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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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2023

Cheapest Car Insurance in St. Louis, MO

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.

Company
Annual Premium
Monthly Premium

State Farm

$604

$50

State Farm

$633

$53

Travelers

$657

$55

Nationwide

$677

$56

Nationwide

$690

$58

Travelers

$694

$58

Travelers

$729

$61

American Family

$733

$61

American Family

$736

$61

State Farm

$744

$62

American Family

$778

$65

Allstate

$837

$70

Allstate

$881

$73

Shelter

$908

$76

Nationwide

$929

$77

AAA

$999

$83

Progressive

$1,004

$84

Allstate

$1,030

$86

Progressive

$1,032

$86

GEICO

$1,074

$90

Shelter

$1,089

$91

AAA

$1,132

$94

GEICO

$1,151

$96

Progressive

$1,154

$96

GEICO

$1,157

$96

American Family

$1,187

$99

American Family

$1,269

$106

State Farm

$1,293

$108

Nationwide

$1,303

$109

Allstate

$1,310

$109

American Family

$1,345

$112

Travelers

$1,382

$115

State Farm

$1,408

$117

Travelers

$1,411

$118

Kemper

$1,419

$118

Nationwide

$1,425

$119

Allstate

$1,427

$119

AAA

$1,433

$119

Kemper

$1,515

$126

Kemper

$1,601

$133

Travelers

$1,631

$136

Shelter

$1,683

$140

State Farm

$1,727

$144

Allstate

$1,768

$147

Nationwide

$1,874

$156

Shelter

$2,082

$173

AAA

$2,224

$185

Shelter

$2,510

$209

AAA

$2,543

$212

GEICO

$2,546

$212

GEICO

$2,596

$216

GEICO

$2,881

$240

Progressive

$3,072

$256

Progressive

$3,225

$269

AAA

$3,242

$270

Progressive

$3,579

$298

Shelter

$3,855

$321

Kemper

$4,212

$351

Kemper

$4,251

$354

Kemper

$5,025

$419

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$604

$50

State Farm

$633

$53

Travelers

$657

$55

Nationwide

$677

$56

Nationwide

$690

$58

Travelers

$694

$58

Travelers

$729

$61

American Family

$733

$61

American Family

$736

$61

State Farm

$744

$62

American Family

$778

$65

Allstate

$837

$70

Allstate

$881

$73

Shelter

$908

$76

Nationwide

$929

$77

AAA

$999

$83

Progressive

$1,004

$84

Allstate

$1,030

$86

Progressive

$1,032

$86

GEICO

$1,074

$90

Shelter

$1,089

$91

AAA

$1,132

$94

GEICO

$1,151

$96

Progressive

$1,154

$96

GEICO

$1,157

$96

American Family

$1,187

$99

American Family

$1,269

$106

State Farm

$1,293

$108

Nationwide

$1,303

$109

Allstate

$1,310

$109

American Family

$1,345

$112

Travelers

$1,382

$115

State Farm

$1,408

$117

Travelers

$1,411

$118

Kemper

$1,419

$118

Nationwide

$1,425

$119

Allstate

$1,427

$119

AAA

$1,433

$119

Kemper

$1,515

$126

Kemper

$1,601

$133

Travelers

$1,631

$136

Shelter

$1,683

$140

State Farm

$1,727

$144

Allstate

$1,768

$147

Nationwide

$1,874

$156

Shelter

$2,082

