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How much is car insurance in Ballwin?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Ballwin is about $13 a month more expensive than the rest of Missouri.
Similarly, Ballwin residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $8 more for coverage in Ballwin than in the rest of the U.S.
Bear in mind that while these rates represent the expected monthly payments for drivers in Ballwin, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down the average rate 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. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement in Ballwin.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While female drivers pay slightly less than male drivers on their monthly auto coverage, the difference in Ballwin is only about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Ballwin, a driving record with one accident will usually get you a rate around $100 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $70.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$74|
|15 Years or Older||$124|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Ballwin, with drivers paying around $81 per month for auto insurance coverage.
SUV drivers will see rates of about $99, while the rates for car owners average out to about $85 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is around 5 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)||$98|
Generally speaking, people who are married will pay slightly less for auto insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Ballwin as well, where the difference is around $41 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Another factor taken into consideration is your housing situation. If you rent your home or apartment in Ballwin, expect to pay around $57 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Ballwin, MO
Recent trends in car insurance for Ballwin drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The cost of auto insurance in Ballwin went up from 2017-2018, where it reached a high of $85, before leveling out in 2019. Car insurance rates increased again in 2020, and finished down at $46 in 2022.
How does Ballwin compare to neighboring areas?
Why are car insurance rates in Ballwin different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Total amount of drivers in the community
- Crime rates
- Off-street parking availability
- Frequency of car accidents
- Local laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Ballwin?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Ballwin in no time.
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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 vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Ballwin different from other neighboring cities?
Things like local laws, crime rates, and parking situations, 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?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ballwin?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Ballwin or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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