Car Insurance in Chesterfield
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The Driver's Guide to Chesterfield, MO
Located in suburban St. Louis, Chesterfield has a population of about 50,000 residents. The city spans about 32 square miles, and you can get to downtown St. Louis in just 25 minutes. It's a popular place to live for those who love to spend time in nature, with an abundance of trails and parks to explore. It also boasts a cost of living nearly 7% below the national average according to Sperling's Best Places.
Chesterfield offers access to light rail and bus routes that span the metro area. However, only about 0.3% of people who live here regularly commute using public transit. If you're one of the nearly 87% of residents who drive their own car to work each day, you can increase your auto insurance protection and save money at the same time with VIU by HUB.
Common Concerns for Chesterfield Drivers
Like many parts of the U.S., Missouri has had a notable rise in serious auto accidents in recent years. The Department of Transportation reported more than 1,000 traffic fatalities in 2022 for the first time since 2006. Speeding played a role in 41% of these deaths. In addition, device use behind the wheel caused at least 2,200 accidents in the state in 2021. Car insurance in Chesterfield covers costs related to collisions, which is important given the area's elevated risk.
This St. Louis suburb does have a lower-than-average rate of property crimes, which can help reduce your auto insurance premiums. Chesterfield's annual rate of theft, vandalism and similar incidents is about 1.52 per 100 residents according to Sperling's Best Places, compared to the national average of 2.21 for the U.S. and the state average of 2.66. If you have comprehensive coverage, it will pay for vehicle damage related to property crimes.
Chesterfield Car Insurance Costs
Based on factors like the high accident rate, drivers in St. Louis and surrounding suburbs pay above-average rates for auto insurance. U.S. News and World Report estimates a cost of $3,385 per year for Chesterfield motorists, double the average national rate and about 65% of Missouri's average rate of $2,055 per year.
Car insurance costs can vary from one street to the next within the same neighborhood based on the likelihood of claims and other incidents, and every company has its own way of calculating your rates. That's good news since you can often save significantly just by switching to a new insurance provider. Find your next company for car insurance in Chesterfield with fast, easy online quote comparisons from VIU by HUB.
State-Mandated Car Insurance in Chesterfield
Chesterfield drivers must purchase at least a 25/50/25 liability policy according to Missouri law. If you cause an accident, this coverage pays up to $50,000 for third-party bodily injury ($25,000 per injured person) and $25,000 for property damage. You also need uninsured motorist coverage to pay your medical bills and lost wages if you experience a serious injury caused by a driver without insurance.
Full coverage car insurance in Chesterfield provides the best available protection for everything from tornado damage to auto accidents and beyond. Your lender likely requires full coverage if you're still paying for your vehicle, so check your documents carefully. You can see real quotes from multiple companies in minutes when you work with VIU by HUB.
This information is intended for general informational purposes only and is not intended to constitute legal advice.