Cheapest Car Insurance Companies in St. Louis, MO (2024 Rates)


Updated: October 3, 2024

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Your background and needs determine the cheapest car insurance option for you.

State Farm offers the cheapest rates for St. Louis drivers looking for minimum coverage policies. Meanwhile, American Family is the most affordable option for full coverage insurance, drivers with violations and sports car owners. It’s also the cheapest for younger and older adults.

Drivers with bad credit can find the lowest rates from Nationwide. For motorists with military affiliations, USAA is the cheapest choice.

MoneyGeek also listed the best car insurance companies in St. Louis to help you find a provider that balances service quality and affordability.

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2024

Cheapest Car Insurance in St. Louis, MO

Why Trust MoneyGeek? To study car insurance companies in St. Louis, we gathered data from the Missouri Department of Insurance and Quadrant Information Services and conducted a thorough analysis of car insurance offers.

43,229Quotes Analyzed
 
10Companies Compared

Cheapest Minimum Coverage Car Insurance in St. Louis

MoneyGeek found the following car insurance companies provide the most affordable minimum coverage policies in St. Louis:

  • State Farm: $633 per year
  • Travelers: $657 per year

Conversely, Kemper is the priciest provider in our study, offering a minimum coverage policy of $1,419 per year.

In addition, State Farm offers the cheapest car insurance in Missouri as of October 2022, with an average rate of $415 per year. St. Louis is more expensive to live in than other parts of the state, so it follows that car insurance rates would also be higher.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$633Monthly Premium$53
TravelersAnnual Premium$657Monthly Premium$55
NationwideAnnual Premium$690Monthly Premium$58
American FamilyAnnual Premium$736Monthly Premium$61
AllstateAnnual Premium$881Monthly Premium$73
ProgressiveAnnual Premium$1,032Monthly Premium$86
GEICOAnnual Premium$1,074Monthly Premium$90
ShelterAnnual Premium$1,089Monthly Premium$91
AAAAnnual Premium$1,132Monthly Premium$94
KemperAnnual Premium$1,419Monthly Premium$118

Missouri mandates auto insurance policies provide coverage for bodily injuries and property damage with the following minimum limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

In the event of an accident where you're found to be at fault, your insurer will only cover medical expenses up to $50,000, with a maximum of $25,000 per person. Any additional damages to the other driver (as well as expenses for damages to your vehicle) are your responsibility.

Cheapest Full Coverage Car Insurance in St. Louis

For full coverage car insurance in St. Louis, the following providers offer the lowest rates:

  • American Family: $1,269 per year
  • State Farm: $1,408 per year

Kemper is the costliest option in our analysis, with an average full coverage policy cost of $4,251 per year.

Meanwhile, Nationwide is Missouri's cheapest option for full coverage insurance as of October 2022, with an average cost of $909 annually. The difference between the most affordable providers in the city and the state shows car insurance prices can differ based on location.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$1,269Monthly Premium$106
State FarmAnnual Premium$1,408Monthly Premium$117
TravelersAnnual Premium$1,411Monthly Premium$118
NationwideAnnual Premium$1,425Monthly Premium$119
AllstateAnnual Premium$1,427Monthly Premium$119
ShelterAnnual Premium$2,510Monthly Premium$209
AAAAnnual Premium$2,543Monthly Premium$212
GEICOAnnual Premium$2,596Monthly Premium$216
ProgressiveAnnual Premium$3,225Monthly Premium$269
KemperAnnual Premium$4,251Monthly Premium$354

Minimum coverage car insurance only provides liability coverage, while a full coverage policy includes comprehensive and collision insurance.

  • Collision insurance: Pays for repairing or replacing your vehicle if it's damaged in an accident that you caused
  • Comprehensive insurance: Pays for repairing or replacing your vehicle if it's damaged by something other than a collision, like theft, vandalism or weather events

Opting for full coverage car insurance provides you with increased protection and is recommended for most drivers. However, if you own an older vehicle, the added cost of a full coverage policy may not be worthwhile.

Cheapest Car Insurance in St. Louis After a Driving Offense

MoneyGeek found drivers with violations can find the cheapest auto insurance rates in St. Louis from:

  • Speeding ticket: American Family ($1,507 per year)
  • At-fault accident: American Family ($1,567 per year)
  • DUI: American Family ($1,507 per year)

Meanwhile, these companies have the highest prices for motorists with violations:

  • Speeding ticket: GEICO ($4,545 per year)
  • At-fault accident: Kemper ($6,042 per year)
  • DUI: GEICO ($4,545 per year)

A driving violation can greatly impact your car insurance rates. Even if you choose an affordable provider like American Family, you'll likely face more expensive rates than someone with a clean record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American FamilyAnnual Premium$1,507Monthly Premium$126
State FarmAnnual Premium$1,515Monthly Premium$126
AllstateAnnual Premium$1,668Monthly Premium$139
NationwideAnnual Premium$1,754Monthly Premium$146
TravelersAnnual Premium$1,836Monthly Premium$153
GEICOAnnual Premium$3,072Monthly Premium$256
ShelterAnnual Premium$3,226Monthly Premium$269
AAAAnnual Premium$3,449Monthly Premium$287
ProgressiveAnnual Premium$3,855Monthly Premium$321
KemperAnnual Premium$4,984Monthly Premium$415

Generally, the more severe the violation, the higher your car insurance premiums will be.

