Florissant, MO Auto Insurance (2023)
The average Florissant, MO auto insurance rates are $347 per month. The minimum auto insurance in Florissant is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Florissant, Missouri, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Florissant, MO for senior drivers are $2,310 per year
- The average commute length in Florissant is 25.7 minutes
- The most expensive auto insurance company in Florissant for teen drivers is Farmers
Florissant, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Florissant 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 Florissant, Missouri, including driving record, credit, commute time, and more.
Compare auto insurance in Florissant to other Missouri cities, including O’Fallon auto insurance rates, St. Joseph auto insurance rates, and Lee’s Summit auto insurance rates to see how Florissant, Missouri auto insurance rates stack up.
Before you buy Florissant, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Florissant, Missouri auto insurance quotes.
Minimum Auto Insurance in Florissant, Missouri
Florissant, 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 Florissant, 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 Florissant, Missouri Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Florissant, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,772 | $3,633 | $3,412 | $3,521 | $10,980 | $11,910 | $3,567 | $3,665 |
| American Family | $2,659 | $2,659 | $2,370 | $2,370 | $7,368 | $9,568 | $2,659 | $3,102 |
| Farmers | $3,003 | $2,987 | $2,672 | $2,840 | $12,790 | $13,232 | $3,428 | $3,568 |
| Geico | $2,531 | $2,865 | $1,989 | $2,615 | $8,204 | $8,622 | $2,284 | $2,260 |
| Liberty Mutual | $3,128 | $3,392 | $2,588 | $2,913 | $11,121 | $12,358 | $3,268 | $3,457 |
| Nationwide | $1,914 | $1,948 | $1,721 | $1,814 | $4,914 | $6,262 | $2,192 | $2,362 |
| Progressive | $2,796 | $2,527 | $2,288 | $2,375 | $9,510 | $10,600 | $3,364 | $3,326 |
| State Farm | $1,839 | $1,839 | $1,677 | $1,677 | $5,782 | $7,254 | $2,083 | $2,393 |
| USAA | $1,503 | $1,488 | $1,359 | $1,379 | $4,499 | $5,488 | $1,862 | $2,065 |
Cheap Florissant, Missouri Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Florissant, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Florissant, Missouri.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,980 | $11,910 |
| American Family | $7,368 | $9,568 |
| Farmers | $12,790 | $13,232 |
| Geico | $8,204 | $8,622 |
| Liberty Mutual | $11,121 | $12,358 |
| Nationwide | $4,914 | $6,262 |
| Progressive | $9,510 | $10,600 |
| State Farm | $5,782 | $7,254 |
| USAA | $4,499 | $5,488 |
Cheap Florissant, Missouri Auto Insurance for Seniors
What are senior auto insurance rates in Florissant, Missouri? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,412 | $3,521 |
| American Family | $2,370 | $2,370 |
| Farmers | $2,672 | $2,840 |
| Geico | $1,989 | $2,615 |
| Liberty Mutual | $2,588 | $2,913 |
| Nationwide | $1,721 | $1,814 |
| Progressive | $2,288 | $2,375 |
| State Farm | $1,677 | $1,677 |
| USAA | $1,359 | $1,379 |
Cheap Florissant, 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 Florissant, Missouri compared to the annual auto insurance rates with a clean record in Florissant, Missouri.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,729 | $5,375 | $6,740 | $5,386 |
| American Family | $3,062 | $4,374 | $5,437 | $3,504 |
| Farmers | $4,784 | $6,008 | $5,869 | $5,598 |
| Geico | $2,995 | $3,961 | $5,461 | $3,269 |
| Liberty Mutual | $3,821 | $5,518 | $5,663 | $6,110 |
| Nationwide | $2,259 | $2,916 | $3,911 | $2,478 |
| Progressive | $3,954 | $5,368 | $4,408 | $4,663 |
| State Farm | $2,788 | $3,348 | $3,068 | $3,068 |
| USAA | $1,960 | $2,389 | $3,328 | $2,146 |
Cheap Florissant, Missouri Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Florissant, Missouri is not easy. Compare the annual rates for DUI auto insurance in Florissant, Missouri to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,740 |
| American Family | $5,437 |
| Farmers | $5,869 |
| Geico | $5,461 |
| Liberty Mutual | $5,663 |
| Nationwide | $3,911 |
| Progressive | $4,408 |
| State Farm | $3,068 |
| USAA | $3,328 |
Cheap Florissant, Missouri Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Florissant, Missouri annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,702 | $4,926 | $4,044 |
| American Family | $5,349 | $3,764 | $3,169 |
| Farmers | $6,340 | $5,308 | $5,046 |
| Geico | $5,428 | $3,524 | $2,812 |
| Liberty Mutual | $7,562 | $4,631 | $3,641 |
| Nationwide | $3,413 | $2,818 | $2,441 |
| Progressive | $5,345 | $4,405 | $4,044 |
| State Farm | $4,353 | $2,702 | $2,149 |
| USAA | $4,080 | $1,912 | $1,375 |
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Cheap Florissant, Missouri Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Florissant, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Florissant, Missouri to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 63031 | $3,436 |
| 63033 | $3,569 |
Cheap Florissant, Missouri Auto Insurance Rates By Commute
Commute length and annual mileage affect Florissant, Missouri auto insurance. Find the cheapest annual Florissant, Missouri auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,558 | $5,558 |
| American Family | $4,054 | $4,134 |
| Farmers | $5,565 | $5,565 |
| Geico | $3,849 | $3,994 |
| Liberty Mutual | $5,278 | $5,278 |
| Nationwide | $2,891 | $2,891 |
| Progressive | $4,598 | $4,598 |
| State Farm | $2,990 | $3,146 |
| USAA | $2,367 | $2,544 |
Cheap Florissant, Missouri Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Florissant, Missouri? Check out the comparison of annual Florissant, Missouri auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,304 | $5,545 | $5,824 |
