Saint Peters, MO Car Insurance

Residents of Saint Peters pay around $83 monthly for their car insurance coverage. For more information refer to our guide below.
What rates should residents of Saint Peters expect to pay for their car insurance? How does Saint Peters stack up to the rest of the area, or even Missouri as a whole? 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 Saint Peters?

Area Average Monthly Car Insurance Premium
Saint Peters$83
MO$77
United States$80

As you can tell from the chart above, the cost of coverage in Saint Peters is about $6 a month more expensive than the rest of Missouri.

Likewise, drivers in Saint Peters may pay higher rates than the rest of the country. It's about $3 more expensive for coverage in Saint Peters than the average rates for the U.S. as a whole.

Keep in mind that these are the average auto insurance rates for Saint Peters, and that the rate you get could end up being something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

We've broken down average rates for Saint Peters 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 Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$134
25-34$59
35-44$62
45-54Not Enough Data
55-64$53
65+$47

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, you may see your rates begin to increase again in Saint Peters.

Average Car Insurance Rates by Gender

Gender Average
Male$94
Female$69

Female drivers pay, on average, slightly less than their male counterparts. In Saint Peters, this difference shakes out to about $25 per month. Looking at the table above, you can see that female drivers pay around $69 on average, while male drivers typically pay $94 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$68
Multiple Accidents$152
1 Ticket$229
Multiple TicketsNot Enough Data

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 Saint Peters, drivers with one accident on their record will experience rates around $68 a month. In addition, drivers with a single ticket on their record can expect to pay around $229 a month on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$55
2-3 Years$51
4-5 Years$66
6-7 Years$52
8-10 Years$89
11-14 Years$101
15 Years or Older$80

In Saint Peters, the cheapest vehicles to insure are usually SUVs, with drivers paying around $59 per month for insurance coverage.

Car owners can expect to pay an average of around $90 a month for their policy, while truck and van drivers are usually around $70 to insure each month.

You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Saint Peters, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$88
Married$60
Divorced$47

On average, those who have settled down into marriage will pay slightly less for auto insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Saint Peters can be as much as $28 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$74
Live with parents$168

Your living situation is another factor that affects your monthly rate. Drivers who own property in Saint Peters can expect to pay around $23 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

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 Saint Peters, MO

Recent trends in car insurance for Saint Peters drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The rates for auto insurance in Saint Peters decreased from 2016-2017, but began to rise in 2020. This pattern has continued through 2021 when rates have most recently hit $101 a month.

How does Saint Peters compare to neighboring areas?

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

Car insurance companies will take into account many factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Area crime rates
  • Availability of off-street parking
  • Laws
  • Total number of drivers
  • General road safety (how many accidents each locality has)

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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Saint Peters?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Good news! 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 a bulk of the car insurance companies offering coverage in Saint Peters.

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Saint Peters Insurance FAQs

What factors affect car insurance quotes in Saint Peters?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.

Why is the cost of car insurance in Saint Peters 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 Saint Peters?

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 Peters?

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. 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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