The best car insurance in St Louis, MO

Ed Zuccarelli

By

Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Published November 22, 2021

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The average rate for full coverage car insurance in St. Louis is $2,386, substantially higher than the Missouri state average of $1,568. But St. Louis drivers can still save money on car insurance — the best way to get the best rates is by comparing quotes from multiple companies.

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Policygenius can help you see rates from top companies, so you can choose the car insurance policy that works best for you.

Key Takeaways

  • USAA offers the lowest average rate in St. Louis at $783 a year for full coverage

  • 63146 is the cheapest ZIP code for car insurance with an average rate of $1,684

  • Missouri requires minimum coverage of $25,000 per person and $50,000 per accident in bodily injury liability coverage $10,000 for property damage liability coverage 

  • Uninsured/underinsured motorist coverage is also required in Missouri

Cheapest car insurance companies in St Louis, MO

Car insurance companies use lots of different factors when determining your rates. Some of these factors can’t be controlled, like your age and gender, but some you can work on, like your driving record.

The cheapest company for one driver isn’t always the best choice for another, which is why you should always take time to compare quotes before you buy a policy.

Company

Average cost

JD Power Rating

USAA

$783

890

State Farm

$1,510

881

Travelers

$1,711

861

Missouri Farm Bureau

$1,910

--

American Family

$1,979

862

Cheapest car insurance rates by ZIP code in St Louis, MO

In a city like St. Louis, car insurance rates can vary greatly depending on where in the city you live. Local factors such as the number of accidents, tickets issued, and the amount of secure and off-street parking available in your neighborhood can influence your rates.

ZIP code

Average cost

63101

$2,459

63102

$2,460

63103

$2,467

63104

$2,448

63106

$2,708

63107

$2,763

63108

$2,460

63109

$1,994

Choosing the right car insurance company in St Louis, MO

There’s no one right car insurance company for every driver, which is why it’s so important to shop around before you buy. Some car insurance companies charge far more to drivers with accidents on their records but won’t raise you rates for having a poor credit score, while others might be friendlier to teen drivers than others.

The best way to find the right car insurance company for you is to shop around. Policygenius can help you see quotes from top companies, so you can choose the coverage that’s best for you and your wallet.

Car insurance rates for drivers with driving violations in St Louis, MO

Car insurance companies consider any recent accidents, claims and tickets on your record and will raise your rates accordingly.

The best way to avoid this is to be a safe and careful driver, but if you do have a less than perfect driving record, it is even more important to shop around before you buy a policy.

Violation

USAA

State Farm

Travelers

Missouri Farm Bureau

American Family

At-fault Accident

$1,108

$1,789

$2,348

$2,065

$3,462

DUI

$1,460

$1,662

$2,569

$2,375

$2,712

Driving with a suspended license

$1,404

$1,662

$2,569

$2,375

$3,536

Driving with an open container

$1,170

$1,662

$2,244

$2,375

$2,712

Driving with expired registration

$1,006

$1,662

$2,244

$1,910

$2,712

Driving without Lights

$927

$1,662

$2,202

$1,910

$2,712

Failure to show documents

$1,006

$1,662

$2,244

$1,910

$2,712

Failure to stop at a red light

$1,006

$1,662

$2,244

$1,910

$2,712

Cheapest car insurance for drivers with bad credit in St Louis, MO

The worse your credit score, the more you’ll pay for car insurance, so St. Louis drivers with bad credit should make sure they take extra time to shop around for affordable rates before picking a car insurance policy.

Company

Rates for drivers with bad credit

USAA

$1,471

State Farm

$2,950

Missouri Farm Bureau

$3,235

Columbia Insurance

$3,291

Nationwide

$3,299

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Buying car insurance in St Louis, MO

Missouri requires all drivers to have a minimum amount of car insurance coverage. It is important to remember that most drivers will require more than the state minimums in order to be fully protected in case of an accident, but all drivers must have at least the following amount of coverage:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $10,000

  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per incident.

Missouri is an at fault state when it comes to car accidents. That means that the insurance company of the drivers found responsible for an accident has to pay for the other party’s repair bills or medical expenses. Under Missouri’s pure comparative fault system, multiple parties can be at fault in an accident, and their degree of liability determines how claims are settled.

How to get cheap car insurance in St Louis, MO

  • Compare rates. One company may offer you a much better deal than another, even for identical coverage, so shop around before you pick a policy.

  • Bundle coverage. Get your home and auto policies from the same company and save on both.

  • Know your discounts. You can save for safe driving, good grades, even setting up auto-pay.

  • Reshop your policy yearly. Car insurance companies compete for your business, take advantage of what they have to offer, even if it means changing companies.

Frequently asked questions

Is car insurance mandatory in Missouri?

Yes, St. Louis drivers must show proof of insurance to any law enforcement official upon request, or receive a ticket for failing to do so. If you’re convicted of failing to show proof of insurance, there are a number of possible consequences, including points on your license or suspension of driving privileges.

I’ve heard turning 25 makes me eligible for a lower rate. Is that true?

Yes, turning 25 usually means your rates will go down, especially if you’ve been driving since you were a teen and you’ve maintained a clean driving record. However, if you received your license later or your driving record is less than perfect, that may not be the case.

Can you tell me more about comparative fault?

There are situations where both drivers may share some of the blame for an accident. The insurance companies will agree on a set percentage of responsibility in these cases and your insurance liability is calculated accordingly.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.