$173

AAA

$2,224

$185

Shelter

$2,510

$209

AAA

$2,543

$212

GEICO

$2,546

$212

GEICO

$2,596

$216

GEICO

$2,881

$240

Progressive

$3,072

$256

Progressive

$3,225

$269

AAA

$3,242

$270

Progressive

$3,579

$298

Shelter

$3,855

$321

Kemper

$4,212

$351

Kemper

$4,251

$354

Kemper

$5,025

$419

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$656

$55

State Farm

$656

$55

State Farm

$689

$57

State Farm

$689

$57

State Farm

$709

$59

State Farm

$746

$62

Nationwide

$794

$66

State Farm

$812

$68

State Farm

$812

$68

Nationwide

$813

$68

Travelers

$852

$71

State Farm

$881

$73

American Family

$883

$74

American Family

$883

$74

American Family

$883

$74

American Family

$883

$74

Travelers

$887

$74

American Family

$895

$75

American Family

$895

$75

Travelers

$896

$75

American Family

$928

$77

American Family

$928

$77

Travelers

$934

$78

American Family

$939

$78

Travelers

$961

$80

Allstate

$968

$81

Travelers

$993

$83

Nationwide

$1,015

$85

Travelers

$1,017

$85

Allstate

$1,022

$85

Travelers

$1,034

$86

Nationwide

$1,077

$90

Nationwide

$1,089

$91

Allstate

$1,100

$92

Travelers

$1,123

$94

Allstate

$1,131

$94

Progressive

$1,153

$96

Allstate

$1,165

$97

Shelter

$1,194

$100

Allstate

$1,198

$100

Allstate

$1,207

$101

Progressive

$1,236

$103

Nationwide

$1,248

$104

Progressive

$1,274

$106

Progressive

$1,290

$107

GEICO

$1,295

$108

Nationwide

$1,321

$110

GEICO

$1,348

$112

Shelter

$1,357

$113

Shelter

$1,357

$113

AAA

$1,380

$115

Allstate

$1,382

$115

Progressive

$1,385

$115

Nationwide

$1,386

$115

State Farm

$1,393

$116

State Farm

$1,393

$116

Progressive

$1,407

$117

American Family

$1,417

$118

American Family

$1,417

$118

Allstate

$1,424

$119

Shelter

$1,437

$120

GEICO

$1,458

$122

American Family

$1,470

$123

Kemper

$1,488

$124

GEICO

$1,492

$124

State Farm

$1,493

$124

AAA

$1,504

$125

American Family

$1,507

$126

American Family

$1,507

$126

State Farm

$1,515

$126

State Farm

$1,515

$126

Allstate

$1,532

$128

AAA

$1,533

$128

GEICO

$1,560

$130

American Family

$1,567

$131

AAA

$1,579

$132

Kemper

$1,589

$132

American Family

$1,596

$133

American Family

$1,596

$133

Nationwide

$1,621

$135

State Farm

$1,622

$135

Nationwide

$1,630

$136

Progressive

$1,634

$136

Shelter

$1,634

$136

Shelter

$1,634

$136

American Family

$1,664

$139

Allstate

$1,668

$139

Kemper

$1,680

$140

Kemper

$1,714

$143

AAA

$1,727

$144

GEICO

$1,728

$144

Allstate

$1,737

$145

Nationwide

$1,754

$146

AAA

$1,761

$147

Progressive

$1,788

$149

Allstate

$1,800

$150

Progressive

$1,834

$153

Travelers

$1,836

$153

GEICO

$1,838

$153

State Farm

$1,866

$156

State Farm

