Ferguson drivers pay an average of $1,852/year — $81 more than the national average. With 235 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $292/year.
(888) 217-6781Estimated full coverage auto insurance rates for Ferguson, MO from top carriers. Rates are adjusted for Ferguson's 235 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $705 | $117/mo |
| Shelter Insurance | $764 | $127/mo |
| Progressive | $791 | $132/mo |
| State Farm | $867 | $145/mo |
| Allstate | $1,052 | $175/mo |
Estimates based on 2026 rate filings for ZIP 63135. GEICO is cheapest at ~$117/mo. Actual rates vary by driver profile and exact Ferguson location.
These Ferguson-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Ferguson, MO. Takes under 2 minutes.
(888) 217-6781Ferguson is a smaller city in Missouri with a population of 18,527. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, flooding, ice storms, hail, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Ferguson.
For official Missouri insurance regulations, visit the Missouri Department of Commerce and Insurance. For driver licensing, see the Missouri DOR Motor Vehicle.
Your specific ZIP code within Ferguson can swing your premium by hundreds of dollars. Here's how rates compare across Ferguson neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 63138 | Ferguson South Side | $1,776/yr | $148/mo |
| 63139 | Ferguson North Side | $1,787/yr | $149/mo |
| 63143 | Ferguson West Side | $1,805/yr | $150/mo |
| 63145 | Ferguson East Side | $1,896/yr | $158/mo |
| 63135 | Ferguson Downtown/Central | $1,969/yr | $164/mo |
The cheapest ZIP is 63138 (Ferguson South Side) at $1,776/yr. The most expensive is 63135 (Ferguson Downtown/Central) at $1,969/yr — a $193/year difference for the same driver.
Your Ferguson ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Ferguson. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,889/yr | $324/mo | +110% vs avg |
| Young Adult (20-25) | $2,593/yr | $216/mo | +40% vs avg |
| Adult (26-35) | $1,852/yr | $154/mo | 0% vs avg |
| Mid-Career (36-50) | $1,630/yr | $136/mo | -12% vs avg |
| Senior (51-65) | $1,537/yr | $128/mo | -17% vs avg |
| 65+ | $1,648/yr | $137/mo | -11% vs avg |
Teens in Ferguson pay an average of $3,889/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,537/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Missouri cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Ferguson drivers can save up to $292/year. ZIP 63138 (Ferguson South Side) has the lowest rates starting at $1,776/yr.
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