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How much is car insurance in Chesterfield?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Chesterfield are in line with rates across the rest of Missouri.
Compared to the national average cost of auto insurance coverage, Chesterfield has lower rates. It's around $3 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Chesterfield, and that the rate you get could end up being something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've analyzed the average rate for Chesterfield and broken down the different factors to help you understand what exactly you might be asked to pay. 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 older drivers would have more experience behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Chesterfield drivers may see their rates climb back up a bit once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Chesterfield, this difference shakes out to about $22 a month. As illustrated in the table above, male drivers in the area pay about $85 on average, while female drivers pay around $63 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Chesterfield with a single accident will pay around $139 a month. Similarly, drivers with one ticket will typically pay around $72 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. 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||$107|
|15 Years or Older||$40|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Chesterfield, with drivers paying around $35 per month for auto insurance coverage.
SUV drivers will see rates of about $67, while the rates for car owners average out to about $85 per month.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Chesterfield, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$88|
Generally speaking, those who are currently married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Chesterfield, with married couples paying about $32 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
One other element taken into consideration is your living accommodations. If you rent your home or apartment in Chesterfield, expect to pay around $47 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Chesterfield, MO
Recent trends in car insurance for Chesterfield drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The rates for auto insurance in Chesterfield had been increasing from 2017-2018, before leveling out in 2019. They finished up in 2022, at $54 a month
How does Chesterfield compare to neighboring areas?
Why are car insurance rates in Chesterfield different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:
- Amount of drivers in the community
- Local laws
- General road safety (how many accidents each locality has)
- Availability of off-street parking
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 Chesterfield?
While getting familiar with 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.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Chesterfield.
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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?
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 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?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Chesterfield or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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