$1,866

$156

Kemper

$1,883

$157

Allstate

$1,891

$158

Travelers

$1,897

$158

GEICO

$1,905

$159

Travelers

$1,929

$161

Kemper

$1,935

$161

Allstate

$1,958

$163

Shelter

$1,973

$164

Kemper

$1,989

$166

Travelers

$1,992

$166

Travelers

$2,001

$167

State Farm

$2,005

$167

AAA

$2,023

$169

Nationwide

$2,039

$170

Travelers

$2,058

$172

Allstate

$2,085

$174

Travelers

$2,087

$174

Nationwide

$2,106

$175

Kemper

$2,189

$182

Nationwide

$2,205

$184

Travelers

$2,209

$184

AAA

$2,217

$185

Kemper

$2,244

$187

Shelter

$2,249

$187

Shelter

$2,249

$187

Travelers

$2,261

$188

AAA

$2,261

$188

GEICO

$2,268

$189

Allstate

$2,375

$198

Allstate

$2,466

$205

Nationwide

$2,502

$209

Nationwide

$2,667

$222

Shelter

$2,670

$223

Nationwide

$2,742

$229

AAA

$2,999

$250

Shelter

$3,003

$250

Shelter

$3,003

$250

GEICO

$3,072

$256

GEICO

$3,192

$266

Nationwide

$3,224

$269

Shelter

$3,226

$269

AAA

$3,251

$271

GEICO

$3,287

$274

AAA

$3,311

$276

AAA

$3,449

$287

GEICO

$3,535

$295

Progressive

$3,567

$297

Shelter

$3,630

$303

Shelter

$3,630

$303

Progressive

$3,667

$306

GEICO

$3,707

$309

AAA

$3,749

$312

GEICO

$3,755

$313

AAA

$3,817

$318

Progressive

$3,855

$321

Progressive

$3,968

$331

Progressive

$4,004

$334

Progressive

$4,254

$355

Kemper

$4,421

$368

AAA

$4,439

$370

Shelter

$4,452

$371

Kemper

$4,463

$372

GEICO

$4,545

$379

GEICO

$4,621

$385

Progressive

$4,683

$390

AAA

$4,833

$403

AAA

$4,925

$410

GEICO

$4,949

$412

Kemper

$4,984

$415

Shelter

$5,017

$418

Shelter

$5,017

$418

Kemper

$5,031

$419

Progressive

$5,031

$419

Progressive

$5,147

$429

Kemper

$5,275

$440

Kemper

$5,909

$492

Kemper

$6,042

$504

Kemper

$6,085

$507

Kemper

$7,188

$599

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$1,429

$2,423

Travelers

$1,549

$2,539

GEICO

$1,560

$6,024

Travelers

$1,600

$2,713

Travelers

$1,611

$2,995

GEICO

$1,616

$4,822

GEICO

$1,633

$5,856

GEICO

$1,649

$4,922

Travelers

$1,651

$2,799

GEICO

$1,662

$4,533

GEICO

$1,683

$4,590

GEICO

$1,693

$4,618

GEICO

$1,701

$5,424

GEICO

$1,722

$5,137

GEICO

$1,736

$5,199

Travelers

$1,765

$2,892

Travelers

$1,814

$3,262

Travelers

$1,826

$3,424

GEICO

$1,826

$11,763

Allstate

$1,847

$2,899

Allstate

$1,847

$2,899

Allstate

$1,884

$3,781

Allstate

$1,884

$3,781

Travelers

$1,897

$3,109

GEICO

$1,926

$8,619

Allstate

$1,940

$3,046

Allstate

$1,940

$3,046

GEICO

$1,986

$7,670

GEICO

$1,997

$8,253

Allstate

$2,000

$3,400

Allstate

$2,000

$3,400

Nationwide

$2,011

$2,935

State Farm

$2,022

$2,576

Allstate

$2,045

$3,210

Allstate

$2,045

$3,210

Nationwide

$2,056

$3,154

GEICO

$2,058

$7,383

Travelers

$2,125

$3,815

