Buy Cheap St. Charles, MO Auto Insurance (2022)

St. Charles, MO auto insurance rates average $286 a month. Minimum auto insurance requirements in St. Charles, Missouri are 25/50/25 to comply with Missouri laws. To buy cheap auto insurance in St. Charles, MO, compare St. Charles auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in St. Charles is Liberty Mutual
  • The most expensive auto insurance company in St. Charles after a DUI is Liberty Mutual
  • Average auto insurance rates in St. Charles, MO are $286/month

Finding affordable St. Charles, Missouri auto insurance can be challenging, but everything you need to know to buy cheap St. Charles, MO auto insurance with confidence is right here. Auto insurance rates in St. Charles are affected by local factors as well as personal ones like your driving record.

See how St. Charles, MO car insurance rates compare to St. Joseph auto insurance rates, Independence auto insurance rates, and St. Louis auto insurance rates before you read more about the cost of auto insurance in St. Charles.

Don’t buy St. Charles, MO auto insurance until you’ve compared rates. Get free St. Charles, Missouri auto insurance quotes when you enter your ZIP code above.

St. Charles, MO Minimum Auto Insurance Requirements

The required auto insurance in St. Charles, MO is 25/50/25 according to the auto insurance laws in Missouri. The minimum auto insurance in St. Charles, Missouri is outlined here.

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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Find Cheap St. Charles, MO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in St. Charles, MO. Take a look at St. Charles, Missouri auto insurance rates by credit history.

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

Buy Cheap St. Charles, MO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect St. Charles, Missouri auto insurance rates? Find out how car insurance rates in St. Charles, MO are impacted by demographics.

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

Buy Cheap St. Charles, MO Auto Insurance for Teen Drivers

Auto insurance for teenagers in St. Charles can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in St. Charles, MO are listed here.

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

Buy Cheap St. Charles, MO Auto Insurance for Seniors

You can save on senior auto insurance rates in St. Charles, Missouri by comparing St. Charles senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in St. Charles, MO here.

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

Find Cheap Auto Insurance Rates in St. Charles, MO by Coverage Level

The amount of coverage you choose is a big factor in the cost of St. Charles, Missouri auto insurance. Compare St. Charles, MO 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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Find Cheap St. Charles, MO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in St. Charles. Compare auto insurance rates in St. Charles, MO by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap St. Charles, MO Auto Insurance Rates by ZIP Code

Auto insurance rates in St. Charles, Missouri can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in St. Charles, MO to see how much where you live in St. Charles affects the cost of car insurance.

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

Find Cheap St. Charles, MO Auto Insurance Rates by Driving Record

Auto insurance rates in St. Charles, Missouri are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in St. Charles, MO, take a look at the average cost for various violations versus rates for a clean driving record in St. Charles.

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

Find Cheap St. Charles, MO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in St. Charles, Missouri is higher than for a clean driving record. You can buy auto insurance after a DUI in St. Charles for less when you shop around and compare rates from multiple St. Charles, MO auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in St. Charles, MO

Compare rates from the cheapest auto insurance companies in St. Charles, MO for your needs. Take a look at how St. Charles, Missouri auto insurance companies stack up for each category.

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

Find Cheap St. Charles, Missouri Auto Insurance Companies

If you’re looking for the cheapest St. Charles, MO auto insurance companies overall, you can compare them here. Find the best price for St. Charles, Missouri car insurance by company.

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 St. Charles, Missouri auto insurance rates?

Local factors affect auto insurance rates in St. Charles, MO, including traffic, theft statistics, and commute length. Take a look at the things that impact St. Charles auto insurance rates.

Commute Times in St. Charles

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in St. Charles, MO is 21.8 minutes according to City-Data.

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Compare Auto Insurance Quotes in St. Charles, MO

You can buy cheap St. Charles, MO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free St. Charles, Missouri auto insurance quotes from top companies.

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