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How much is car insurance in Hazelwood?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Missouri are about $21 a month cheaper than the rates drivers pay in Hazelwood.
Similarly, Hazelwood residents will likely pay higher rates to insure their vehicle than in the rest of the country. The average monthly payment for the rest of the U.S. is about is about $18 cheaper than it is in Hazelwood.
While these are the average car insurance rates for Hazelwood, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've broken down average rates for Hazelwood to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Hazelwood drivers may see their rates start to rise again once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This rings true in Hazelwood, where women pay around $18 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $93 each month, while men pay $111 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Hazelwood, a driving record with a single accident will usually get you a rate around $111 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $101.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$97|
|15 Years or Older||$91|
In terms of affordable coverage, the cheapest vehicles to insure in Hazelwood are by and large trucks and vans, at $75 per month.
Cars and SUV, on the other hand, usually cost about $98 for insurance.
The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, once your car is around 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Hazelwood are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$94|
On average, those who are currently married will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
While single drivers normally pay more for auto insurance than married drivers do, both groups pay about the same rate in Hazelwood.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$55|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Hazelwood, expect to pay around $13 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Hazelwood, MO
Recent trends in car insurance for Hazelwood drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Hazelwood rose from 2016-2018, before leveling out in 2019. They finished down in 2021, at $83 a month
How does Hazelwood compare to neighboring areas?
Why are car insurance rates in Hazelwood different from other areas?
Car insurance companies take in numerous factors when deciding how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Amount of off-street parking
- Local regulations
- Total number of drivers in the community
- Road safety
- Rate of crime
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 Hazelwood?
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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Hazelwood.
Hazelwood Insurance FAQs
What factors affect car insurance quotes in Hazelwood?
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 driving record, credit score, address, and marital status.
Why is the cost of car insurance in Hazelwood 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 Hazelwood?
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 Hazelwood?
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?
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 Hazelwood 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.