Fenton, MO Car Insurance

On average, drivers in Fenton pay around $92 per month for their car insurance. To learn more about what you're likely to pay in the Fenton area, read our guide below.
What rates can residents of Fenton expect to pay for their car insurance? Compared to their surrounding area, how do rates in Fenton stack up? What about against the rest of Missouri? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Fenton?

Area Average Monthly Car Insurance Premium
Fenton$92
MO$77
United States$80

Coverage for your vehicle in Fenton will typically run you about $15 a month more than in the rest of Missouri.

If you're considering relocating to Fenton from out of state, you may want to budget a little extra for your insurance. It's about $12 more expensive than the national average to insure your vehicle in Fenton.

While these are the average monthly costs for auto insurance coverage in Fenton, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

But worry not, we've done the heavy lifting and broken down the average rate for Fenton to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$137
25-34$72
35-44$86
45-54$75
55-64$66
65+$79

Generally, the older you are, the more experienced you are on the roads, 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 significantly more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up in Fenton.

Average Car Insurance Rates by Gender

Gender Average
Male$86
Female$99

Although women typically pay less than men do for auto insurance, this is not the case in Fenton, where female drivers pay around $13 more a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$157
Multiple Accidents$129
1 TicketNot Enough Data
Multiple Tickets$98

Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Fenton with a single accident will pay around $157 a month.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. 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$123
2-3 Years$79
4-5 Years$98
6-7 Years$96
8-10 Years$111
11-14 Years$101
15 Years or Older$68

In Fenton, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $53 per month for auto insurance coverage.

SUV drivers will see rates of about $74, while the rates for car owners average out to about $102 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Fenton are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$101
Married$58
Divorced$66

Overall, those who have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Fenton as well, where the difference is around $43 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$67
Rent$103
Live with parents$146

Your living situation is another factor that affects your monthly rate. Those who own their own home in Fenton can expect to pay around $36 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.

Car Insurance Companies in Fenton, MO

Recent trends in car insurance for Fenton drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

Car insurance rates in Fenton had been increasing from 2016-2017, and rose again, from 2019-2020. They finished down in 2021, at $86 a month.

How does Fenton compare to neighboring areas?

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

Car insurance companies look at many factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:

  • Local crime rates
  • Road Safety (total number of local car accidents)
  • Total amount of drivers in the area
  • Area regulations
  • Off-street parking access

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Fenton?

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

Good news! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Fenton.

Compare the cheapest quotes from dozens of insurance companies

Fenton Insurance FAQs

What factors affect car insurance quotes in Fenton?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.

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

Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Fenton?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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 Fenton 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?

Find your best rate in just a few minutes