Car Insurance in Florissant, MO
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Living and Driving in Florissant, MO
Florissant is a suburb of St. Louis with more than 52,000 residents, known for its wide array of cultural activities, diverse population and beautiful historic neighborhoods. The city has a strong economy with a positive job outlook and cost of living nearly 7% less than the national average. Healthcare, retail and manufacturing are the most common occupations for Florissant residents.
As part of the St. Louis metro area, Florissant has several public transit options, including bus and light rail. However, Sperling's Best Places notes that more than 84% of residents drive their own cars to work and an additional 7.7% carpool with others. If you regularly drive in the city, you need excellent car insurance in Florissant, MO, to protect your finances from the impact of an accident.
Details About Driving in Florissant
Auto accident fatalities in the St. Louis area have risen dramatically in the past few years amid resident concerns about a failure to rein in reckless driving behavior. The city's collision fatalities reached 81 in 2020 and 78 in 2021, the two highest rates on record. Good auto insurance can provide peace of mind if you're a Florissant resident with concerns about the potential effects of a serious accident.
While locals may also have concerns about the risk of auto theft and vandalism, Florissant has a lower-than-average rate of property crimes. The city only has about 2.1 annual incidents per 100 residents, compared to a rate of 2.21 for the U.S. and 2.66 for Missouri. You can ensure your insurance coverage will pay for this type of damage to your vehicle by adding a comprehensive policy.
Average Cost of Car Insurance in Florissant, MO
The St. Louis metro area has one of the state's most expensive auto insurance rates according to data from U.S. News and World Report. The average driver here pays $3,385 for an annual policy. nearly 65% higher than the state average of $2,055 and more than twice the U.S. average of $1,543 per year. Keep in mind, however, that prices vary significantly among neighborhoods based on factors like crime, accident and claim rates in each ZIP code.
You may qualify for below-average auto insurance rates if you have a clean driving record and if you're in your 30s or older. Shopping around can also help you find reduced-cost auto insurance that doesn't forgo the necessary protection. VIU by HUB has a cool online quote tool that gives you personalized prices from a range of providers in minutes.
Required Coverage for Florissant Drivers
Missouri mandates liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, as well as $25,000 per accident for property damage. In addition, you must have bodily injury coverage of $25,000 per person and $50,000 per accident to cover the costs if you have an accident with an uninsured motorist.
You can expand your coverage to pay for damages to your vehicle in an accident (collision insurance) or because of an unexpected incident like severe weather (comprehensive insurance). If you have a car loan, you also need to follow your lender's requirements for insurance. If you need better car insurance in Florissant, MO, you can search for trustworthy, affordable policies with VIU by HUB.
This information is intended for general informational purposes only and is not intended to constitute legal advice.