The Top Car Insurance Companies in Missouri
Insurance Carrier
Avg. Estimated
Annual Premium
State Farm ranks as the overall best car insurance company in St. Louis, Missouri. However, the best car insurance for you depends on your preferred coverage level, age and background. To help you find the best car insurance for your needs, MoneyGeek broke down the top-rated options for full and minimum coverage, young and older drivers, those with violations and those with a military background.
MoneyGeek also provided information about the cheapest car insurance in St. Louis for drivers looking to save as much as possible.
The Best Car Insurance in St. Louis






Best Car Insurance Companies in St. Louis: Overall
To determine the best car insurance providers, MoneyGeek based our rankings on the claims ratings, user satisfaction and average premiums for various driver profiles. According to this system, the best auto insurance companies in St. Louis are:
- State Farm: 77 out of 100
- Allstate: 77 out of 100
State Farm and Allstate received the same MoneyGeek rating, but State Farm’s slight lead in affordability pushed it to the best overall.
It’s worth noting that USAA earned a MoneyGeek score of 100 out of 100, making it the best in St. Louis. However, it was excluded from our rankings since it is only available to military members.
The Top Car Insurance Companies in St. Louis

State Farm scored 4 out of 5 on customer satisfaction, stability and claims. One of its unique coverages is rideshare insurance, which extends protection to drivers who work for rideshare companies. A full coverage policy from State Farm costs about $999 per year.
State Farm is a top-rated car insurance company that offers affordable policies to drivers across all 50 U.S. states. Its rarest coverage, rideshare insurance, puts your personal auto insurance policy into effect and extends your coverage while working for a ridesharing company. All coverages, except for liability insurance, remain as long as the ridesharing app is on and you are available for hire.
Read MoneyGeek's State Farm auto Insurance Review
Allstate earned impressive scores on stability and satisfaction. The average full coverage policy from Allstate costs $963 per year. It offers several unique coverages, including custom parts coverage and portable electronics and media coverage.
In the case of a collision, Allstate offers coverage for damages to custom equipment, such as decals and graphics, custom murals and other similar custom parts. You can also get similar coverage for portable electronics like tapes, compact discs and other sound system-compatible devices.
Read MoneyGeek's Allstate auto Insurance ReviewMoneyGeek analyzed the cheapest car insurance companies in St. Louis for drivers looking to maximize savings. Alternatively, drivers in Missouri can use the following MoneyGeek resources to find the best and cheapest options in the state:
Best Cheap Car Insurance for Minimum Coverage in St. Louis
For drivers wanting a basic insurance policy that meets the Missouri mandate for minimum coverage car insurance, the top-rated companies in St. Louis are:
- State Farm: 76 out of 100
- Allstate: 70 out of 100
MoneyGeek’s rankings consider different driver backgrounds, including young and older drivers and those with violations.
MoneyGeek’s Pick: State Farm

pros
A minimum coverage policy costs $502 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
Offers bundling, multiple car and new vehicle discounts
cons
No discounts when you pay in full or go paperless
COMPANY HIGHLIGHTS
State Farm offers a combination of standard and unique discounts. Bundling discounts benefit those who have more than one insurance policy with State Farm, such as life insurance or pet insurance. You can also save by insuring multiple cars with State Farm. As for more unique discounts, State Farm policyholders can save if their vehicle was made in 1994 or later.
Best Car Insurance for Young Drivers in St. Louis
To find the best companies for young drivers, MoneyGeek looked at ratings across different coverages and driving histories for 18-year-old drivers. Based on our data, the top-rated auto insurance companies for young drivers in St. Louis are:
- Allstate: 84 out of 100
- American Family: 79 out of 100
Keep in mind that car insurance rates for young drivers and student drivers are often more expensive than average because of their inexperience behind the wheel.
MoneyGeek’s Pick: Allstate

pros
An annual full coverage policy for a young driver with a clean driving record costs $2,297
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4.5 out of 5
Offers distant student, good student, driver’s education and responsible payment discounts
cons
No discounts for multiple cars or defensive driving course completion
COMPANY HIGHLIGHTS
Car insurance for young drivers is notoriously pricey, but Allstate provides the best combination of affordable rates and great customer service for this age group. Allstate also offers discounts to students who get good grades, complete a driver’s education program or live 100 miles away from the car they drive.
Moreover, Allstate has additional coverages to support young drivers. For example, roadside assistance will come to your aid when a car breaks down or needs a jumpstart. And with Allstate’s accident forgiveness coverage, your rates won’t automatically increase in the case of an accident, even when the young driver is at fault.
Best Car Insurance for Senior Drivers in St. Louis
To determine the best car insurance in St. Louis for senior drivers, we based our scores on different policy coverage and driving histories for 70-year-old drivers in the Missouri city. Based on our rankings, the top-rated companies are:
- State Farm: 82 out of 100
- Allstate: 81 out of 100
Car insurance for senior drivers tends to be more expensive than for middle-aged drivers, but it’s still possible to shop around for the best combination of affordability and quality.
MoneyGeek’s Pick: State Farm

