Cheapest Car Insurance Quotes in Florissant

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Florissant Car Insurance

^$ 36

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Florissant

The car insurance rate in Florissant is $1443 for a six-month policy, which is $279 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $619, making it a popular choice for budget-conscious drivers. Rates in Florissant can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Florissant

$1443

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Florissant

1st place: American Family

At $619 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $832 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $854 for six months, making it the third cheapest auto insurance company in Florissant.

Florissant Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Florissant, MO is American Family, offering policies at just $619 for a six-month term. This is followed by USAA, which has an average six-month premium of $832.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3528 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Florissant drivers find the best deals.

Cheap Car Insurance Companies in Florissant, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$619	$105
USAA	$832	$140
Travelers	$854	$144
Encompass	$1164	$193
Shelter	$1200	$202
State Farm	$1311	$221
Electric	$1355	$231
Farm Bureau	$1393	$232
Missouri Farm Bureau	$1481	$252
Progressive	$1533	$258
Allstate	$1643	$277
Nationwide	$1856	$309
Farmers	$3528	$600

Key Takeaways

Way's key takeaways about car insurance in Florissant

The auto insurance costs in Florissant fall around $619 for six months.
The cheapest auto insurance company in Florissant is USAA.
Teen drivers pay the highest rate in Florissant at $1926 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Florissant

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Florissant are given below.

USAA provides the cheapest minimum car insurance coverage in Florissant. Their Average 6 Month Premium is $213. Farmers is the most expensive at $1267 for the same period.

Cheapest Liability Coverage in Florissant, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$213	$36
Missouri Farm Bureau	$236	$40
Electric	$303	$51
Travelers	$309	$52
Farm Bureau	$316	$53
American Family	$331	$56
Encompass	$346	$58
Progressive	$353	$60
Shelter	$434	$73
State Farm	$464	$78
Nationwide	$744	$124
Allstate	$774	$130
Farmers	$1267	$211

Cheapest Full Coverage Car Insurance in Florissant

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Florissant is American Family at $105 per month and $619 for six months.

Cheapest Full Coverage Car Insurance Quotes in Florissant, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$619	$105
USAA	$832	$140
Travelers	$854	$144
Encompass	$1164	$193
Shelter	$1200	$202
State Farm	$1311	$221
Electric	$1355	$231
Farm Bureau	$1393	$232
Missouri Farm Bureau	$1481	$252
Progressive	$1533	$258
Allstate	$1643	$277
Nationwide	$1856	$309
Farmers	$3528	$600

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Average Car Insurance in Florissant by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Florissant, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Florissant, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Florissant's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Florissant

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Florissant,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Florissant at $52 per month. At $11557 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$309	$52
American Family	$353	$60
Travelers	$1340	$226
USAA	$1355	$228
Progressive	$2585	$435
State Farm	$2666	$449
Shelter	$2976	$501
Farm Bureau	$3617	$615
Allstate	$4700	$791
Nationwide	$5664	$963
Farmers	$11557	$1926

Teen Car Insurance Rates in MO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Florissant, Kemper is the cheapest car insurance provider. At $567 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Florissant is Farmers, offering rates of around $7175 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$567	$97
American Family	$604	$100
Nationwide	$699	$119
Travelers	$1127	$190
USAA	$1303	$222
Progressive	$1643	$277
Shelter	$1886	$317
Farm Bureau	$2342	$391
Allstate	$2748	$463
State Farm	$4972	$828
Farmers	$7175	$1220

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Car Insurance Rates with An Accident in Florissant

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Florissant, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Florissant

The cheapest car insurance companies after an at-fault accident in Florissant include Missouri Farm Bureau and Electric, offering $258 and $368, respectively. Farmers is an expensive provider with an average six-month premium of $5031.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$258	$43
Electric	$368	$63
American Family	$405	$67
Encompass	$471	$81
USAA	$671	$113
Travelers	$759	$128
Progressive	$1112	$187
State Farm	$1157	$195
Shelter	$1296	$218
Farm Bureau	$1797	$305
Nationwide	$2748	$458
Allstate	$3337	$562
Farmers	$5031	$838

Florissant Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Florissant MO. For example, the car insurance in Florissant after a DUI increases to $1001 for a six month policy. While the rate increases by $345 for a six-month policy in the case of a speeding ticket.

