For a 40-year-old driver with a clean record, O’Fallon car insurance averages about $175 a month ($2,096 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 14% below the Missouri average of $203 a month. Shelter has the lowest full-coverage average among the five major insurers we compared (American Family, GEICO, Progressive, Safeco and Shelter), at about $141 a month.
O’Fallon is one of the least expensive St. Louis-area cities in our data: about $67 a month less than St. Louis and about $28 a month less than the Missouri average.
Our data covers both ZIP codes with an O’Fallon mailing address: 63368 averages about $174 a month and 63366 about $176.
O’Fallon is in St. Charles County, west of St. Louis, and Interstate 70, Interstate 64 and Highway K all serve the city, according to the City of O’Fallon. The drive east toward St. Louis County is a common commute, and prices climb along the way: Chesterfield averages about $194 a month, Maryland Heights $197 and Bridgeton $218. Your price follows the address where you keep the car, not where you work, but many insurers also ask how far you drive each day, so tell yours if your commute changes.
Cost data comes from the auto rates insurers file with state regulators, priced across both O’Fallon ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in O’Fallon, MO?
Full coverage in O’Fallon averages $2,096 a year, or about $175 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $783 a year ($65 a month), and 50/100/50 liability with comprehensive and collision averages $2,132 ($178 a month).
- Full coverage (100/300/100, $500 deductibles): $2,096 a year ($175 a month)
- 50/100/50 with $500 deductibles: $2,132 a year ($178 a month)
- Liability only (25/50/10): $783 a year ($65 a month)
- St. Charles County: $2,134 a year ($178 a month) for full coverage
- Missouri average: $2,431 a year ($203 a month) for full coverage
- ZIP code range: $174 (63368) to $176 (63366) a month for full coverage
Cheap Car Insurance in O’Fallon: Companies Compared
- Lowest average among the five major insurers we compared, full coverage: Shelter, at about $141 a month ($1,691 a year).
- Next lowest: Progressive, at about $151 a month, then Safeco at $156.
- Lowest liability-only average (25/50/10): Progressive, at about $46 a month, then Shelter at $49.
- State Farm (Nov. 2025 rates)*: about $206 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $89 a month, Travelers at $125, Missouri Farm Bureau at $180 and Nationwide at $190 (USAA sells only to military families).
- Most expensive in our data: American Family, at about $229 a month, $1,059 a year more than Shelter for the same driver and car.
Shelter has the lowest full-coverage average among the five insurers in our O’Fallon rate data. The recent published statewide Missouri rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the six put it first, one ranks Shelter and one Nationwide, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these five insurers, at about $46 a month, with Shelter close behind at $49.
Full-coverage averages by insurer in O’Fallon
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Shelter | $593 | $49 | $1,691 | $141 |
| Progressive | $555 | $46 | $1,816 | $151 |
| Safeco | $850 | $71 | $1,875 | $156 |
| GEICO | $857 | $71 | $2,345 | $195 |
| American Family | $1,061 | $88 | $2,750 | $229 |
| State Farm (Nov. 2025 rates)* | $802 | $67 | $2,471 | $206 |
| USAA (military families)* | $347 | $29 | $1,063 | $89 |
| Travelers* | $609 | $51 | $1,502 | $125 |
| Missouri Farm Bureau* | $558 | $47 | $2,164 | $180 |
| Nationwide* | $1,217 | $101 | $2,280 | $190 |
| O’Fallon average | $783 | $65 | $2,096 | $175 |
This table uses O’Fallon ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Your ZIP code matters
Does Better Coverage Cost More in O’Fallon?
Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 in our O’Fallon data: $2,096 a year compared with $2,132, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. American Family, Safeco and Shelter charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in O’Fallon?
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same O’Fallon ZIP codes, their full-coverage average fell from $2,598 a year nine months earlier to $2,151 in rates as of Aug. 31, 2026, a 17.2% drop. American Family’s O’Fallon average fell 30.6%, Progressive’s 19.9% and Shelter’s 7.8%, but GEICO’s rose 0.6%. Safeco is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the O’Fallon average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits fell 6.7%, led by American Family, which cut its liability-only average 17.2%.
What Shapes Car Insurance Costs in O’Fallon
St. Charles County averages about $178 a month for full coverage, the 12th-least expensive of the 79 Missouri counties we price.
St. Peters averages about $175 a month, about the same as O’Fallon, and Wentzville, to the west, $178. Where your car is garaged is one of the factors Missouri insurers use, so neighboring cities can be priced differently.
For liability-only coverage at 25/50/10 limits, O’Fallon averages about $65 a month, about $22 a month less than St. Louis ($87). The Missouri liability-only average is $65.
Among insurers priced in both, GEICO’s full-coverage average differs most between O’Fallon and St. Louis: about $195 a month compared with $278, a gap of about $83.
O’Fallon ties St. Peters for the lowest average of the six St. Charles County places in our data, at about $175 a month. Wentzville and St. Charles each average $178, Lake St. Louis $180 and Foristell $184, so only $9 a month separates the least and most expensive of the six.