Travelers

$2,126

$3,823

Nationwide

$2,133

$3,977

Travelers

$2,133

$4,423

GEICO

$2,142

$13,798

Allstate

$2,152

$6,595

Allstate

$2,152

$6,595

GEICO

$2,177

$14,012

Allstate

$2,190

$4,395

Allstate

$2,190

$4,395

Allstate

$2,191

$5,017

Allstate

$2,191

$5,017

Nationwide

$2,197

$4,354

State Farm

$2,232

$2,844

Nationwide

$2,303

$3,361

State Farm

$2,311

$2,876

Nationwide

$2,321

$3,729

State Farm

$2,333

$3,396

Nationwide

$2,378

$3,649

Nationwide

$2,395

$4,069

GEICO

$2,414

$21,071

State Farm

$2,416

$3,078

Nationwide

$2,416

$3,527

Travelers

$2,436

$5,619

State Farm

$2,479

$3,660

GEICO

$2,495

$16,061

Nationwide

$2,496

$3,829

Travelers

$2,516

$4,517

Travelers

$2,537

$5,330

GEICO

$2,557

$19,301

State Farm

$2,596

$3,231

State Farm

$2,739

$3,985

State Farm

$2,825

$4,171

State Farm

$2,825

$4,683

Nationwide

$2,825

$6,291

Nationwide

$2,826

$7,340

State Farm

$2,845

$3,541

Allstate

$2,878

$8,822

Allstate

$2,878

$8,822

Nationwide

$2,970

$5,538

Allstate

$2,972

$11,909

Allstate

$2,972

$11,909

Travelers

$2,995

$6,901

Travelers

$3,010

$6,943

Nationwide

$3,011

$7,356

State Farm

$3,031

$4,401

Nationwide

$3,056

$8,482

Nationwide

$3,116

$8,626

Travelers

$3,118

$9,014

Nationwide

$3,125

$6,194

Nationwide

$3,199

$8,308

State Farm

$3,220

$5,334

Nationwide

$3,374

$9,998

Nationwide

$3,463

$9,614

State Farm

$3,536

$5,855

State Farm

$3,544

$5,146

State Farm

$3,661

$6,065

State Farm

$3,677

$6,875

Travelers

$3,770

$8,688

Travelers

$3,923

$11,537

State Farm

$4,069

$6,677

State Farm

$4,634

$7,603

State Farm

$4,655

$8,633

Kemper

$5,064

$6,056

Progressive

$5,445

$5,364

Progressive

$5,864

$5,937

Progressive

$5,958

$5,869

Kemper

$5,970

$6,880

Progressive

$6,204

$6,280

Progressive

$6,206

$7,916

Kemper

$6,330

$8,491

Progressive

$6,371

$7,337

Progressive

$6,428

$7,151

Kemper

$6,432

$7,693

Progressive

$6,521

$8,515

Progressive

$6,580

$6,662

Progressive

$6,634

$6,535

Kemper

$6,725

$8,043

Progressive

$7,421

$17,947

Progressive

$7,573

$11,152

Progressive

$7,769

$9,909

Progressive

$7,788

$18,146

Kemper

$7,834

$10,497

Progressive

$7,838

$19,252

Kemper

$7,868

$9,068

Progressive

$7,979

$12,131

Kemper

$8,124

$9,399

Progressive

$8,127

$10,612

Progressive

$8,230

$19,567

Kemper

$8,388

$9,667

Progressive

$8,439

$20,409

Progressive

$8,885

$21,824

Kemper

$9,504

$10,996

Kemper

$9,650

$13,099

Kemper

$9,851

$15,374

Kemper

$10,084

$11,622

Kemper

$11,789

$13,587

Kemper

$11,980

$16,213

Kemper

$12,287

$19,074

Kemper

$12,943

$20,200

Kemper

$14,903

$34,204

Kemper

$16,172

$25,106

Kemper

$18,619

$42,533

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.

