Table of contents
How much is car insurance in Florissant?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Florissant are about $20 a month more expensive than the rest of Missouri.
Drivers relocating the Florissant should take note of the differences in average rates. It's about $17 more expensive than the national average to insure your vehicle in Florissant.
Bear in mind that while these rates are the average costs for residents of Florissant, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto 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 policy payment.
Don't sweat it however, we've broken down average rates for Florissant residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates begin to increase again in Florissant.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While male drivers actually pay slightly less than female drivers on their monthly auto insurance coverage, the difference in Florissant is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Florissant with a single accident on their record will usually see rates around $107 a month. In addition, drivers with a single ticket on their record can expect to pay around $171 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$107|
|15 Years or Older||$97|
In terms of affordable coverage, the cheapest vehicles to insure in Florissant are usually SUVs, at $84 per month.
Cars, trucks, and vans on the other hand, cost about the same to insure, around $102 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Florissant, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$101|
More often than not, car insurance is slightly cheaper for married policyholders. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Florissant, with married couples paying about $4 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
Another factor that comes into play is your living accommodations. If you rent your home or apartment in Florissant, expect to pay around $16 a month more than if you own your home. But if you live with your parents, you 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 car insurance costs.
Car Insurance Companies in Florissant, MO
Recent trends in car insurance for Florissant 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 cost of auto insurance coverage in Florissant increased consistently from 2016-2020. It finished down in 2021, at $109.
How does Florissant compare to neighboring areas?
Why are car insurance rates in Florissant different from other areas?
There are a number of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (frequency of car accidents)
- Number of drivers in the area
- Regional regulations
- Off-street parking access
- Crime levels
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Florissant in no time.
Florissant Insurance FAQs
What factors affect car insurance quotes in Florissant?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, 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 parking situations, local laws, and crime rates 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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Florissant 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?