Car insurance in St. Louis costs an average of $1,490, which is higher than the state average. The cheapest widely available insurer is Allstate, at roughly $963 annually. MoneyGeek analyzed the cheapest options based on different driver profiles and coverage levels. For drivers wanting low costs and quality service, MoneyGeek ranked the best insurance providers in the city.
Compare the Cheapest Car Insurance Quotes in St. Louis, MO
The Cheapest and Best Car Insurance in St. Louis
The Cheapest Car Insurance Companies in St. Louis
The companies in St. Louis with the cheapest average rates for a full coverage policy are:
- USAA: $495 annually (only available to current and former military)
- Allstate: $963 annually
Car insurance companies in St. Louis offer different quotes for every driver. Allstate provides the cheapest average annual rate at $963, which is about $528 cheaper than the city average.
Car insurance rates will depend on many factors such as your age, gender and many other factors. You can expect your insurance rates to rise if you have violations or accidents. Make sure to regularly get a personalized quote for an accurate car insurance rate in St. Louis.
MoneyGeek collected average insurance rates in St. Louis based on a sample 40-year-old male driver profile with a full coverage policy, which includes liability insurance and comprehensive and collision coverage.
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Average Cost of Car Insurance in St. Louis
Car insurance rates in St. Louis are generally more expensive compared to car insurance quotes in Missouri. The average car insurance rate in St. Louis is $1,490, which is 14.2% higher than the state average annual premium of $1,305. Car insurance rates in St. Louis are also 4.6% higher than the national average of $1,424.
In all cases, car insurance rates will differ from person to person. Every motorist has a variety of details that will factor into the final price. If you want the best car insurance in St. Louis, it’s best to use shop around and compare quotes.
The Best Car Insurance Companies in St. Louis
If you are a driver in St. Louis looking for a balance of quality service and affordability, MoneyGeek ranked the best companies in the city. According to MoneyGeek’s research, the best insurance companies in St. Louis for most drivers are:
- Auto-Owners: MoneyGeek score 98 out of 100
- GEICO: MoneyGeek score 93 out of 100
USAA received the highest score in St. Louis by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate the scores out of 100, MoneyGeek used several metrics, including J.D. Power user satisfaction, affordability and financial stability ratings.
Personalized Quotes to Get You the Cheapest Car Insurance in St. Louis
Car insurance companies in St. Louis offer rates that change depending on the driver’s profile. Other risk factors that factor into your risk score and affect your personalized quote include the ZIP code, driving history, driving record, and gender and age.
To get the most accurate car insurance rates, get a personalized quote from several car insurance companies in St. Louis. Always check for quotes based on your profile, and see if you can take advantage of discounts and rebates from time to time.
Shopping around for car insurance in St. Louis could save you $528, which is enough to buy:
Cheapest Car Insurance in St. Louis by Coverage Amount
In St. Louis and elsewhere, one of the biggest factors impacting your car insurance costs is your coverage level. A state minimum liability policy in St. Louis costs an average of $787 per year, while a full coverage policy with higher liability limits costs $1,490. That is a difference of $703.
Missouri Minimum Liability Requirements
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
Car insurance companies provide a variety of limits for the types of coverage they have. In St. Louis, USAA offers the best prices for all coverage types across the board, but it is limited only to members of the military and their families.
The general public will likely be interested in State Farm, which has the lowest average annual premiums across the board, from state minimum to their 100/300/100 full coverage. State Farm’s average state minimum costs $389. Their 100/300/100 coverage costs an average of $837.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in St. Louis if You Have Driving Violations
Your driving history influences the cost of your annual premiums. As such, expect a difference in cost, depending on the violations you have previously incurred.
USAA has the lowest average at $495, but it only caters to military personnel and their families. For all others, State Farm has the second-lowest average cost if you have zero violations, at $999.
With a speeding ticket or a DUI, State Farm will charge an additional $84 on average. They will charge an additional $168 on average for an at-fault accident. The next cheapest insurance quotes are from American Family, which offers average rates of $1,085 for no-violations and $1,092 for a speeding ticket or a DUI.
Compare these numbers to the most expensive car insurance quotes from Metlife, which charges an average of $1,978 for a clean driving record and an additional $1,357 on average if you get a DUI.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Your current ZIP code is another factor that affects your car insurance premium. Some ZIP codes receive higher annual premiums due to having busier streets and more accidents.
In St. Louis, ZIP code 63123 is the least expensive area, with an average $1,281 annual premium. This is in stark contrast to ZIP code 63136, which has a $1,847 average. ZIP code 63136 could be the most expensive area due it being a busy suburban landscape with large highways prone to accidents.
When getting car insurance quotes in St Louis, know that insurance companies will consider where you live.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in St. Louis
Factors That Impact Insurance Costs in St. Louis
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in St. Louis. How St. Louis ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for St. Louis are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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