6,762 $8,776
Farmers $10,992 $11,370
GEICO $6,352 $6,658
Liberty Mutual $10,395 $11,545
Nationwide $4,419 $5,627
Progressive $8,199 $9,185
State Farm $5,562 $6,976
USAA $5,002 $6,115

Cheap Chesterfield, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Chesterfield, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,794 $2,881
American Family $2,156 $2,156
Farmers $2,284 $2,427
GEICO $1,519 $1,989
Liberty Mutual $2,342 $2,630
Nationwide $1,512 $1,592
Progressive $1,905 $1,955
State Farm $1,628 $1,628
USAA $1,491 $1,518

Cheap Chesterfield, 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 Chesterfield, Missouri compared to the annual auto insurance rates with a clean record in Chesterfield, Missouri.

Annual Chesterfield, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,869 $4,389 $5,504 $4,403
American Family $2,779 $4,014 $4,980 $3,188
Farmers $4,094 $5,159 $5,038 $4,787
GEICO $2,297 $3,067 $4,207 $2,510
Liberty Mutual $3,523 $5,098 $5,227 $5,638
Nationwide $1,992 $2,593 $3,506 $2,192
Progressive $3,350 $4,607 $3,751 $3,975
State Farm $2,699 $3,232 $2,965 $2,965
USAA $2,179 $2,649 $3,694 $2,385

Cheap Chesterfield, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Chesterfield, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,504
American Family $4,980
Farmers $5,038
GEICO $4,207
Liberty Mutual $5,227
Nationwide $3,506
Progressive $3,751
State Farm $2,965
USAA $3,694

Cheap Chesterfield, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Chesterfield, Missouri

Insurance Company Poor Fair Good
Allstate $6,265 $4,036 $3,323
American Family $4,889 $3,437 $2,894
Farmers $5,421 $4,556 $4,332
GEICO $4,172 $2,716 $2,172
Liberty Mutual $6,963 $4,284 $3,368
Nationwide $3,022 $2,512 $2,178
Progressive $4,502 $3,771 $3,489
State Farm $4,190 $2,617 $2,090
USAA $4,567 $2,109 $1,505

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Cheap Chesterfield, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Chesterfield, Missouri

ZIP Code Average Annual Rates
63005 $3,063
63017 $3,008
63141 $3,029

Cheap Chesterfield, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Chesterfield, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,541 $4,541
American Family $3,703 $3,777
Farmers $4,769 $4,769
GEICO $2,968 $3,072
Liberty Mutual $4,872 $4,872
Nationwide $2,571 $2,571
Progressive $3,921 $3,921
State Farm $2,891 $3,040
USAA $2,630 $2,824

Cheap Chesterfield, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Chesterfield, Missouri

Insurance Company Low Medium High
Allstate $4,370 $4,532 $4,722
American Family $3,618 $3,857 $3,746
Farmers $4,456 $4,727 $5,125
GEICO $2,789 $3,056 $3,216
Liberty Mutual $4,566 $4,902 $5,147
Nationwide $2,411 $2,596 $2,705
Progressive $3,498 $3,933 $4,330
State Farm $2,747 $2,980 $3,169
USAA $2,627 $2,720 $2,834

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Best By Category: Cheapest Auto Insurance in Chesterfield, Missouri

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

Best Annual Auto Insurance Rates by Company in Chesterfield, Missouri

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

The Cheapest Chesterfield, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Chesterfield, Missouri

Insurance Company Average Annual Rates
Allstate $4,541
American Family $3,740
Farmers $4,769
GEICO $3,020
Liberty Mutual $4,872
Nationwide $2,571
Progressive $3,921
State Farm $2,965
USAA $2,727

What affects auto insurance rates in Chesterfield, Missouri?

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

Chesterfield Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Chesterfield, Missouri commute length is 23.0 minutes according to City-Data.

Chesterfield Traffic

How does Chesterfield, Missouri rank for traffic? According to Inrix Chesterfield, Missouri is the 520th most congested worldwide.

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Compare Chesterfield, Missouri Auto Insurance Quotes

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