Cheapest Auto Insurance in St. Louis, Missouri (2026)
USAA offers the cheapest car insurance in St. Louis, with minimum-coverage policies as low as $88 per month.
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Written byTaylor Milam-Samuel
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Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Table of contents
Car insurance policies in St. Louis cost an average of $201 per month — considerably more than the national average of $136 per month. Known for its iconic Gateway Arch, successful sports teams, and impressive arts scene, St. Louis is the second-largest city in Missouri.[1] [2]
The large number of drivers on St. Louis’ roadways and the city’s relatively high number of property crimes likely contribute to its higher-than-average car insurance costs. But some top insurers offer rates below the city average.
Here’s what you need to know about finding cheap car insurance in St. Louis.
Quick Facts
USAA, Progressive, and State Farm have the cheapest car insurance in St. Louis.
St. Louis drivers pay monthly averages of $150 for liability-only coverage and $252 for full coverage.
Full-coverage policies cost St. Louis drivers an average of $3,026 per year.
3 of the cheapest car insurance companies in St. Louis
The best car insurance companies vary from one city to the next, but it’s always important to consider your insurance needs and finances. Car insurance is a recurring expense, and finding a policy that fits your budget and provides adequate coverage is essential.
State Farm, USAA, and American Family offer the most competitive rates for a few common types of drivers in St. Louis. Even so, the best insurance company for you may be entirely different. Each driver has a unique driving history, and each insurer calculates rates differently, which only emphasizes the importance of comparing car insurance quotes before buying.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $122 | $67 | Cheap rates |
| USAA | 9.1 | $104 | $57 | Military families |
| American Family | 9.3 | $208 | $113 | Accident forgiveness |
Disclaimer: Table data is based on real-time Saint Louis quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $103/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $189/mo |
4.0
Best choiceBased on 15,100 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (7,052)
Steve
Verified Review
Overpaying for Insurance
Reviewed in New York on February 18, 2026
I have been with State Farm Insurance from 1967 to 2026, which would be 59 years, minus 2 1/2 years I was in the military. State Farm Insurance was always great to me, and I always had a local State Farm Insurance office and agent that made everything simple. I did enjoy having that kind of experience and service. After all the years that I’ve been with them and asking if there was any way that I could qualify for a reduced rate and being told no so quickly or without checking made my blood boil. I’ve been hearing this for years, “If you have an insurance agent you’re throwing your money away.” After contacting a number of insurance companies and getting insurance quotes for the same type of coverage, I’m finding that I have been paying premiums that were way too high. I can save $1,500-$1,750 a year for the same type of coverage, not dealing with an insurance agent. That’s a lot of money, so I started looking for insurance companies that can give me better rates for the same coverage I had.
Tina
Verified Review
Twenty+ Years Customer
Reviewed in Texas on February 18, 2026
I have been with my current insurance company for over 20 years. I've only had one accident in all that time. My premiums have steadily increased, and it has been difficult asking if there are any discounts available for me. I'm retired now and don't drive as much as when I was working. They don't seem to have any discounts for seniors or folks that don't drive as much anymore.
Elessa
Verified Review
Lack of Communication on Rate Increases
Reviewed in Maryland on February 18, 2026
The deductible increased without notice or explanation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index. State Farm also ranked above average for every region in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
Rideshare insurance available
More than 100 years in the insurance industry
Cons
Gap insurance not available
May not be the cheapest choice for drivers with violations
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $160/mo |
4.9
Best choiceBased on 2,983 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,454)
John
Verified Review
No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.
Reviewed in Massachusetts on February 17, 2026
No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.
Ritchie
Verified Review
Need cheaper coverage
Reviewed in Arizona on February 17, 2026
I would like to have full coverage at a cheaper rate.
Olivia
Verified Review
Unhappy with your rates
Reviewed in New Jersey on February 17, 2026
Very unhappy. I've been with the company for years. I get no discount, and I don't think they help veterans with their high rates. I am getting lower quotes from everybody else.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto insurance customers have access to several discounts with USAA, including bundling, insuring multiple vehicles, living on a military base, and more. AM Best gives USAA an A++ (Superior) rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s 2023 U.S Auto Insurance Study. Customer reviews are mixed for service and claims processing, though.
Pros
Low premiums
SafePilot program rewards safe drivers with a discount of up to 30%
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
24/7 customer phone support not available
Best insurer for accident forgiveness: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $174/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $320/mo |
4.5
Best choiceBased on 565 verified driver reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (259)
Ella
Verified Review
Excellent
Reviewed in Illinois on February 9, 2026
Priced too high for my car.
Ginger
Verified Review
Overcharged for Good Driver
Reviewed in South Carolina on February 4, 2026
The rates are ridiculously high. I have 2 speeding tickets (in speed traps over 2 years) and NO accidents EVER. I drive under 5000 miles a year and have a safe driving certificate, with over 60 years of driving experience. There's no need for a 6-month policy costing $822. Outrageous!