| American Family | $3,971 | $4,222 | $4,089 |
| Farmers | $5,189 | $5,509 | $5,997 |
| Geico | $3,606 | $3,960 | $4,198 |
| Liberty Mutual | $4,905 | $5,310 | $5,620 |
| Nationwide | $2,686 | $2,919 | $3,067 |
| Progressive | $3,930 | $4,616 | $5,248 |
| State Farm | $2,835 | $3,085 | $3,284 |
| USAA | $2,344 | $2,446 | $2,576 |
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Best By Category: Cheapest Auto Insurance in Florissant, Missouri
Compare the cheapest auto insurance companies in Florissant, Missouri in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Florissant, Missouri Auto Insurance Companies
What auto insurance companies in Florissant, Missouri are the cheapest? Compare the top Florissant, Missouri auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,558 |
| American Family | $4,094 |
| Farmers | $5,565 |
| Geico | $3,921 |
| Liberty Mutual | $5,278 |
| Nationwide | $2,891 |
| Progressive | $4,598 |
| State Farm | $3,068 |
| USAA | $2,456 |
What affects auto insurance rates in Florissant, Missouri?
There are a lot of reasons why auto insurance rates in Florissant, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Florissant, Missouri. Many local factors may affect your Florissant auto insurance rates.
Florissant Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Florissant, Missouri commute length is 25.7 minutes according to City-Data.
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Compare Florissant, Missouri Auto Insurance Quotes
Before you buy Florissant, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Florissant, Missouri auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance that provides financial protection for vehicles and drivers in the event of accidents, theft, or other covered damages. It typically includes coverage for bodily injury liability, property damage liability, medical payments, collision, and comprehensive coverage.
Why is auto insurance important in Florissant, MO?
Auto insurance is important in Florissant, MO, just like in any other place, because it helps protect drivers from financial losses in case of accidents or other unforeseen events. In Missouri, auto insurance is also a legal requirement, and drivers must carry minimum liability coverage to comply with the state’s laws.
What are the minimum auto insurance requirements in Florissant, MO?
In Florissant, MO, and throughout Missouri, the minimum auto insurance requirements are as follows:
- $25,000 for bodily injury liability coverage per person
- $50,000 for bodily injury liability coverage per accident
- $10,000 for property damage liability coverage per accident
What factors can affect auto insurance rates in Florissant, MO?
Several factors can influence auto insurance rates in Florissant, MO. These factors typically include:
- Age and gender of the driver
- Driving history and record
- Type of vehicle being insured
- Annual mileage
- Location (Florissant, MO, in this case)
- Coverage limits and deductibles selected
- Credit history (in some cases)
Are there any discounts available for auto insurance in Florissant, MO?
Yes, many insurance companies offer various discounts that may be available to auto insurance policyholders in Florissant, MO. Some common discounts include:
- Multi-policy discount (for bundling auto and home insurance)
- Good driver discount (for maintaining a clean driving record)
- Good student discount (for students with good grades)
- Safety features discount (for vehicles with safety equipment)
- Anti-theft device discount
- Low mileage discount
The availability and specifics of discounts may vary between insurance companies, so it’s a good idea to ask your insurance agent or provider about the discounts they offer.
Can I get auto insurance with a bad driving record in Florissant, MO?
While having a bad driving record may make it more challenging to find affordable auto insurance, it is still possible to obtain coverage in Florissant, MO. Some insurers specialize in providing insurance for high-risk drivers or those with a less-than-perfect driving history. However, insurance premiums for drivers with a bad record are typically higher. Shopping around and comparing quotes from multiple insurance providers can help you find the best possible rates.
How can I lower my auto insurance premiums in Florissant, MO?
There are several ways you can potentially lower your auto insurance premiums in Florissant, MO:
- Maintain a good driving record.
- Increase your deductibles.
- Ask about available discounts.
- Bundle your auto insurance with other policies (such as home insurance) with the same insurer.
- Install safety features in your vehicle.
- Consider reducing coverage on older vehicles.
- Periodically review and update your policy to ensure it aligns with your current needs.
It’s always a good idea to consult with your insurance agent or provider to explore specific options and discounts that may be available to you.
What should I do if I’m involved in an auto accident in Florissant, MO?
If you’re involved in an auto accident in Florissant, MO, take the following steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange information with the other driver(s) involved, including names, contact details, and insurance information.
- Document the accident scene by taking photos or videos, if possible.
- Notify your insurance provider about the accident as soon as possible.
- Cooperate with the claims process and provide any necessary documentation or statements.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.