Best Cheap Auto Insurance in St. Charles, MO (2021)

The average St. Charles, MO auto insurance rates are $286 per month. The minimum auto insurance in St. Charles is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in St. Charles, 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: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in St. Charles for teen drivers is Liberty Mutual
  • The average commute length in St. Charles is 21.8 minutes
  • The minimum auto insurance required in St. Charles, Missouri is 25/50/25

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

Compare auto insurance in St. Charles to other Missouri cities, including Independence auto insurance rates, Springfield auto insurance rates, and Kansas City auto insurance rates to see how St. Charles, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in St. Charles, Missouri

St. Charles, 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 St. Charles, Missouri.

Minimum Required Auto Insurance Coverage in St. Charles, 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 St. Charles, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. Charles, 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 St. Charles, 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 $2,630 $2,535 $2,387 $2,460 $7,566 $8,222 $2,489 $2,555
American Family $2,182 $2,182 $1,945 $1,945 $6,041 $7,845 $2,182 $2,546
Farmers $2,407 $2,392 $2,142 $2,276 $10,226 $10,577 $2,742 $2,849
GEICO $1,893 $2,133 $1,461 $1,923 $6,243 $6,567 $1,702 $1,688
Liberty Mutual $2,830 $3,063 $2,328 $2,614 $10,314 $11,456 $2,971 $3,152
Nationwide $1,581 $1,608 $1,419 $1,496 $4,124 $5,255 $1,815 $1,956
Progressive $2,042 $1,872 $1,684 $1,726 $7,253 $8,134 $2,493 $2,568
State Farm $1,674 $1,674 $1,522 $1,522 $5,199 $6,523 $1,894 $2,176
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Cheap St. Charles, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in St. Charles, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,566 $8,222
American Family $6,041 $7,845
Farmers $10,226 $10,577
GEICO $6,243 $6,567
Liberty Mutual $10,314 $11,456
Nationwide $4,124 $5,255
Progressive $7,253 $8,134
State Farm $5,199 $6,523
USAA $5,002 $6,115

Cheap St. Charles, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in St. Charles, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,387 $2,460
American Family $1,945 $1,945
Farmers $2,142 $2,276
GEICO $1,461 $1,923
Liberty Mutual $2,328 $2,614
Nationwide $1,419 $1,496
Progressive $1,684 $1,726
State Farm $1,522 $1,522
USAA $1,491 $1,518

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

Annual St. Charles, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,288 $3,729 $4,666 $3,739
American Family $2,501 $3,623 $4,446 $2,864
Farmers $3,827 $4,809 $4,698 $4,471
GEICO $2,233 $2,998 $4,129 $2,445
Liberty Mutual $3,503 $5,065 $5,195 $5,601
Nationwide $1,870 $2,428 $3,273 $2,056
Progressive $2,963 $4,082 $3,320 $3,520
State Farm $2,524 $3,022 $2,773 $2,773
USAA $2,179 $2,649 $3,694 $2,385

Cheap St. Charles, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in St. Charles, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,666
American Family $4,446
Farmers $4,698
GEICO $4,129
Liberty Mutual $5,195
Nationwide $3,273
Progressive $3,320
State Farm $2,773
USAA $3,694

Cheap St. Charles, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in St. Charles, Missouri

Insurance Company Poor Fair Good
Allstate $5,308 $3,429 $2,829
American Family $4,388 $3,087 $2,600
Farmers $5,065 $4,249 $4,040
GEICO $4,076 $2,655 $2,123
Liberty Mutual $6,921 $4,255 $3,346
Nationwide $2,830 $2,350 $2,040
Progressive $3,983 $3,340 $3,091
State Farm $3,916 $2,448 $1,956
USAA $4,567 $2,109 $1,505

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Cheap St. Charles, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in St. Charles, Missouri

ZIP Code Average Annual Rates
63301 $2,856
63303 $2,760
63304 $2,831

Cheap St. Charles, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in St. Charles, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,855 $3,855
American Family $3,326 $3,392
Farmers $4,451 $4,451
GEICO $2,901 $3,001
Liberty Mutual $4,841 $4,841
Nationwide $2,407 $2,407
Progressive $3,471 $3,471
State Farm $2,704 $2,843
USAA $2,630 $2,824

Cheap St. Charles, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in St. Charles, Missouri

Insurance Company Low Medium High
Allstate $3,696 $3,847 $4,024
American Family $3,251 $3,464 $3,361
Farmers $4,160 $4,411 $4,784
GEICO $2,735 $2,985 $3,133
Liberty Mutual $4,545 $4,870 $5,108
Nationwide $2,257 $2,431 $2,532
Progressive $3,114 $3,481 $3,819
State Farm $2,569 $2,787 $2,963
USAA $2,627 $2,720 $2,834

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Best By Category: Cheapest Auto Insurance in St. Charles, Missouri

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

Best Annual Auto Insurance Rates by Company in St. Charles, Missouri

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

The Cheapest St. Charles, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in St. Charles, Missouri

Insurance Company Average Annual Rates
Allstate $3,855
American Family $3,359
Farmers $4,451
GEICO $2,951
Liberty Mutual $4,841
Nationwide $2,407
Progressive $3,471
State Farm $2,773
USAA $2,727

What affects auto insurance rates in St. Charles, Missouri?

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

St. Charles Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Charles, Missouri commute length is 21.8 minutes according to City-Data.

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Compare St. Charles, Missouri Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption