Without the runaround, Hazelwood households compare auto coverage through Freedom Insurance Group. Call (800) 253-1482 or request a quote online.
Average Hazelwood, Missouri car insurance rates
Comparison only — these are illustrative estimates and averages, not guaranteed quotes. Drivers, vehicles, and ZIP code, plus coverage limits and deductibles, credit where allowed, and claims history, set the actual premium.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Missouri | $158.25 |
| Hazelwood, Missouri | $167.45 |
Cheapest car insurers for Hazelwood, MO drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $144.13 |
| 2 | Elephant | $147.64 |
| 3 | Progressive | $154.05 |
| 4 | Safeco | $155.29 |
| 5 | Root | $167.51 |
| 6 | Travelers | $168.68 |
| 7 | National General 360 | $169.93 |
| 8 | Allstate | $174.69 |
| 9 | Lemonade | $176.42 |
| 10 | National General NS | $179.52 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,089.45 |
| 20s | $131.71 |
| 30s | $122.26 |
| 40s | $136.10 |
| 50s | $129.76 |
| 60s | $109.79 |
| 70+ | $121.61 |
Check Out Other Rates in Hazelwood, MO Nearby Cities:
Auto coverage explainers for Hazelwood drivers
The cost of a serious injury claim, or of a newer financed car, tends to outrun state-minimum limits, though those limits satisfy Missouri law. When you compare quotes in Hazelwood, use the outline below as a checklist.
- Bodily injury and property damage liability: Covers other people when you are at fault. Look at higher limits if you have savings or home equity, or a long commute through denser traffic.
- Collision: Pays for your vehicle’s damage when it strikes another car or object, subject to the deductible.
- Comprehensive: Helps after theft, hail, broken glass, animal strikes, and many non-crash losses, which matters most where severe weather is common.
- Uninsured / underinsured motorist: Covers you if the at-fault driver has little or no insurance. Before you decline UM/UIM, ask how it works in your state.
- MedPay / PIP: Medical bills after an accident are covered for you and your passengers; the state decides availability and stacking.
- Rental reimbursement coverage: Pays toward a rental while your car is in the shop after a covered claim.
- Roadside assistance coverage: It is sometimes cheaper on the policy than a separate club membership and includes towing, battery, and lockout service.
- Umbrella coordination & higher limits: If you carry an umbrella, make sure auto limits meet the carrier’s underlying requirements.
Lenders and lessors nearly always insist on collision and comprehensive for Hazelwood vehicles. Dropping collision is an option we can price on an older, paid-off car after you understand the out-of-pocket risk. Where storms are frequent, recheck glass and hail deductibles.
Insurance and driving notes for Hazelwood
Hazelwood is home to roughly 25,661 residents and sits in Saint Louis County. Population stands near 25,661. Missouri homeowners should plan for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Garaging ZIP and annual mileage both factor into underwriting since commutes from Hazelwood often combine arterials and highway. Local weather, especially tornado watches, heavy rain, and icy winter mornings, also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. That is why two neighbors in Hazelwood can see different premiums even with similar vehicles: construction of the car, credit-based insurance score where allowed, prior claims, and the exact garaging address all move the quote.
Just arrived in the Saint Louis County area? Spend a few minutes confirming how the vehicle is used. Teen drivers, rideshare work, and highway-heavy commutes each move the rate more than a small trim difference on the same model year. When you request a quote, let us know how the car is really driven so we can match carriers that price that profile competitively.
A detail many Hazelwood drivers miss: how safety features and ownership length interact with discounts. Continuous coverage, automatic emergency braking, and anti-theft devices carry different weight from one carrier to the next. Those carrier quirks are what an independent agent turns into a shortlist, sparing you ten websites and the same application each time.
One practical step: keep current declarations pages handy. An apples-to-apples comparison for Hazelwood is quickest to build when you start with limits, deductibles, and listed drivers. A quote that looks far cheaper should be checked: did liability limits drop, did comprehensive disappear, or was someone in the household left off?
How to lower your car insurance rates in Hazelwood
Rate shopping is not only about the lowest binder price. The durable wins usually come from right-sizing liability limits first, then shopping collision deductibles, then re-checking the market every policy term.
- Compare at least several carriers each renewal. Carrier appetite changes after storm seasons and loss trends. Last year’s low bid in Hazelwood might not win this year.
- Bundle when the numbers add up. Home and auto together can help, but compare the combined cost, not just the auto line by itself. Begin the process at /get-a-quote/auto-quote, and mention any renters or homeowners policy you already have.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,089.45, far above adult buckets near $110. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Usage-based programs may reward gentle acceleration and low overnight mileage, but night driving and hard braking can cancel the discount.
- Stay continuously insured. A lapse, even a brief one, can cost more than the months you skipped.
- Get the garaging address right. If the car sleeps in Hazelwood but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask for paperless, autopay, paid-in-full, and professional-affiliation discounts. Each credit is small by itself; together they can move a competitive quote.
