1. Home
  2. The Best Cheap Car Insurance in St. Louis

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.

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.

Insurance Rates

The Best Cheap Car Insurance Companies in St. Louis

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.

Scroll for more

swipe icon

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.

Insurance Rates

Cheapest Car Insurance in St. Louis by Coverage Amount

How much car insurance coverage you purchase in St. Louis also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

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.

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 by Coverage Type

Liability Only
Full Coverage
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.

Insurance Rates

Cheapest Car Insurance in St. Louis if You Have Tickets

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.

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
iconribbontop ratedCar Insurance agentsSt. Louis2021

Top Agents Offering Affordable Car Insurance in St. Louis

1. Brent Mathany - State Farm Insurance Agent7727 Clayton Rd, St. Louis, MO, 63117
13 ratings
2. Tammy Luechtefeld - State Farm Insurance Agent8913 Gravois Rd, St. Louis, MO, 63123
6 ratings
3. The LaVigne Group9849 Manchester Rd, Ste 3, St. Louis, MO, 63119
5 ratings
4. AAA Missouri9005 Watson Road, St. Louis, MO, 63126
7 ratings
5. AAA Missouri12901 N Forty Dr, St. Louis, MO, 63141
7 ratings

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
umbrella icon
Most Rainy Days119th/300

Shopping around for car insurance in St. Louis could save you $528, which is enough to buy:


coffee icon
176Cups of Coffee
display2
41Months of Your Favorite Streaming Service

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.

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.

Insurance Rates

About the Author


expert-profile

The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.