Car Insurance in Chesterfield, MO

Missouri law requires all vehicle owners in Chesterfield to carry car insurance. From fender-benders on THF Boulevard to multi-vehicle collisions on Interstate 64, a reliable auto insurance policy can shield you from facing unmanageable financial losses in the aftermath.

It is easy to find the right car insurance when working with an independent agent. These agents can gather customized quotes from some of the best car insurance companies in Missouri that you can review and compare together. Find an independent insurance agent near you to get started.

How Much Does Car Insurance Cost in Chesterfield, MO?

The average cost of car insurance in Missouri is lower than the national rate. This is welcome news for Chesterfield drivers looking for an affordable policy.

• National average annual car insurance cost: $1,311
• Missouri's average annual car insurance cost: $1,112

Of course, an average rate can only give you a general idea of what a policy might cost you. Car insurance premiums can vary significantly from one driver to another because insurance companies base costs on factors like:  

• The make, model, year, and value of the vehicle(s) you are insuring
• Whether you own or rent your home
• Your age, occupation, marital status, and driving record
• Information about the other licensed drivers in your household
• The auto theft and accident rate in the vicinity of your home
• The amount of liability coverage you want to purchase
• The coverage options you wish to include in your policy
• The size of your deductible

If you bundle your car insurance with another policy like homeowners insurance or renters insurance, you can often get significant rate reductions on each of your bundled policies. You may also qualify for other money-saving car insurance discounts like safe driver discounts, multi-vehicle discounts, and good student discounts.

Comparing rates from a few competing insurance companies lets you choose the policy that offers the coverage you want at the best price. Independent insurance agents make comparison shopping easy.

Is Car Insurance Required in Chesterfield, MO?

In Missouri, all vehicle owners are required by law to carry a car insurance policy that includes:

• Liability insurance: This covers any injuries and property damage you may cause to other people if you are at fault for a collision. Your policy must meet or exceed the following coverage amounts:
  • $25,000 in bodily injury liability insurance per person
  • $50,000 in bodily injury liability insurance per accident
  • $25,000 in property damage liability insurance per accident
• Uninsured motorist insurance (UIM): This covers the treatment of injuries sustained by you and your passengers if you are in a collision caused by an uninsured driver. Your policy must meet or exceed the following coverage amounts.
  • $25,000 in UIM bodily injury insurance per person
  • $50,000 in UIM bodily injury insurance per accident
  • UIM property damage is not available in Missouri. You can instead get coverage through collision insurance.

Your uninsured motorist insurance coverage amount must equal your bodily injury liability coverage amounts.

In addition to the minimum coverage required by law, you may also need to carry physical damage coverage if you are leasing or financing your car. Physical damage coverage is not required by law but is usually required by lenders and dealerships. This coverage includes:

• Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

Once you own your car outright, physical damage coverage is optional.

What Else Does Car Insurance Cover in Chesterfield, MO?

Adding optional coverage to your car insurance policy may be ideal for many vehicle owners in Chesterfield. Some popular coverage options include:

• Medical payments insurance: This can help cover the cost of medical treatments for you and your passengers if you are injured in a collision, regardless of fault.
• Glass replacement insurance: This can cover the cost of replacing the safety glass in your windshield and windows if they are broken.
• Gap insurance: This can pay off your car loan or buy out your lease if your vehicle is totaled, but you owe more for it than it is worth.
• Towing and roadside assistance insurance: This covers the cost of assistance if your vehicle becomes disabled while out on the road and you need to call a professional for help.
• Rental car reimbursement insurance: This can pay for the cost of renting a vehicle while you are having your own car repaired following a covered event.
• Umbrella insurance: This is ideal for Chesterfield residents who have a lot to lose and want to purchase more liability coverage than their car insurance company can provide.

Be sure to review all of the coverage options offered to you to determine which, if any, are a good fit for you and your family.

Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Request a Quote

What Is the Penalty for Driving without Insurance in Chesterfield, Missouri?

Driving without insurance is illegal in Missouri. If caught doing so, you can face consequences that include:

• Fines up to $500 for second or subsequent offenses
• The suspension of your driver's license and plates until you show proof of insurance for a first offense and up to one year for repeat offenders
• Reinstatement fees of $20 to $400 to get your driving privileges back
• The requirement to maintain an SR-22 filing with the Department of Revenue for three years
• Up to 15 days in jail for repeat offenders
• Four points added to your driving record
• Higher car insurance rates

Even though it is illegal, many people in this state are driving around in uninsured vehicles. That is why uninsured motorist insurance, which is a mandatory part of your car insurance, can be beneficial.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Missouri drivers who are uninsured: 14.0%

If you or your passengers are injured in a collision caused by an uninsured driver, the uninsured motorist coverage included in your car insurance policy can pay for your medical bills. This saves you from the need to go through lengthy legal channels to collect what is owed to you by the at-fault driver.

What Is the Auto Theft Rate in Chesterfield, Missouri?

The auto theft rate in Missouri is higher than the national average, but it is much lower in Chesterfield. This does not mean the risk does not exist—residents of this city report around 25 auto thefts in a typical year.

• National auto theft rate per 1,000 people: 2.29
• Missouri auto theft rate per 1,000 people: 3.23
• Chesterfield auto theft rate per 1,000 people: 0.46

Though you have a low risk of having your vehicle stolen in this city, you should know that you can only be compensated for auto theft if your car insurance policy includes comprehensive (also known as "other than collision") insurance.

Comprehensive insurance covers far more than just theft. It can also reimburse you for loss and damage to your car due to many other non-collision hazards, such as if a flood or an uprooted tree damages your car.

What Are the Best Car Insurance Companies in Chesterfield, MO?

Qualities that make insurance companies stand out above the rest include responsive customer service, reliable coverage, and competitive rates.

Independent insurance agents in Chesterfield have partnered with some of the best car insurance companies in Missouri. Your agent can help you review policies and customized auto insurance quotes from these top-rated providers.

Why Work with an Independent Insurance Agent in Chesterfield, MO?

Local independent agents can offer guidance and advice when you are looking for the right car insurance policy. These agents are available to answer your coverage-related questions and provide you with a selection of customized policies and quotes that you can review together.

Arrange an obligation-free consultation with an independent insurance agent near you to begin your search for Chesterfield's best car insurance policy.