Mari
Verified Review
Rates are not the highest nor the lowest
Reviewed in Indiana on February 4, 2026
The fees are higher than others like Progressive Insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family stands out for its high rate of customer satisfaction, with largely positive online consumer reviews and well below-average number of complaints on the NAIC Consumer Complaint Index. American Family offers car insurance policyholders 16 different discounts, and the company has an excellent rating from AM Best for financial strength.
Pros
High J.D. Power customer satisfaction rating in the Central region
Numerous discount and coverage options
Cons
Available in only 18 states
Rates are merely moderate compared to other insurers
)
Top 10 Cheap Car Insurance Companies in February 2026
How to get the cheapest car insurance in St. Louis
Your credit score, age, location, driving record, and vehicle all affect your car insurance rates. While you can’t change some of these factors, you can take steps to secure a better deal.
Here are some simple strategies for lowering your car insurance bill:
Limit your mileage. If you only drive a few hundred miles monthly, consider switching to a usage-based policy where you only pay for the miles you drive. Make sure to estimate your annual mileage accurately. If you drive infrequently, you’ll typically pay less.
Apply for discounts. Most insurers offer a variety of discounts. Check for discounts related to age, driving record, student status, and loyalty.
Bundle policies. You can usually qualify for a discount if you get multiple policies from one insurer, such as your home and auto insurance.
Don’t avoid extra coverage. It’s tempting to opt for the minimum coverage amounts to save money. But even though it costs more in the short term, you could save money if you’re in an accident and have more extensive coverage.
Find Car Insurance in St. Louis, Missouri
Liability rates start at $88 per month
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Cheapest liability-only car insurance in St. Louis: USAA
Most states, including Missouri, require drivers to carry liability-only car insurance. This insurance typically covers vehicle repairs and medical costs for the other driver if you’re responsible for an accident — but not your own medical expenses or vehicle repairs.[3]
Liability-only policies in St. Louis cost an average of $150 per month. Here are the insurance companies with the cheapest liability rates in St. Louis.
The below rates in Saint Louis, MO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $88 |
| Progressive | $98 |
| State Farm | $103 |
| Root | $126 |
| Safeco | $131 |
| National General | $135 |
| Allstate | $140 |
| Bristol West | $148 |
| Direct Auto | $151 |
| GEICO | $152 |
| Clearcover | $155 |
| American Family | $174 |
| The General | $182 |
| GAINSCO | $188 |
| Liberty Mutual | $228 |
| Shelter | $231 |
| Nationwide | $245 |
| Auto-Owners | $254 |
| Travelers | $255 |
Disclaimer: Table data sourced from real-time Saint Louis car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Louis may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in St. Louis: USAA
Full-coverage car insurance meets the state requirements for liability coverage and usually includes comprehensive and collision. Each insurer defines full coverage differently, but the policies cover medical expenses and vehicle repairs. Unlike liability-only insurance, full-coverage insurance pays for your medical expenses and repairs if you’re responsible for an accident.
St. Louis drivers pay an average of $252 per month for full-coverage auto insurance. The following insurers offer the best full-coverage rates in St. Louis.
The below rates in Saint Louis, MO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $160 |
| Progressive | $188 |
| State Farm | $189 |
| Safeco | $237 |
| Root | $254 |
| Allstate | $257 |
| National General | $262 |
| Direct Auto | $278 |
| GEICO | $278 |
| Clearcover | $292 |
| American Family | $320 |
| Liberty Mutual | $355 |
| Bristol West | $371 |
| The General | $409 |
| Shelter | $423 |
| GAINSCO | $432 |
| Nationwide | $449 |
| Auto-Owners | $465 |
| Travelers | $468 |
Disclaimer: Table data sourced from real-time Saint Louis car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Louis may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Saint Louis, Missouri
Recent Saint Louis, Missouri car insurance prices for Toyota, Volkswagen, KIA , and more.
*Quotes generated for Insurify users in and around Saint Louis, Missouri within the last 10 days. Last updated on February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Saint Louis, Missouri within the last 10 days. Last updated on February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
Missouri is an at-fault state, meaning the driver who causes an accident must turn to their own insurance company to cover the claim damages.[4]
The state mandates liability-only auto insurance to ensure drivers have adequate coverage, including minimum amounts for bodily injury liability coverage, property damage liability insurance, and uninsured or underinsured motorist coverage.
Below are the mandated coverage limits for drivers in St. Louis:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist coverage | $25,000 per person / $50,000 per accident |
While the minimum-coverage amounts provide some financial protection, you might want to purchase higher limits or additional coverages. If you lease or finance your car, you might have to add extra protections since lenders usually require collision and comprehensive coverage.
The following coverages exceed the state minimums and are worth considering, especially if you drive frequently:
Comprehensive coverage
Comprehensive insurance provides financial protection if your car sustains damage due to something other than a collision, including theft, fire, and vandalism.
Collision coverage
If you’re at fault for an accident, collision insurance protects you financially.