The county line matters more than the city limit. St. Louis County, just east, averages about $218 a month, the third-most expensive of the 79 Missouri counties we price, compared with $178 in St. Charles County. Inside it, Ballwin averages $187, Chesterfield $194, Wildwood $196, Hazelwood $230 and Florissant $243.
Full coverage costs far more than liability-only coverage in O’Fallon. It averages about $175 a month against $65 for liability-only, a difference of $110 a month for the same driver and car. Across the six St. Charles County places in our data, that difference runs from $110 to $122 a month.
Prices also step up west and northwest of O’Fallon. Wright City, in Warren County, averages about $187 a month, and Moscow Mills ($192), Troy ($193) and Winfield ($196) are in Lincoln County.
Some insurers price all of St. Charles County alike. Shelter averages about $141 a month in O’Fallon and the same amount in St. Peters, Wentzville, St. Charles and Lake St. Louis. Others differ by town: Progressive ranges from $142 in St. Peters to $155 in Wentzville, and American Family from $229 in O’Fallon to $246 in Lake St. Louis.
GEICO is nearly flat too, at about $195 a month in O’Fallon, St. Peters, St. Charles and Lake St. Louis and $194 in Wentzville.
Lincoln County averages about $194 a month and Warren County $189, both above St. Charles County’s $178. At the top of the state’s range, St. Louis City averages about $273 a month, about $98 more than O’Fallon.
O’Fallon’s two ZIP codes, 63366 and 63368, average $176 and $174 a month, only $2 apart. St. Charles’s three ZIP codes span $5, and the highest of them averages $180 a month. Liability-only coverage runs from $63 in Wentzville to $66 in St. Charles across these places, with O’Fallon at $65.
How O’Fallon Car Insurance Compares With Other Missouri Cities
More Missouri cities and towns are in the Missouri rates by city table, and you can compare states on our car insurance rates by state page.
St. Peters, next door, averages $175 a month, St. Charles $178 and St. Louis, about 30 miles east, $242. Closer in, Lake St. Louis, about four miles southwest, averages $180 and Wentzville, about eight miles west, $178. Foristell, about 12 miles west, is the most expensive St. Charles County place in our data at $184.
What Car Insurance Is Required in O’Fallon?
Drivers in O’Fallon follow Missouri’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash
Our Missouri requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in O’Fallon
- Compare Shelter and Progressive first. They have the two lowest full-coverage averages among the five major insurers we compared in O’Fallon, about $141 and $151 a month.
- Quote several insurers. Among the five major insurers we compared in O’Fallon, the lowest and highest averages are about $88 a month apart for the same driver and car.
- Price a move before you sign. Your rate follows the address where you keep your car. For our benchmark driver, a move from O’Fallon to Wentzville would mean about $3 a month more ($178 compared with $175), while a move to Chesterfield, in St. Louis County, would mean about $19 a month more ($194).
- Don’t skip a comprehensive claim to protect your rate. The Department of Commerce and Insurance says Missouri regulations bar insurers from charging extra for claims under your comprehensive coverage.
- Compare at every renewal. Over the past nine months, American Family has cut its O’Fallon average 30.6%, Progressive 19.9% and Shelter 7.8%, while GEICO has raised its average 0.6%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Missouri home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated O’Fallon Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 10 full-coverage premiums from five insurers across two O’Fallon ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Missouri’s minimum has been 25/50/25 since July 1, 2019, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Safeco isn’t in the November 2025 rates and State Farm isn’t in the August 2026 rates, so they’re left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Missouri rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Missouri law and the Missouri Department of Commerce and Insurance. We refresh these figures when new rate data is released.
O’Fallon Car Insurance FAQ
For our benchmark driver, full coverage in O’Fallon averages about $175 a month ($2,096 a year) and liability-only coverage at 25/50/10 limits about $65 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 14% below the Missouri average of $203 a month.
Shelter has the lowest full-coverage average in our O’Fallon rate data, at about $141 a month, with Progressive close behind at $151. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average, at about $46 a month. Four of the six recent published statewide Missouri rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
O’Fallon, for our benchmark driver. O’Fallon full coverage averages about $175 a month and St. Louis about $242, a difference of about $67 a month for the same driver and car.
About the same, for our benchmark driver: O’Fallon full coverage averages about $175 a month and St. Charles about $178.
In our O’Fallon data, full coverage (100/300/100 with $500 deductibles) averages about $175 a month and liability-only coverage at 25/50/10 limits about $65, a difference of about $110 a month ($1,313 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Missouri law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Safeco is new over the past nine months), their O’Fallon full-coverage average fell 17.2%, from about $2,598 to $2,151 a year. That’s higher than the O’Fallon average of $2,096 because it leaves out Safeco. American Family cut its O’Fallon average 30.6%, Progressive 19.9% and Shelter 7.8%, while GEICO raised its average 0.6%. Liability-only coverage at 25/50/10 limits fell 6.7%.
For our benchmark driver, full coverage in O’Fallon averages about $175 a month. Nearby, St. Peters averages about $175, St. Charles about $178 and Florissant about $243. St. Peters is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