Company
Annual Premium
Monthly Premium

USAA

$188

$16

USAA

$193

$16

USAA

$219

$18

USAA

$513

$43

USAA

$536

$45

State Farm

$604

$50

State Farm

$633

$53

USAA

$640

$53

Travelers

$657

$55

Nationwide

$677

$56

Nationwide

$690

$58

Travelers

$694

$58

Travelers

$729

$61

American Family

$733

$61

American Family

$736

$61

State Farm

$744

$62

American Family

$778

$65

Allstate

$837

$70

Allstate

$881

$73

Shelter

$908

$76

Nationwide

$929

$77

AAA

$999

$83

Progressive

$1,004

$84

Allstate

$1,030

$86

Progressive

$1,032

$86

GEICO

$1,074

$90

Shelter

$1,089

$91

AAA

$1,132

$94

GEICO

$1,151

$96

Progressive

$1,154

$96

GEICO

$1,157

$96

American Family

$1,187

$99

American Family

$1,269

$106

State Farm

$1,293

$108

Nationwide

$1,303

$109

Allstate

$1,310

$109

American Family

$1,345

$112

Travelers

$1,382

$115

State Farm

$1,408

$117

Travelers

$1,411

$118

Kemper

$1,419

$118

Nationwide

$1,425

$119

Allstate

$1,427

$119

AAA

$1,433

$119

Kemper

$1,515

$126

Kemper

$1,601

$133

Travelers

$1,631

$136

Shelter

$1,683

$140

State Farm

$1,727

$144

Allstate

$1,768

$147

Nationwide

$1,874

$156

Shelter

$2,082

$173

AAA

$2,224

$185

Shelter

$2,510

$209

AAA

$2,543

$212

GEICO

$2,546

$212

GEICO

$2,596

$216

GEICO

$2,881

$240

Progressive

$3,072

$256

Progressive

$3,225

$269

AAA

$3,242

$270

Progressive

$3,579

$298

Shelter

$3,855

$321

Kemper

$4,212

$351

Kemper

$4,251

$354

Kemper

$5,025

$419

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$604

$50

State Farm

$633

$53

Travelers

$657

$55

Nationwide

$677

$56

Nationwide

$690

$58

Travelers

$694

$58

Travelers

$729

$61

American Family

$733

$61

American Family

$736

$61

State Farm

$744

$62

American Family

$778

$65

Allstate

$837

$70

Allstate

$881

$73

Shelter

$908

$76

Nationwide

$929

$77

AAA

$999

$83

Progressive

$1,004

$84

Allstate

$1,030

$86

Progressive

$1,032

$86

GEICO

$1,074

$90

Shelter

$1,089

$91

AAA

$1,132

$94

GEICO

$1,151

$96

Progressive

$1,154

$96

GEICO

$1,157

$96

American Family

$1,187

$99

American Family

$1,269

$106

State Farm

$1,293

$108

Nationwide

$1,303

$109

Allstate

$1,310

$109

American Family

$1,345

$112

Travelers

$1,382

$115

State Farm

$1,408

$117

Travelers

$1,411

$118

Kemper

$1,419

$118

Nationwide

$1,425

$119

Allstate

$1,427

$119

AAA

$1,433

$119

Kemper

$1,515

$126

Kemper

$1,601

$133

Travelers

$1,631

$136

Shelter

$1,683

$140

State Farm

$1,727

$144

Allstate

$1,768

$147

Nationwide

$1,874

$156

Shelter

$2,082

$173

AAA

$2,224

$185

Shelter

$2,510

$209

AAA

$2,543

$212

GEICO

$2,546

$212

GEICO

$2,596

$216

GEICO

$2,881

$240

Progressive

$3,072

$256

Progressive

$3,225

$269

AAA

$3,242

$270

Progressive

$3,579

$298

Shelter

$3,855

$321

Kemper

$4,212

$351

Kemper

$4,251

$354

Kemper

$5,025

$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.

Company
Annual Premium
Monthly Premium

State Farm

$604

$50

State Farm

$633

$53

Travelers

$657

$55

Nationwide

$677

$56

Nationwide

$690

$58

Travelers

$694

$58

Travelers

$729

$61

American Family

$733

$61

American Family

$736

$61

State Farm

$744

$62

American Family

$778

$65

Allstate

$837

$70

Allstate

$881

$73

Shelter

$908

$76

Nationwide

$929

$77

AAA

$999

$83

Progressive

$1,004

$84

Allstate

$1,030

$86

Progressive

$1,032

$86

GEICO

$1,074

$90

Shelter

$1,089

$91

AAA

$1,132

$94

GEICO

$1,151

$96

Progressive

$1,154

$96

GEICO

$1,157

$96

American Family

$1,187

$99

American Family

$1,269

$106

State Farm

$1,293

$108

Nationwide

$1,303

$109

Allstate

$1,310

$109

American Family

$1,345

$112

Travelers

$1,382

$115

State Farm

$1,408

$117

Travelers

$1,411

$118

Kemper

$1,419

$118

Nationwide

$1,425

$119

Allstate

$1,427

$119

AAA

$1,433

$119

Kemper

$1,515

$126

Kemper

$1,601

$133

Travelers

$1,631

$136

Shelter

$1,683

$140

State Farm

$1,727

$144

Allstate

$1,768

$147

Nationwide

$1,874

$156

Shelter

$2,082

$173

AAA

$2,224

$185

Shelter

$2,510

$209

AAA

$2,543

$212

GEICO

$2,546

$212

GEICO

$2,596

$216

GEICO

$2,881

$240

Progressive

$3,072

$256

Progressive

$3,225

$269

AAA

$3,242

$270

Progressive

$3,579

$298

Shelter

$3,855

$321

Kemper

$4,212

$351

Kemper

$4,251

$354

Kemper

$5,025

$419

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.

