Ballwin, MO Car Insurance

Residents of Ballwin pay, on average, about $83 per month for car insurance. Read our guide below to learn more about your specific rates.
How does Ballwin stack up to the rest of the area, or even Missouri as a whole? What can Ballwin residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Ballwin?

Area Average Monthly Car Insurance Premium
Ballwin$83
MO$77
United States$80

Looking at the chart above, you can see that it is around $6 a month more expensive to insure your vehicle in Ballwin than it is in the rest of Missouri.

Similarly, drivers in Ballwin may pay higher rates than the rest of the country. You can expect to pay about $3 more for your policy in Ballwin.

Although these are the average monthly costs for an auto insurance policy in Ballwin, that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Ballwin residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$472
18-24$120
25-34$60
35-44$61
45-54$41
55-64$52
65+$45

It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates rise again in Ballwin.

Average Car Insurance Rates by Gender

Gender Average
Male$80
Female$87

Although women typically pay less than men do for auto insurance, this is not the case in Ballwin, where female drivers pay around $7 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$100
Multiple Accidents$275
1 Ticket$90
Multiple Tickets$89

Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. Drivers in Ballwin with one accident will pay around $100 a month. Similarly, drivers with one ticket will typically pay around $90 on average.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$78
2-3 Years$59
4-5 Years$63
6-7 Years$54
8-10 Years$102
11-14 Years$60
15 Years or Older$122

If you look at the first table above, you'll see that cars are usually the cheapest vehicles to insure in Ballwin, with drivers paying around $75 per month for insurance coverage.

SUV owners can expect to pay an average of around $100 a month for their policy, while truck and van drivers are usually around $81 to insure each month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Ballwin, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$93
Married$56
Divorced$41
Widowed$57

Generally, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Ballwin can be as much as $37 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$99
Live with parents$107

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $52 a month more than if you own your own home in Ballwin. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Ballwin, MO

Recent trends in car insurance for Ballwin drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

In Ballwin, car insurance rates dropped from 2016-2017, before leveling out in 2018. Rates finished down in 2021, at $73 per month

How does Ballwin compare to neighboring areas?

Why are car insurance rates in Ballwin different from other areas?

When considering how much to charge for coverage, car insurance companies will review a number of factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Total drivers
  • Laws
  • Crime rates
  • Access to off-street parking
  • Road Safety (how many accidents each locality has)

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Ballwin?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Luckily, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer plans in Ballwin.

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Ballwin Insurance FAQs

What factors affect car insurance quotes in Ballwin?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

Why is the cost of car insurance in Ballwin different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Ballwin?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Ballwin?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Ballwin or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes