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How much is car insurance in Wentzville?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Wentzville is about $57 a month more expensive than the rest of Missouri.
The average cost of insuring your vehicle in Wentzville is above the national rate. The cost of insuring a vehicle in Wentzville is about $54 more expensive than the average rate for the rest of the U.S.
Although these are the average car insurance rates in Wentzville, 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. 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 analyzed the average rate for Wentzville and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement your rates may creep back up a bit in Wentzville.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Wentzville, although men do pay a little bit less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay significantly less than those with infractions. Drivers in Wentzville with one accident will pay around $112 a month. In addition, drivers with a single ticket on their record can expect to pay around $166 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. 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||$30|
|15 Years or Older||$67|
The most affordable vehicles to insure in Wentzville are by and large trucks and vans, which run about $58 per month.
Car owners will see a monthly bill of about $150, while SUV owners typically pay around $100 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is around 5 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)||$143|
Generally speaking, those who have settled down into marriage 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.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Wentzville is no exception, with the difference totaling to around $94 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $1 a month more than if you own your own home in Wentzville. But if you live with your parents, you 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 Wentzville, MO
Recent trends in car insurance for Wentzville drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Wentzville, the rates for car insurance had been decreasing from 2016-2017, and again, from 2019-2020. Insurance rates finished up in 2021, at $100.
How does Wentzville compare to neighboring areas?
Why are car insurance rates in Wentzville different from other areas?
Car insurance companies will take into account numerous factors when figuring out how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (how many accidents each locality has)
- Regional laws
- Number of drivers in the region
- Off-street parking access
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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 Wentzville?
While knowing 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.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer policies in Wentzville.
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 age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Wentzville different from other neighboring cities?
Local laws, parking situations, and crime rates -- 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 Wentzville?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Wentzville?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Wentzville or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.