Best car insurance in St. Louis, MO (2024)

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Ed ZuccarelliFreelance contributorEd 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.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

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The average cost of full coverage car insurance in St. Louis is $2,555 per year, which is $967 higher than the statewide average in Missouri. 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 $1,708

  • 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

Methodology & why you can trust our rates

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: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • 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.

Cheapest car insurance companies in St. Louis, MO

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. Here are the cheapest car insurance companies in St. Louis:

Company

Average cost

JD Power Rating

USAA

$783

890

Travelers

$1,557

854

State Farm

$1,563

882

Farm Bureau

$1,823

--

American Family

$1,945

874

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

63146

$1,708

63128

$1,715

63109

$2,029

63139

$2,051

63140

$2,130

63116

$2,242

63110

$2,403

63155

$2,421

63104

$2,492

63111

$2,497

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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

Travelers

State Farm

Farm Bureau

American Family

At-fault accident

$1,108

$2,144

$1,852

$1,967

$3,497

DUI

$1,460

$2,349

$1,720

$2,258

$2,735

Suspended license

$1,404

$2,349

$1,720

$2,258

$3,552

Open container

$1,170

$2,045

$1,720

$2,258

$2,735

Expired registration

$1,006

$2,045

$1,720

$1,823

$2,735

Driving without lights

$1,006

$2,006

$1,720

$1,823

$2,735

Running a red light

$1,006

$2,045

$1,720

$1,895

$2,735

Following too closely

$1,006

$2,045

$1,720

$1,895

$2,735

Hit and run

$1,510

$2,349

$1,720

$2,258

$3,552

Not-at-fault accident

$845

$1,677

$1,587

$1,823

$2,134

Passing a school bus

$1,170

$2,349

$1,720

$1,895

$2,735

Reckless driving

$1,269

$2,349

$1,720

$1,895

$3,552

Speeding

$1,006

$2,349

$1,720

$1,895

$2,735

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Cheapest car insurance for drivers with a DUI in St. Louis, MO

Company

Rates for drivers with DUIs

USAA

$1,460

State Farm

$1,720

Farm Bureau

$2,258

Travelers

$2,349

American Family

$2,735

Cheapest car insurance for drivers with a speeding ticket in St. Louis, MO

Company

Rates for drivers with speeding tickets

USAA

$1,006

State Farm

$1,720

Farm Bureau

$1,895

Travelers

$2,349

American Family

$2,735

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

Travelers

$2,929

State Farm

$3,061

Farm Bureau

$3,084

Columbia Insurance

$3,291

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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: $25,000

  • 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.

How much is car insurance per month in Missouri?

The average monthly cost of car insurance in Missouri is $132, or $1,588 per year.

Is Missouri a no-fault state?

No, Missouri is an at-fault state. This means the driver who is at fault in an accident is responsible for all bodily injury and property damage costs associated with the accident, even if they don't have enough insurance to cover all the damage they caused.

Can you drive without car insurance in Missouri?

No, it is illegal to drive without car insurance in Missouri. Drivers in Missouri are required to have liability insurance, including uninsured/underinsured motorist coverage.

Authors

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.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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