Florissant auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1982	$330
One Med/PIP claim	$1982	$337
Not-at-fault accident	$2040	$340
One comp claim	$2055	$350
Two Med/PIP claims	$2055	$342
Two comp claims	$2187	$372
Failure to wear a seat belt	$2247	$374
Failure to show documents	$2254	$383
Child safety restraint	$2290	$382
Driving without lights	$2290	$389
Driving with expired registration	$2305	$384
Cell phone violation	$2320	$394
Driving too slowly	$2320	$387
Following too closely	$2320	$394
Speeding in school zone	$2320	$387
Failure to yield	$2327	$396
Speeding 11 - 15 MPH over limit	$2327	$388
Speeding 16 - 20 MPH over limit	$2327	$396
Speeding 6 - 10 MPH over limit	$2327	$388
Texting while driving	$2327	$396
Illegal turn	$2335	$389
Wrong way/wrong lane	$2335	$397
Failure to stop at a red light	$2342	$391
Improper passing	$2342	$398
Speeding 21 - 25 MPH over limit	$2342	$391
In 65 MPH zone	$2357	$401
Passing school bus	$2401	$401
Open container	$2475	$420
Operating a vehicle without permission	$2533	$423
At-fault accident - less than $1000	$2740	$466
At-fault accident - $1000-$2000	$2894	$482
At-fault accident - greater than $2000	$2894	$492
Refusal to submit to a chemical test	$2931	$489
DUI	$2983	$507
Driving with a suspended license	$3049	$508
Racing	$3124	$531
Leaving scene of an accident/hit and run	$3167	$528
Reckless driving	$3204	$544

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Florissant after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Florissant.

The cheapest car insurance premiums in Florissant are offered by Missouri Farm Bureau at $309 for a six-month policy. However, it can be as expensive as $6452 with companies like Farmers.

Florissant car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$309	$52
American Family	$398	$66
Kemper	$494	$84
Travelers	$796	$134
USAA	$1017	$171
Progressive	$1068	$180
Shelter	$1443	$243
State Farm	$1569	$264
Farm Bureau	$1694	$288
Allstate	$2733	$460
Nationwide	$3425	$583
Farmers	$6452	$1075

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Florissant are offered by American Family at $398. However, it can be as expensive as $4479 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Florissant after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$398	$68
Travelers	$825	$139
USAA	$854	$145
Shelter	$950	$160
State Farm	$1017	$171
Progressive	$1238	$208
Farm Bureau	$1436	$244
Allstate	$2482	$414
Farmers	$4479	$761

Car Insurance Price Trends in Florissant, Missouri

Car insurance rates in Florissant have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Florissant rose by $277 in January compared to $161 of December. In other words, there has been an increase by $116 when you compare January and December.

The average cost of liability insurance in the Florissant rose to $69 in January, compared to $60 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Florissant?

The car insurance in Florissant is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Florissant?

The cheapest car insurance in Florissant is $105 per month for full coverage.

How much is car insurance in Florissant for teenagers?

Car insurance for teenagers costs $309 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Florissant?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $243 per month to insure your car in Florissant.

Is car insurance expensive in Florissant?

Car insurance can be expensive in Florissant if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Florissant can be affordable.

Cheapest Car Insurance Quotes in Florissant

Why you can trust Way?

How Much Is Car Insurance in Florissant

Avg. Car Insurance in Florissant

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Florissant

1st place: American Family

2nd place: USAA

3rd place: Travelers

Florissant Car Insurance Rates by Company

Cheap Car Insurance Companies in Florissant, MO

Way's key takeaways about car insurance in Florissant

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Florissant

Cheapest Liability Coverage in Florissant, MO

Cheapest Full Coverage Car Insurance in Florissant

Cheapest Full Coverage Car Insurance Quotes in Florissant, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Florissant by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Florissant, MO increasing?

Car Insurance Premiums by Age in Florissant

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Florissant,MO

If you are in your twenties N/A is the best choice for car insurance in Florissant.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Florissant

Cheapest Car Insurance Companies after an At-Fault Accident in Florissant

Florissant Car Insurance Rates by Violation

Florissant auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Florissant after a DUI

Florissant car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Florissant after Speeding ticket

Car Insurance Price Trends in Florissant, Missouri

Average Car Insurance Cost in Florissant by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Florissant, MO

Car Insurance Rates by State in the USA (2025 Update)

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