Cheap Auto Insurance Quotes in Wentzville, MO (January 2022)

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Last Updated: January 2022

Car Insurance in Wentzville, MO

The average cost of Missouri car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Wentzville, MO to find you the cheapest quotes in the area.
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Cheapest Car Insurance in Wentzville, MO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Wentzville, MO Driving Facts


Minimum Car Insurance Requirements in MO

All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Find local Wentzville agents

Insurance Program Managers Group 
4144 Cedar Hill Court, Wentzville, MO 63385
Shelter Insurance
103 E Pearce Blvd, Wentzville, MO 63385
Erica Fiore American Family Insurance
1155 Wentzville Pkwy, Wentzville, MO 63385
Gary Umfleet - Missouri Farm Bureau Insurance
104 E Pearce Blvd, Wentzville, MO 63385
Mid Rivers Insurance
510 W Pearce Blvd Suite #1, Wentzville, MO 63385
Tri-County Insurance
1067 W Pearce Blvd, Wentzville, MO 63385,
Farmers Insurance - Scott Schubbe
1445 Wentzville Pkwy, Wentzville, MO 63385,
John Larson: Allstate Insurance
147 Hamilton Industrial Ct, Wentzville, MO 63385, 
Hance Insurance Group LLC
1324 Forest Way Dr, Wentzville, MO 63385,
Shelter Insurance - Mitch Allen
103 E Pearce Blvd, Wentzville, MO 63385,

Insurify Insights: How Wentzville Drivers Measure Up

Ford F-Series Pickup
Most Popular Car in
Wentzville, MO
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Wentzville drivers measure up to their fellow Missouri motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Wentzville

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Wentzville drivers rank 21 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #21
  • Percent of drivers in Wentzville with an accident: 9.65%
  • Drivers in Wentzville, MO with an accident in their driving history paid on average 75.32% more than drivers with a clean record

Speeding in Wentzville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Wentzville drivers rank 25 in the number of speeding infractions per driver.

  • Rank within state: #25
  • Percent of drivers in Wentzville with a speeding ticket: 8.49%
  • Drivers in Wentzville, MO with a speeding ticket in their driving history paid on average 46.75% more than drivers with a clean record

DUI/DWIs in Wentzville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wentzville drivers rank 3 in the number of DUI’s per driver across all cities in Missouri.

  • Rank within state: #3
  • Percent of drivers in Wentzville with a DUI: 3.47%
  • Drivers in Wentzville, MO with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Wentzville

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Wentzville is the Ford F-Series Pickup.

Hybrid/Electric Vehicle Ownership in Wentzville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Wentzville drivers rank 17 in hybrid and electric vehicle ownership across all cities in Missouri.

  • Rank within state: #17
  • Percent of drivers in Wentzville with a hybrid/electric vehicle: 0.53%


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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