Cheapest Car Insurance in St. Louis, MO (2025)

St. Louis drivers pay an average of $1,188 per year for minimum coverage and $2,400 per year for full coverage. St. Louis has some of Missouri's highest rates due to its urban nature. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: Auto-Owners has St. Louis's cheapest minimum coverage at $560 per year ($47 monthly). That's 53% lower than the city average of $1,188, saving you $628 annually. Travelers ranks second for minimum coverage at $614 per year ($51 monthly), a 48% savings compared to the city average.
• Cheapest full coverage: Travelers offers the lowest full coverage at $1,243 annually ($104 monthly), 48% below the city average of $2,400. That's $1,157 in annual savings. Auto-Owners' full coverage costs $1,322 per year ($110 monthly), still 45% below the city average but $79 more than Travelers annually.

Young drivers in St. Louis face the highest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most budget-friendly insurers by age group:

• Adults: Auto-Owners leads affordability, followed by Travelers as the second-best option
• Seniors: Farm Bureau offers the lowest rates, with Travelers providing competitive alternatives
• Young drivers: Travelers delivers the most affordable coverage, while Farm Bureau ranks as the runner-up choice

Auto-Owners provides a Teen Monitor Discount for drivers under 20, offering up to 10% savings when installing a monitoring system. Farm Bureau's 55 and Retired program helps senior drivers reduce premiums by 10-15% after completing a defensive driving course.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in St. Louis by violation type:

• Accident: Travelers at $66 and Farm Bureau at $80 monthly
• Ticket: Farm Bureau at $58 and Travelers at $62 monthly
• DUI: Travelers at $70 and Farm Bureau at $73 monthly

Minor violations stay on Missouri records for three years, after which rates decrease.

St. Louis drivers see insurance rate differences based on their neighborhood. Full coverage costs vary from $140 monthly in ZIP code 63146 to $248 monthly in 63107.

Auto-Owners and Travelers both score 97 out of 100 on MoneyGeek's rating scale, making them tied as the best car insurance companies in St. Louis.  

We evaluated factors like agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

Travelers leads in affordability while Auto-Owners excels in customer experience, earning high marks for the number of coverages. Both insurers maintain strong financial stability ratings.

See below for why each insurer is best and which fits your needs.

St. Louis drivers experience some of Missouri's highest car insurance premiums, but shopping around can slash your costs:

Our insurance experts answer questions about affordable car insurance in St. Louis:

We analyzed hundreds of thousands of quotes from major insurers using data from the Missouri Department of Commerce and Insurance and Quadrant Information Services. Our research covered all St. Louis ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Missouri's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing winter weather claims or handling theft reports.

Coverage options (10%): More choices mean better odds of matching coverage to St. Louis risks like auto theft, uninsured motorists and winter weather damage in high-risk areas.