In St. Louis, the average annual cost of car insurance goes up by $282 if you receive a DUI compared to a speeding ticket. But, you can still find cheap car insurance despite having a bad driving record by shopping around and taking advantage of discounts.

Cheapest Car Insurance in St. Louis for Teens and Their Families

In St. Louis, the cheapest car insurance options for teens on a family policy are:

  • GEICO: $2,414 per year for female teens; $2,557 per year for male teens
  • Allstate: $2,972 per year for male and female teens

On the other hand, Kemper has the most expensive premiums for teens on a family policy at $14,903 for female teens and $18,619 for male teens.

Car insurance for female teenagers is typically more affordable than for male teens, as females are considered safer drivers at this age. In St. Louis, this holds true as rates for male teenagers are $148 more expensive with GEICO. However, this gender-based cost difference gradually diminishes in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,414Individual Plan Monthly Premium$21,071
AllstateFamily Plan Annual Premium$2,972Individual Plan Monthly Premium$11,909
NationwideFamily Plan Annual Premium$3,116Individual Plan Monthly Premium$8,626
TravelersFamily Plan Annual Premium$3,118Individual Plan Monthly Premium$9,014
State FarmFamily Plan Annual Premium$3,677Individual Plan Monthly Premium$6,875
ProgressiveFamily Plan Annual Premium$7,788Individual Plan Monthly Premium$18,146
KemperFamily Plan Annual Premium$14,903Individual Plan Monthly Premium$34,204

Teen drivers can save on car insurance costs by joining a family policy rather than buying an individual one. For example, in St. Louis, the average price for a 16-year-old to get full coverage on a family policy is $3,348 per year. In contrast, a separate policy for the same teen costs $7,251 per year.

Families can find cheap car insurance for teens by comparing offers and taking advantage of student-specific discounts.

Cheapest Car Insurance in St. Louis for Military Drivers

The cheapest full coverage car insurance provider for drivers with military backgrounds in St. Louis are:

  • USAA: $536 per year
  • American Family: $1,269 per year

If you're looking for minimum coverage, USAA and State Farm offer the lowest rates at roughly $188 and $633 per year. The difference in the second cheapest option indicates how factors such as coverage preference affect car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$536Monthly Premium$45
American FamilyAnnual Premium$1,269Monthly Premium$106
State FarmAnnual Premium$1,408Monthly Premium$117
TravelersAnnual Premium$1,411Monthly Premium$118
NationwideAnnual Premium$1,425Monthly Premium$119
AllstateAnnual Premium$1,427Monthly Premium$119
ShelterAnnual Premium$2,510Monthly Premium$209
AAAAnnual Premium$2,543Monthly Premium$212
GEICOAnnual Premium$2,596Monthly Premium$216
ProgressiveAnnual Premium$3,225Monthly Premium$269
KemperAnnual Premium$4,251Monthly Premium$354

How to Compare Cheap St. Louis Car Insurance Quotes Online

You should compare online quotes from several providers to find the most affordable car insurance rates. Unfortunately, this takes at least 15 minutes per provider and requires a lot of personal details.

You can use MoneyGeek's car insurance calculator to get estimates instantly. Our tool will show you car insurance quotes based on age, driving record, vehicle type, and desired coverage.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 07, 2024

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Cheapest Car Insurance in St. Louis for Young Adults

The following companies offer affordable car insurance for young adults in St. Louis:

  • American Family: $1,345 per year
  • Travelers: $1,631 per year

Meanwhile, Kemper has the city's most expensive car insurance for young adults at $5,025 per year.

Young adults typically face higher car insurance rates than older drivers. In St. Louis, drivers in their 20s pay roughly $486 more for full coverage car insurance than drivers in their 40s.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$1,345Monthly Premium$112
TravelersAnnual Premium$1,631Monthly Premium$136
State FarmAnnual Premium$1,727Monthly Premium$144
AllstateAnnual Premium$1,768Monthly Premium$147
NationwideAnnual Premium$1,874Monthly Premium$156
GEICOAnnual Premium$2,881Monthly Premium$240
AAAAnnual Premium$3,242Monthly Premium$270
ProgressiveAnnual Premium$3,579Monthly Premium$298
ShelterAnnual Premium$3,855Monthly Premium$321
KemperAnnual Premium$5,025Monthly Premium$419

Cheapest Car Insurance in St. Louis for Seniors

MoneyGeek’s analysis reveals the cheapest car insurance providers for seniors in St. Louis are:

  • American Family: $1,187 per year
  • State Farm: $1,293 per year

Conversely, Kemper is the most expensive provider for older adults at around $4,212 per year.

