O Fallon, MO Car Insurance

On average, O Fallon drivers pay a monthly average rate of around $81 for their car insurance. To find out more check out our guide below.
Compared to their surrounding area, how do rates in O Fallon stack up? What about against the rest of Missouri? What rates can residents of O Fallon expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in O Fallon?

Area Average Monthly Car Insurance Premium
O Fallon$81
MO$77
United States$80

Based on the information in the chart above, you can see that on average, it's about $4 a month more expensive to insure your vehicle in O Fallon than it is in the rest of Missouri.

Similarly, drivers in O Fallon may pay higher rates than the rest of the country. It's about $1 more expensive for coverage in O Fallon than the average rates for the U.S. as a whole.

These may be the average auto insurance rates for O Fallon, but that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for O Fallon so that you can get a more accurate idea of what your policy will cost you. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$140
25-34$79
35-44$69
45-54$51
55-64$42
65+$59

Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay $81 more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates creep back up a bit once you hit retirement in O Fallon.

Average Car Insurance Rates by Gender

Gender Average
Male$80
Female$82

Car insurance rates for female drivers are usually cheaper than those for male drivers. While this isn't true in O Fallon, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$118
Multiple Accidents$162
1 Ticket$170
Multiple Tickets$118

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In O Fallon, a driving record with one accident will usually get you a rate around $118 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $170.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$53
2-3 Years$71
4-5 Years$57
6-7 Years$60
8-10 Years$67
11-14 Years$106
15 Years or Older$87

As you can see in the first table above, the cheapest vehicles to insure in O Fallon are typically SUVs, which run about $64 per month.

Truck and van drivers will see rates of about $88 for auto insurance, while car owners by and large pay around $86 a month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In O Fallon, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$92
Married$58
Divorced$44
Widowed$67

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in O Fallon can be as much as $34 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$75
Live with parents$129

Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $5 a month less than drivers who own property in O Fallon. But if you live with your parents, your rates will be significantly higher.

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 O Fallon, MO

Recent trends in car insurance for O Fallon drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In O Fallon, car insurance rates dropped from 2016-2018, before leveling out in 2019. Insurance rates have been decreasing again recently, and were down to $73 in 2021.

How does O Fallon compare to neighboring areas?

Why are car insurance rates in O Fallon different from other areas?

Car insurance companies take in a number of factors when figuring out how much individual insurance policies will cost. Many factors affecting your policy are based around where you park your car. These factors include things like:

  • Availability of off-street parking
  • Area crime rates
  • Number of drivers
  • Regional regulations
  • Road Safety (how many accidents each locality has)

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 O Fallon?

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 wait! Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in O Fallon.

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O Fallon Insurance FAQs

What factors affect car insurance quotes in O Fallon?

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 vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

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

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 O Fallon?

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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to O Fallon or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes