Car Insurance in O'Fallon, MO

Keep your vehicle and yourself protected with comprehensive car insurance in O'Fallon, MO.
Compare, shop and customize quotes from top-rated insurance carriers.

Protect Your Peace of Mind With Car Insurance in O'Fallon

With a population of around 93,663 people. O'Fallon is a medium-sized city in the greater St. Louis area. The city boasts both suburban amenities and rural charm, and its highly educated population enjoys a number of artistic and cultural activities.

The summers can be hot and humid, and rain and thunderstorms are common. Although there are lower temperatures during the winter, the area only gets an average of 13 inches of snow every year.

Many of the city's residents commute for work. Although there is public transportation, the majority of people drive their own vehicles or carpool with others. As a result, it is important to have adequate car insurance in O'Fallon, MO. VIU by HUB can help you find the right coverage for your needs, as it presents quotes from various insurance companies.

Requirements for Car Insurance in O'Fallon, MO

There are certain requirements that all drivers must meet regarding car insurance. The minimum types of coverage they must carry include property damage and bodily injury. Each driver must, at a minimum, carry a $25,000 limit for property damage caused to another.

Each driver must carry a minimum limit of $25,000 per individual and $50,000 per accident for bodily injury caused to another. The penalties for not carrying insurance include zero days of driving suspension for the first incident, 90 days suspension for a second incident and a one-year suspension for a third incident.

The minimum insurance requirements are usually insufficient to cover all damages if an accident occurs, so many drivers opt to add additional coverage. This may include collision, which pays for damage to the driver's own vehicle, or comprehensive, which pays for damage that occurs due to theft, fire, weather, animal, or falling object.

Drivers may choose to add medical payment coverage, which helps pay for the driver's injuries due to an accident. It is also a good idea to add uninsured driver coverage, which covers damage caused by a driver who does not have insurance or has inadequate coverage. Drivers also may opt to pay for higher limits for the required coverages.

Factors That Affect the Cost of Car Insurance

The average cost of car insurance in O'Fallon, MO, is $2,026 per year. However, various factors affect how much a driver pays. Increasing coverage and limits results in more expensive insurance but lower out-of-pocket expenses in the event of an accident.

In general, an insurance company gives a policy quote based on:

  • The driver's age, gender and driving record
  • The make, model, year and use of the vehicle
  • The neighborhood where the driver lives
  • The credit history of the driver

Generally, insurance rates for teenagers are higher than for other demographics, as drivers between the age of 15 and 20 have the highest crash rate. Male teenagers, in general, have higher rates than females do. However, some car insurance companies may offer a discount for students who excel in school. Having specific safety features in the vehicle may also help lower rates.

Because the factors affecting the cost of car insurance in O'Fallon, MO, vary, it is a good idea to have VIU by HUB do the work for you. It obtains quotes from multiple companies so that you can easily compare them and choose what works best for your situation and budget.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census Bureau

Best Places

Missouri Department of Insurance

Missouri Department of Revenue

The Centers for Disease Control and Prevention

Auto insurance in Missouri by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.