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 $1216 for a six-month policy, which is $235 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

$1216

Avg. Car Insurance in Missouri

$981

National Average

$1140

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: Travelers

Travelers offers auto insurance rates at $781 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $869 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 Travelers, which has an average six-month premium of $781.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1856 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
Travelers	$781	$131
USAA	$869	$146
Shelter	$1157	$195
Encompass	$1164	$198
State Farm	$1230	$207
Electric	$1355	$231
Allstate	$1400	$236
Progressive	$1473	$248
Missouri Farm Bureau	$1481	$247
Nationwide	$1856	$316

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 $944 per month.

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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. Nationwide is the most expensive at $744 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
Travelers	$288	$48
Electric	$303	$51
Progressive	$324	$55
American Family	$331	$56
Encompass	$346	$58
Shelter	$413	$69
State Farm	$441	$74
Allstate	$663	$113
Nationwide	$744	$124

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
Travelers	$781	$131
USAA	$869	$146
Shelter	$1157	$195
Encompass	$1164	$198
State Farm	$1230	$207
Electric	$1355	$231
Allstate	$1400	$236
Progressive	$1473	$248
Missouri Farm Bureau	$1481	$247
Nationwide	$1856	$316

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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 $5664 for a six-month premium, Nationwide 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	$847	$143
USAA	$1303	$219
Progressive	$1901	$320
State Farm	$2129	$358
Shelter	$2512	$419
Allstate	$5060	$861
Nationwide	$5664	$944

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, Progressive is the cheapest car insurance provider. At $449 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 Allstate, offering rates of around $722 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$449	$77
Travelers	$464	$77
Kemper	$567	$97
American Family	$604	$100
Shelter	$634	$108
Nationwide	$699	$117
Allstate	$722	$123

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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. Allstate is an expensive provider with an average six-month premium of $2983.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$258	$43
Electric	$368	$63
American Family	$405	$67
Encompass	$471	$81
Travelers	$559	$94
USAA	$574	$97
Progressive	$802	$135
State Farm	$972	$164
Shelter	$1090	$184
Nationwide	$2748	$467
Allstate	$2983	$497

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 $3425 with companies like Nationwide.

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	$596	$100
Progressive	$737	$124
USAA	$914	$154
State Farm	$1032	$174
Shelter	$1200	$202
Allstate	$2593	$441
Nationwide	$3425	$570

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 Progressive at $353. However, it can be as expensive as $531 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Florissant after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$353	$60
Travelers	$376	$62
American Family	$398	$68
State Farm	$441	$73
Shelter	$531	$91

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 remained steady at $161 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Florissant remained steady at $60 in both December and November, indicating no change over the two month period.

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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 $981 for a six-month policy. It will cost around $205 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: Travelers

3rd place: USAA

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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