Table of contents
How much is car insurance in Chesterfield?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Missouri are about $6 a month cheaper than the rates drivers pay in Chesterfield.
Similarly, Chesterfield residents will likely pay higher rates to insure their vehicle than in the rest of the country. Coverage in Chesterfield is about $3 more expensive than it is for the rest of the U.S.
These rates may be the average amount residents of Chesterfield pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Chesterfield to help you understand what your monthly premium might be. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates creep back up in Chesterfield.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Chesterfield, male drivers pay about $26 more a month. Based on the chart above, you can see that female drivers pay around $64 on average, while male drivers typically pay $90 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Chesterfield with one accident will pay around $173 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $127.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. 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||$128|
|15 Years or Older||$51|
The most affordable vehicles to insure in Chesterfield are usually trucks and vans, which run about $35 per month.
Car owners can expect to pay an average of around $89 a month for their policy, while SUVs usually cost around $71 a month to insure.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Chesterfield, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$95|
On average, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will offer 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 Chesterfield can be as much as $39 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your living accommodations is another component of how insurance companies calculate your monthly rate. Those who own their own home in Chesterfield can expect to pay around $46 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Chesterfield, MO
Recent trends in car insurance for Chesterfield drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.
In Chesterfield, car insurance rates dropped from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $60 per month
How does Chesterfield compare to neighboring areas?
Why are car insurance rates in Chesterfield different from other areas?
Car insurance companies look at many factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Crime rates
- Regional regulations
- Availability of off-street parking
- Road Safety (frequency of car accidents)
- Amount of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Chesterfield?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer auto coverage in Chesterfield.
Chesterfield Insurance FAQs
What factors affect car insurance quotes in Chesterfield?
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 driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Chesterfield different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Chesterfield?
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 Chesterfield?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Chesterfield or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?