Saint Charles, MO Car Insurance

Drivers in Saint Charles pay, on average, $71 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Compared to their surrounding area, how do rates in Saint Charles stack up? What about against the rest of Missouri? What can Saint Charles residents expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Saint Charles?

Area Average Monthly Car Insurance Premium
Saint Charles$71
MO$77
United States$80

Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in Saint Charles than it is in the rest of Missouri.

Drivers relocating from out of state may enjoy some cost savings in Saint Charles. It's around $9 less to insure your vehicle compared to the average rate for the United States as a whole.

While these are the average costs to insure your vehicle in Saint Charles, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Saint Charles residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code 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$110
25-34$59
35-44$56
45-54Not Enough Data
55-64$56
65+$54

The more time you've spent on the road, the more experience you have. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay twice 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. Saint Charles drivers may see their rates start to rise again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$71
Female$72

In general, car insurance rates for women are usually cheaper than they are for men. In Saint Charles, however, men actually pay a little bit less than female drivers for insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$90
Multiple Accidents$115
1 Ticket$148
Multiple Tickets$125

Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Saint Charles, drivers with one accident on their record will experience rates around $90 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $148.

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.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$53
2-3 Years$58
4-5 Years$62
6-7 Years$64
8-10 Years$80
11-14 Years$79
15 Years or Older$69

If you look at the first table above, the cheapest vehicles to insure in Saint Charles are typically trucks and vans, at $52 per month.

Car owners, on the other hand, usually pay around $70 per month, while SUV drivers can expect to pay about $81 a month for insurance coverage.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Saint Charles, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$75
Married$63
Divorced$66
Widowed$39

Generally speaking, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Saint Charles can be as much as $12 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$67
Live with parents$115

Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $5 a month more than those who own their own home in Saint Charles. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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 average premiums.

Car Insurance Companies in Saint Charles, MO

Recent trends in car insurance for Saint Charles drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.

The rates for car insurance in Saint Charles rose from 2016-2017, when they hit a high of $80. This pattern leveled out in 2018, when they began to decrease, and have continued on that path through the present, when rates reached a low of $45 per month.

How does Saint Charles compare to neighboring areas?

Why are car insurance rates in Saint Charles different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider several factors. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Frequency of car accidents
  • Regional crime rates
  • Total amount of drivers in the community
  • Off-street parking availability
  • Local laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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 Saint Charles?

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 does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Saint Charles.

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Saint Charles Insurance FAQs

What factors affect car insurance quotes in Saint Charles?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Saint Charles 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 parking situations, local laws, 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 Saint Charles?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Saint Charles?

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 Saint Charles 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