Company
Annual Premium
Monthly Premium

Nationwide

$948

$79

Nationwide

$965

$80

Travelers

$1,066

$89

Travelers

$1,107

$92

Travelers

$1,182

$99

State Farm

$1,193

$99

Allstate

$1,255

$105

State Farm

$1,259

$105

American Family

$1,331

$111

Allstate

$1,332

$111

Nationwide

$1,336

$111

American Family

$1,342

$112

Shelter

$1,420

$118

American Family

$1,424

$119

State Farm

$1,507

$126

Allstate

$1,593

$133

GEICO

$1,627

$136

Progressive

$1,684

$140

Shelter

$1,702

$142

Progressive

$1,731

$144

Kemper

$1,734

$145

GEICO

$1,750

$146

GEICO

$1,759

$147

Progressive

$1,894

$158

Kemper

$1,957

$163

Kemper

$1,964

$164

Nationwide

$2,032

$169

Allstate

$2,099

$175

American Family

$2,141

$178

Nationwide

$2,225

$185

American Family

$2,278

$190

Allstate

$2,305

$192

Travelers

$2,327

$194

Travelers

$2,327

$194

State Farm

$2,407

$201

American Family

$2,425

$202

State Farm

$2,598

$216

Shelter

$2,624

$219

Travelers

$2,692

$224

Nationwide

$2,716

$226

Allstate

$2,909

$242

AAA

$3,166

$264

Shelter

$3,242

$270

State Farm

$3,275

$273

AAA

$3,577

$298

Shelter

$3,906

$326

GEICO

$3,978

$331

GEICO

$4,058

$338

AAA

$4,479

$373

GEICO

$4,512

$376

Kemper

$5,162

$430

Progressive

$5,373

$448

Kemper

$5,482

$457

Progressive

$5,626

$469

Shelter

$5,981

$498

Kemper

$6,091

$508

Progressive

$6,149

$512

AAA

$7,196

$600

AAA

$8,165

$680

AAA

$10,286

$857

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.

Company
Annual Premium
Monthly Premium

Travelers

$590

$49

Travelers

$620

$52

State Farm

$642

$54

Travelers

$650

$54

State Farm

$675

$56

Nationwide

$694

$58

Nationwide

$706

$59

American Family

$723

$60

American Family

$726

$61

Allstate

$733

$61

American Family

$767

$64

Allstate

$770

$64

State Farm

$797

$66

Progressive

$838

$70

Progressive

$886

$74

Allstate

$893

$74

GEICO

$897

$75

Nationwide

$953

$79

GEICO

$953

$79

GEICO

$965

$80

Progressive

$1,054

$88

American Family

$1,115

$93

American Family

$1,187

$99

American Family

$1,255

$105

Allstate

$1,296

$108

Kemper

$1,311

$109

Travelers

$1,344

$112

Travelers

$1,383

$115

Kemper

$1,404

$117

Allstate

$1,427

$119

Nationwide

$1,450

$121

Kemper

$1,479

$123

State Farm

$1,525

$127

Travelers

$1,604

$134

Nationwide

$1,604

$134

State Farm

$1,664

$139

Allstate

$1,778

$148

State Farm

$2,079

$173

Nationwide

$2,128

$177

GEICO

$2,938

$245

Progressive

$2,959

$247

GEICO

$3,154

$263

Progressive

$3,336

$278

GEICO

$3,552

$296

Progressive

$4,078

$340

Kemper

$4,771

$398

Kemper

$4,925

$410

Kemper

$5,871

$489

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.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Columbia

$1,248

$554

Springfield

$1,363

$652

Independence

$1,436

$664

Kansas City

$1,625

$733

St. Louis

$2,207

$934

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.