pros
An annual full coverage policy for responsible senior drivers costs approximately $968 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
Offers discounts for defensive driving and safe driving
cons
No discounts for senior drivers
COMPANY HIGHLIGHTS
Many insurers charge senior drivers more than middle-aged drivers for car insurance. However, State Farm maintains affordable policies and discounts that older drivers can benefit from. For example, State Farm policyholders who have gone more than three years without a moving violation can enjoy a safe driver discount. Additionally, State Farm offers rental car and travel reimbursement, which covers the cost of renting a car, meals and lodging up to your chosen limits.
Best Car Insurance With a Driving Violation in St. Louis
MoneyGeek scored companies in St. Louis to find the best insurers for drivers with an at-fault accident on their records, using an array of different policy coverages and ages. Based on our rankings, the top-rated companies for drivers with violations in St. Louis are:
- Allstate: 83 out of 100
- State Farm: 81 out of 100
Because an accident automatically raises your car insurance premiums, it helps you financially to seek out companies that offer affordable car insurance with a bad driving record.
MoneyGeek’s Pick: Allstate

pros
An affordable full coverage policy for a 40-year-old driver with an accident on their record costs $1,158 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4.5 out of 5
Offers seven out of nine standard discounts
Offers accident forgiveness coverage
cons
No discount for completing a defensive driving course
COMPANY HIGHLIGHTS
Allstate is an excellent choice for high-risk drivers in St. Louis because of its affordable policies and ample discounts and coverages. In particular, drivers with at-fault collisions on their record can benefit from the company’s accident forgiveness coverage and new car replacement coverage. Plus, once you’ve been accident-free for three years, you qualify for a safe driver discount.
Best Car Insurance With a Military Background in St. Louis
In St. Louis, USAA offers the best combination of affordability and customer satisfaction when it comes to car insurance for military members.
USAA earned a perfect MoneyGeek score of 100. This score was based on different coverage levels and driver backgrounds, including young drivers, older drivers and those with violations.
USAA is usually excluded from MoneyGeek’s rankings because of its limited availability — it exclusively caters to military members and their families.
MoneyGeek’s Pick: USAA

pros
An affordable full coverage policy costs $495 per year for a 40-year-old driver
Offers five of the most common discounts, including safe driving, defensive driving and multiple car
MoneyGeek claims rating of 5 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
cons
Only offers three of the seven often-featured coverages, missing gap insurance and better car replacement
Exclusively offered to military members, veterans and their families
COMPANY HIGHLIGHTS
USAA is consistently one of the best insurance providers across various rankings, with impressive affordability and service ratings. Some of its standard coverage offerings are roadside assistance, rental car and/or travel reimbursement and accident forgiveness. However, USAA doesn’t typically offer other coverage types.
USAA does advertise five out of the nine most commonly featured discounts, including bundling, multiple car, good student, safe driving and defensive driving. It also lets individuals save money with its new vehicle discount, which applies to insured vehicles less than three years old.
Methodology
MoneyGeek scored car insurance companies based on quotes collected from providers in St. Louis and evaluations made by industry leaders, including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
To determine the best car insurance in St. Louis, Missouri, for different driver profiles, MoneyGeek applied the following weightings to each assessment category:
- Affordability (70%): MoneyGeek collected average premiums from insurers in St. Louis and ranked them according to the cost of their policies. The provider offering the cheapest rate in the city received a perfect score.
- Customer and claims satisfaction (20%): MoneyGeek examined surveys from J.D. Power to measure customer satisfaction with each insurance provider based on service and claims. Each sub-category was weighted at 10%.
- Financial stability (10%): MoneyGeek used AM Best ratings to estimate an insurance company’s ability to fulfill financial obligations despite economic variability.
MoneyGeek scaled each category's score to five points and then scaled the overall score to 100 points. We calculated the overall affordability score using numerous factors — including age, driving record and coverage levels — changed as necessary to focus on specific driver profiles.
Other than the best cheap minimum coverage category, all rates reflect the average premiums for a full coverage policy with the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
Visit MoneyGeek’s car insurance methodology for more information about our collection, comparison and scoring process.
About Mark Fitzpatrick
