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How much is car insurance in Wentzville?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Missouri are about $53 a month cheaper than the rates drivers pay in Wentzville.
Compared to the national average cost of auto coverage, Wentzville has higher rates. It's around $48 more expensive to insure your vehicle in Wentzville compared to the average rate for the rest of the U.S.
These may be the average auto insurance rates for Wentzville, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
We've analyzed the average rate for Wentzville and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $99 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Wentzville.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Wentzville, the difference is around $8 per month. As illustrated in the table above, female drivers in the area pay about $126 on average, while male drivers pay around $134 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Wentzville, having a single accident on your record will usually get you rates around $112 a month. Similarly, drivers with one ticket will typically pay around $122 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$30|
|15 Years or Older||$66|
According to the first table above, the cheapest vehicles to insure in Wentzville are by and large trucks and vans, at $57 per month.
SUV drivers will see rates of about $98, while the rates for car owners average out to about $147 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Wentzville, 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)||$137|
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Wentzville follows that pattern, with the difference totaling to around $87 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Wentzville, expect to pay around $5 a month more than if you own your home. Those who live with their parents, however, 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 Wentzville, MO
Recent trends in car insurance for Wentzville drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Wentzville increased from 2017-2018, before taking a downward turn from 2019-2020. They finished down in 2022 at $55.
How does Wentzville compare to neighboring areas?
Why are car insurance rates in Wentzville different from other areas?
Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Community laws
- Off-street parking accessibility
- Regional crime rates
- Number of car accidents
- Total number of drivers in the area
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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 Wentzville?
Equipping 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.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Wentzville.
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Wentzville Insurance FAQs
What factors affect car insurance quotes in Wentzville?
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 Wentzville different from other neighboring cities?
Things like parking situations, local laws, 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 Wentzville?
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 Wentzville?
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 Wentzville 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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