Auto insurance rates for older drivers are often cheaper than for middle-aged drivers. The average cost for a 40-year-old driver in St. Louis is $2,207 yearly, while 65-year-olds pay approximately $2,061 annually.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$1,187Monthly Premium$99
State FarmAnnual Premium$1,293Monthly Premium$108
NationwideAnnual Premium$1,303Monthly Premium$109
AllstateAnnual Premium$1,310Monthly Premium$109
TravelersAnnual Premium$1,382Monthly Premium$115
ShelterAnnual Premium$2,082Monthly Premium$173
AAAAnnual Premium$2,224Monthly Premium$185
GEICOAnnual Premium$2,546Monthly Premium$212
ProgressiveAnnual Premium$3,072Monthly Premium$256
KemperAnnual Premium$4,212Monthly Premium$351

Cheapest Car Insurance in St. Louis for Poor Credit

The following companies offer the most affordable full coverage car insurance for drivers with poor credit in St. Louis:

  • Nationwide: $2,225 per year
  • American Family: $2,278 per year

On the other hand, AAA charges the highest rate for motorists with bad credit at $8,165 per year.

Typically, drivers with poor credit scores in St. Louis pay approximately 75% more for auto insurance than those with good credit. This translates to an additional $1,658 per year. However, it's still possible to find cheap car insurance even with bad credit.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$2,225Monthly Premium$185
American FamilyAnnual Premium$2,278Monthly Premium$190
AllstateAnnual Premium$2,305Monthly Premium$192
TravelersAnnual Premium$2,327Monthly Premium$194
State FarmAnnual Premium$2,598Monthly Premium$216
ShelterAnnual Premium$3,906Monthly Premium$326
GEICOAnnual Premium$4,058Monthly Premium$338
KemperAnnual Premium$5,162Monthly Premium$430
ProgressiveAnnual Premium$5,626Monthly Premium$469
AAAAnnual Premium$8,165Monthly Premium$680

Insurance companies often charge higher rates to drivers with poor credit due to the increased likelihood of filing claims.

However, there are various methods to lower insurance costs, including obtaining discounts, bundling policies and comparing quotes from different insurers. In addition, taking steps to improve your credit score can also lead to lower premiums in the long run.

Cheapest Car Insurance in St. Louis for Sports Cars

MoneyGeek found you can get the cheapest car insurance for sports cars in St. Louis from the following companies:

  • American Family: $1,187 per year
  • Travelers: $1,383 per year

Meanwhile, Kemper charges the highest premium for sports car owners at around $4,925 per year.

The type of car you own can affect your auto insurance premium. For example, St. Louis drivers with standard vehicles typically pay $2,207 annually for full coverage policies. However, if you drive a Mustang, your premium increases by 6% to $2,335 per year — a $128 difference.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$1,187Monthly Premium$99
TravelersAnnual Premium$1,383Monthly Premium$115
AllstateAnnual Premium$1,427Monthly Premium$119
NationwideAnnual Premium$1,604Monthly Premium$134
State FarmAnnual Premium$1,664Monthly Premium$139
GEICOAnnual Premium$3,154Monthly Premium$263
ProgressiveAnnual Premium$3,336Monthly Premium$278
KemperAnnual Premium$4,925Monthly Premium$410

MoneyGeek gathered insurance quotes for a Ford Mustang to determine how car insurance rates could be affected when driving a sports car. Premiums can vary for different sports car models. It's typical for sports cars, luxury cars, and electric vehicles in St. Louis to be more costly to insure compared to standard vehicles.

Average Cost of Car Insurance in St. Louis

The average cost of car insurance in St. Louis is $1,867 per year. That's for a full coverage policy with bodily injury liability limits of $100,000 per person and $300,000 per accident and $100,000 in property damage liability per accident.

Auto insurance prices are affected by factors such as location. Full coverage car insurance in St. Louis is about $479 more expensive than the average cost of car insurance in Missouri. It’s also $602 pricier than the national average.

ColumbiaFull Coverage Average Annual Premium$1,248Minimum Coverage Average Annual Premium$554
SpringfieldFull Coverage Average Annual Premium$1,363Minimum Coverage Average Annual Premium$652
IndependenceFull Coverage Average Annual Premium$1,436Minimum Coverage Average Annual Premium$664
Kansas CityFull Coverage Average Annual Premium$1,625Minimum Coverage Average Annual Premium$733
St. LouisFull Coverage Average Annual Premium$2,207Minimum Coverage Average Annual Premium$934

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.