At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Florissant?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Florissant are about $33 a month more expensive than the rest of Missouri.
Likewise, Florissant residents will likely pay higher rates for their insurance policy than the rest of the country. It's around $28 more expensive for coverage in Florissant than the average rates seen in the rest of the U.S.
Although these are the average car insurance rates in Florissant, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But don't worry, we've broken down the average rates for Florissant residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Find your best rate in just a few minutes
Florissant Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $83 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up a bit in Florissant.
Florissant Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Florissant, this difference shakes out to about $7 per month. As you can see in the table above, female drivers in the area typically pay $105 on average, while female drivers typically pay $112 each month.
Florissant Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Florissant with a single accident on their record will usually see rates around $122 a month. In addition, drivers with a single ticket on their record can expect to pay around $112 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Florissant Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$132|
|15 Years or Older||$117|
As you can see in the first table above, the cheapest vehicles to insure in Florissant are usually SUVs, which run about $96 per month.
Car owners can expect to pay an average of around $107 a month for their policy, while truck and van drivers are usually around $160 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Florissant, the most expensive vehicles to insure are vehicles less than one year old.
Florissant Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$113|
Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Florissant is about $12 a month, with married couples paying less for coverage than single drivers.
Florissant Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
One other element taken into consideration is your living accommodations. In Florissant, homeowners can expect to pay around $22 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Florissant, MO
Recent trends in car insurance for Florissant drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance coverage in Florissant had been increasing consistently from 2017-2021. It finished down in 2022, at $105.
How does Florissant compare to neighboring areas?
Why are car insurance rates in Florissant different from other areas?
Car insurance companies look at numerous factors when they're figuring out how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Off-street parking availability
- Prevalence of crime
- Road Safety (frequency of car accidents)
- Local regulations
- Number of drivers
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Florissant?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Florissant in no time.
Find your best rate in just a few minutes
Florissant Auto Insurance FAQs
What factors affect car insurance quotes in Florissant?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Florissant different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, 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 Florissant?
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 Florissant?
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. 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 Florissant or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
Find your best rate in just a few minutes