Compare the Cheapest Car Insurance Quotes in St. Louis, MO

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.

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Last Updated: 9/23/2022
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In St. Louis, Allstate is the cheapest car insurer. If you have a ticket or want a minimum coverage policy, State Farm is the most affordable. USAA is cheapest for those with a military background. MoneyGeek found that Auto-Owners offers the best balance of quality service and cost. The best insurer for you depends on coverage choices and your profile.

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The Cheapest and Best Car Insurance in St. Louis

The Cheapest Car Insurance Companies in St. Louis

The most affordable car insurance companies in St. Louis for a full coverage policy are:

  • Allstate: $963 average per year
  • State Farm: $999 average per year

If you have a military background, USAA, which costs $495 per year, is the most affordable option.

Compared to Progressive, with the most expensive policy at $2,023, Allstate costs over 50% less. However, rates for a full coverage policy can vary depending on the liability insurance purchased.

A full coverage policy includes comprehensive and collision insurance to cover damage to your car from collisions or risks such as theft and vandalism.

Cheapest Car Insurance in St. Louis
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $495
  • 2.
    Allstate
    $963
  • 3.
    State Farm
    $999
  • 4.
    Allied
    $1,066
  • 5.
    American Family
    $1,085
  • 6.
    Farmers
    $1,461
  • 7.
    Esurance
    $1,573
  • 8.
    Shelter
    $1,691
  • 9.
    GEICO
    $1,766
  • 10.
    AAA
    $1,787
  • 11.
    MetLife
    $1,978
  • 12.
    Progressive
    $2,023

Rates in MoneyGeek’s analysis are based on a 40-year-old male driver’s profile in St. Louis with a full coverage policy, as defined in our methodology.

A full coverage policy adds comprehensive and collision insurance to the state minimum liability requirement, so it costs more than a minimum coverage policy. These additional coverages protect you as follows:

  • Comprehensive insurance: covers losses arising from risks such as theft.
  • Collision insurance: covers damage arising from a collision with another vehicle or a stationary object.

If your car is old, a full coverage policy may cost more than the car’s value, so a minimum coverage policy could be a better option.

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Cheapest Car Insurance in St. Louis for Minimum Coverage

Minimum liability coverage is the cheapest car insurance in St. Louis. However, the policy does not cover damage to your car (comprehensive/collision coverage) and has low liability limits, risking complete protection in an accident. The cheapest insurers for minimum liability coverage, on average, in St. Louis are:

  • State Farm: $502 per year
  • Allstate: $619 per year

The cheapest option for the military is USAA at $198 per year. MetLife, the most expensive option, costs $732 more per year than State Farm, the cheapest, widely available option.

You can toggle the table below to see how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in St. Louis
State Minimum

A state minimum coverage policy in St. Louis is 25/50/25, the minimum liability insurance required by Missouri insurance laws. That means you pay less in monthly premiums, but you may have to pay more yourself in the event of an accident.

For example, if your minimum liability policy has only $25,000 in property damage and you cause an accident where the damage exceeds that limit, the additional amount is your responsibility.

Missouri Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in St. Louis if You Have Driving Violations

St. Louis drivers with violations, like an at-fault accident, DUI or speeding ticket, pay more for car insurance. In St. Louis, the most affordable insurance companies, on average, if you have a violation are:

  • Cheapest after a ticket: State Farm, $1,083 per year
  • Cheapest after an at-fault accident: American Family, $1,092 per year
  • Cheapest after a DUI: State Farm, $1,083 per year

For the military, USAA has the lowest rates with a DUI, ticket or at-fault accident. If you have a poor record, improving it over time is an effective way to get better car insurance rates. Comparing quotes now can help you find the cheapest insurance as a driver with a violation.

Cheapest Car Insurance in St. Louis With a Violation
Speeding Ticket

Average Cost of Car Insurance in St. Louis

St. Louis$1,490
Missouri$1,305
U.S.$1,424

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.

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.

Compare Car Insurance Rates in St. Louis

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in St. Louis

MoneyGeek ranked the best companies in St. Louis for drivers who want the best balance of cost and quality service. For most drivers, the best car insurance companies in St. Louis are:

  • Auto-Owners: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

USAA received the highest MoneyGeek score. It is available to drivers with a military background and is the best choice they could make. MoneyGeek scores are based on J.D. Power user satisfaction scores, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:98

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Auto Club of Southern California Insurance Group
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

7
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
American Family
Score:78

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

13
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

14
Farm Bureau Ins of MI
Score:73

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

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 Code
    State Minimumper year
  • 63123
    $1,281
  • 63129
    $1,343
  • 63136
    $1,847

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.

accident2 icon
Most Accidents With Fatalities20th/300
handcuffs2 icon
Most Car Thefts183rd/300
uninsured icon
Most Uninsured Motorists by State17th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall106th/300
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Most Rainy Days119th/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.