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How much is car insurance in Saint Peters?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Saint Peters are about $18 a month more expensive than the rest of Missouri.
If you're considering relocating to Saint Peters from out of state, you may want to budget a little extra for your insurance. The average monthly payment for the rest of the U.S. is about is about $13 cheaper than it is in Saint Peters.
Bear in mind that while these are the average car insurance rates for Saint Peters, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Saint Peters and broken down the different factors to help you understand what your monthly bill might look like. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again in Saint Peters.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Saint Peters, this difference shakes out to about $52 per month. Looking at the table above, you can see that female drivers pay around $65 on average, while male drivers typically pay $117 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Saint Peters with a single accident on their record is about $163 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $119.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$55|
|15 Years or Older||$113|
According to the first table above, the cheapest vehicles to insure in Saint Peters are by and large SUVs, at $61 per month.
Car owners can expect to pay an average of around $105 a month for their policy, while truck and van drivers are usually around $78 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Saint Peters are vehicles fifteen years and older and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$100|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Saint Peters follows that pattern, with the difference totaling to around $38 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$142|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $42 a month more than if you own your own home in Saint Peters. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Saint Peters, MO
Recent trends in car insurance for Saint Peters drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.
Auto insurance rates in Saint Peters rose from 2017-2018, before steadying out in 2019. Car insurance rates began increasing again in 2020, and finished down in 2022, at $67 a month
How does Saint Peters compare to neighboring areas?
Why are car insurance rates in Saint Peters different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Availability of off-street parking
- General road safety (how many accidents each locality has)
- Prevalence of crime
- Amount of drivers in the region
- Area regulations
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Saint Peters?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies providing auto coverage in Saint Peters.
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Saint Peters Insurance FAQs
What factors affect car insurance quotes in Saint Peters?
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, marital status, and address.
Why is the cost of car insurance in Saint Peters different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Saint Peters?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Saint Peters?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Saint Peters or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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