Last, document improvements. Roof cameras are a home item, but dash cams, anti-theft devices, and a clean Motor Vehicle Record can still help many auto applications. So underwriting does not guess, have those details at your Hazelwood review.
Discounts Hazelwood drivers should ask about
- Multi-policy — auto paired with home or renters.
- Multi-car discount — two or more vehicles with one carrier.
- Safe driver / claims-free — clean histories often earn better rates.
- Driver training & good student — useful once teens are rated.
- Telematics / usage-based — optional programs that reward safer habits.
- Autopay, paperless, and paid-in-full — small credits that still stack.
- Safety and anti-theft features — based on the vehicle and the carrier.
Discounts never replace shopping. Similar advertised credits do not stop two carriers from landing fifty dollars apart on the same Hazelwood driver.
Hazelwood at a glance
Hazelwood is home to roughly 25,661 residents and sits in Saint Louis County.
Hazelwood lies within the Saint Louis County area, where day-to-day insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
Housing here is mostly single-family homes typical of the Saint Louis County area; block by block, replacement cost, roof age, and construction type still drive most premium differences.
Missouri homeowners should plan for tornado and severe-thunderstorm exposure, plus occasional flooding near rivers and creeks.
Picking deductibles and limits around local weather
Regional loss data includes tornado watches, heavy rain, and icy winter mornings, so the comprehensive deductible in Hazelwood deserves a deliberate choice. No garage? A lower glass deductible can be worth the cost. A higher comprehensive deductible may make sense if you have reserves and want to trim premium on a paid-off vehicle.
Set liability limits by what you own and how much risk you accept, not only the state minimum. On a busy corridor near Hazelwood, one serious at-fault crash can exceed minimum limits quickly. We talk through scenarios with you so you never buy numbers you do not understand.
Several cars or mixed driving records at home
When a Hazelwood household has multiple cars, assign drivers thoughtfully. The most expensive driver on the most expensive car is a common self-inflicted premium spike. Carriers differ in how they rate household drivers, so we model assignments across carriers.
A household member’s recent ticket or minor accident should not be hidden, because underwriting will see it; instead, shop markets that are more forgiving for that profile. Independent agencies exist precisely so you are not stuck inside one company’s rules.
What Freedom Insurance Group does for Hazelwood drivers
We do not invent AM Best ratings or pretend every carrier is appointed in every niche. Clear explanations of the tradeoffs, shopping across the markets we can access, and limits matched to how you drive in Hazelwood and the wider Saint Louis County area: that is the service.
Call (800) 253-1482 or request a free auto quote online. If you also need homeowners coverage, you can begin on the home quote form and we will review bundling options without pressure.
Expect a conversation about drivers, vehicles, garaging ZIP, desired liability limits, and any recent claims. That discovery, not the averages here, are what build a shortlist of real, bindable quotes for your family.
Commutes, cars, and storms in Hazelwood
Census estimates (2020–2024) put about 25,114 people in Hazelwood, on roughly 16 square miles of land, which works out to about 1,566 per square mile. St. Louis, about 14 miles southeast, is the nearest Missouri city above 100,000 people. If you drive there often, count those miles in your estimate.
Of the roughly 11,344 occupied households in Hazelwood, 15% own at least three vehicles and 31% have exactly two. About 7.3% of households report no vehicle, and anyone who drives occasionally without owning a car can ask about non-owner liability coverage.
A typical one-way trip to work from Hazelwood takes about 27 minutes, based on the Census Bureau’s 2020–2024 American Community Survey. By commute mode, 72% drive alone, 10% carpool, and 13% work from home. Given the remote-work share, it pays to make sure the policy does not assume a daily commute.
NOAA’s Storm Events Database lists 27 hail reports within about 6 miles of Hazelwood from 2016 through 2025. The biggest hail reported was 2 inches in May 2025. Stones that large can break windows and cause major body damage, and that damage falls under comprehensive coverage. There were also 4 flash-flood reports nearby, the latest in August 2022; flood damage to a car is covered under comprehensive, not collision.
Hazelwood traces its official start to 1949. Hazelwood’s population went from 26,206 at the 2000 Census to 25,703 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 24,951. Numbers have held fairly steady since 2000. NOAA Storm Prediction Center records list 24 tornadoes that began within 10 miles of Hazelwood from 1950 through 2015; the strongest was an EF4 on April 22, 2011.
Comparing nearby rates? See our car insurance pages for Bridgeton (2 mi), Florissant (4 mi), and Berkeley (5 mi).
ZIP codes in and near Hazelwood that we insure
63042 · 63134 · 63044 · 63031 · 63074 · 63140
More Missouri coverage
Hazelwood, MO auto insurance quotes
Hazelwood residents get a comparison of 25+ carriers at Freedom Insurance Group. Call (800) 253-1482 or request a free auto quote online.
