O Fallon, MO Car Insurance

On average, O Fallon drivers pay a monthly average rate of around $78 for their car insurance. Learn more in our handy guide below.
How do rates in O Fallon measure up compared to neighboring areas, including Missouri as a whole? What rates should residents of O Fallon expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in O Fallon?

Area Average Monthly Car Insurance Premium
O Fallon$78
MO$76
United States$81

Looking at the chart above, you can see that the average monthly price is about the same in O Fallon as it is in the rest of Missouri.

That being said, when compared to the national average, the cost for auto insurance in O Fallon is lower. You can expect to pay about $3 below the national average for auto insurance in O Fallon.

Although these are the average car insurance rates in O Fallon, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. 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.

We've broken down the average rates for O Fallon to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$124
25-34$76
35-44$69
45-54$50
55-64$41
65+$59

It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Drivers in O Fallon may see their rates begin to increase again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$77
Female$81

Although women typically pay less than men do to insure their car, this is not the case in O Fallon, where female drivers pay around $81 per month while male drivers pay about $77.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$115
Multiple Accidents$162
1 Ticket$115
Multiple Tickets$103

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in O Fallon with a single accident on their record will usually see rates around $115 a month. Similarly, drivers with one ticket will typically pay around $115 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$51
2-3 Years$71
4-5 Years$57
6-7 Years$57
8-10 Years$67
11-14 Years$107
15 Years or Older$82

As you can see in the first table above, the cheapest vehicles to insure in O Fallon are usually SUVs, which run about $61 per month.

Truck and van drivers will see rates of about $84 for auto insurance, while car owners typically pay around $83 a month.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. 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)$87
Married$61
Divorced$44
Widowed$67

Overall, those who are currently married will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for O Fallon as well, where the difference is around $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$78
Rent$74
Live with parents$123

Your living accommodations is another factor that affects your monthly rate. Renters can expect to pay around $4 a month less than those who own their own home in O Fallon. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in O Fallon, MO

Recent trends in car insurance for O Fallon drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In O Fallon, car insurance rates decreased from 2017-2018, and again, from 2020-2021. Car insurance rates finished up in 2022, at $74.

How does O Fallon compare to neighboring areas?

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

There are a number of factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Total number of drivers in the area
  • Rate of crime
  • Area regulations
  • Amount of off-street parking
  • Road Safety (total number of local car accidents)

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing 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 corner of the world.

How can I find the cheapest car insurance in O Fallon?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering coverage in O Fallon in no time.

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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 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?

Things like local laws, parking situations, and crime rates, 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 O Fallon?

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 however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to O Fallon?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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 O Fallon 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