Glass coverage
This pays for repairs if your windshield or windows are shattered or damaged. It’s usually a supplemental policy.
Gap coverage
If you finance your car and owe more than the vehicle is currently worth, gap insurance can help cover the difference in the event of a claim.
Keep in Mind
As you decide what coverage you need, it’s important to consider your budget, the value of your car, and how much you’ll be driving.
Pure comparative fault
Missouri abides by the rules of pure comparative fault, which means drivers can be at fault for a percentage of an accident. Because of that, your damages will be reduced by the amount you’re at fault. After drivers file a claim, insurance companies can investigate the accident and determine the percentage of fault for everyone involved.[5]
For example, if you’re in an accident, the other driver might be at fault for 70% of the collision, but you might be responsible for 30%, so only 70% of your claim would be covered. If you disagree with the final evaluation, you can seek legal help or ask your insurance company to meet with the other insurer to reconsider.
Cheapest car insurance for drivers with an incident
Some factors, like location and age, affect your car insurance rates and are impossible to control. But your driving record — especially whether you have any violations — also affects your rates.
Insurers consider the incidents on your driving record when determining rates. Incidents like driving under the influence (DUI), speeding tickets, and at-fault accidents can all cause your rates to increase. Because of that, it’s even more important to compare quotes and find the most competitive rates.
Shop for Car Insurance in St. Louis, MO
Monthly rates start at $110 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
If you have a speeding ticket on your record, you may see your insurance costs increase, depending on the severity of the ticket and how many other infractions you have on your record. St. Louis drivers with a speeding ticket on their record pay an average of $188 per month for liability-only auto insurance and $316 for full coverage.
Here are the cheapest insurance companies in St. Louis for drivers with speeding tickets.
The below rates in Saint Louis, MO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $88 | $114 |
| Progressive | $98 | $123 |
| State Farm | $103 | $131 |
| Root | $126 | $168 |
| Safeco | $131 | $173 |
| National General | $135 | $168 |
| Allstate | $140 | $182 |
| Bristol West | $148 | $186 |
| Direct Auto | $151 | $189 |
| GEICO | $152 | $199 |
| Clearcover | $155 | $201 |
| American Family | $174 | $226 |
| The General | $182 | $243 |
| GAINSCO | $188 | $224 |
| Liberty Mutual | $228 | $290 |
| Shelter | $231 | $307 |
| Nationwide | $245 | $318 |
| Auto-Owners | $254 | $331 |
| Travelers | $255 | $331 |
Disclaimer: Table data sourced from real-time Saint Louis car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Louis may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Insurers will classify you as “at fault” if you’re responsible for an accident. In Missouri, an at-fault accident can stay on your record for three to five years.[6] At-fault accidents almost always cause your insurance rates to increase. Due to Missouri’s pure comparative fault rule, you can be partially at fault. But this can still negatively affect your car insurance record.
St. Louis drivers with an at-fault accident on record pay an average of $202 per month for liability-only auto insurance and $339 for full coverage. Here are the best insurance companies for St. Louis drivers with at-fault accidents.
The below rates in Saint Louis, MO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $88 | $119 |
| Progressive | $98 | $132 |
| State Farm | $103 | $137 |
| Root | $126 | $169 |
| Safeco | $131 | $185 |
| National General | $135 | $181 |
| Allstate | $140 | $189 |
| Bristol West | $148 | $196 |
| Direct Auto | $151 | $208 |
| GEICO | $152 | $199 |
| Clearcover | $155 | $227 |
| American Family | $174 | $235 |
| The General | $182 | $253 |
| GAINSCO | $188 | $243 |
| Liberty Mutual | $228 | $306 |
| Shelter | $231 | $314 |
| Nationwide | $245 | $332 |
| Auto-Owners | $254 | $338 |
| Travelers | $255 | $346 |
Disclaimer: Table data sourced from real-time Saint Louis car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Louis may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Driving-under-the-influence (DUI) violations can do more than negatively affect car insurance rates. Some insurers may even choose not to renew auto policies after drivers get an infraction. St. Louis drivers with a DUI pay an average of $205 per month for liability-only auto insurance and $344 for full coverage.
Getting competitive car insurance rates after a DUI is still possible, but you might need to work with a company specializing in high-risk coverage. Here are some of the cheapest insurance companies for St. Louis drivers with DUIs on their records.
The below rates in Saint Louis, MO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $88 | $124 |
| Progressive | $98 | $134 |
| State Farm | $103 | $146 |
| Root | $126 | $180 |
| Safeco | $131 | $199 |
| National General | $135 | $191 |
| Allstate | $140 | $198 |
| Bristol West | $148 | $209 |
| Direct Auto | $151 | $214 |
| GEICO | $152 | $214 |
| Clearcover | $155 | $219 |
| American Family | $174 | $246 |
| The General | $182 | $257 |
| GAINSCO | $188 | $266 |
| Liberty Mutual | $228 | $322 |
| Shelter | $231 | $329 |
| Nationwide | $245 | $346 |
| Auto-Owners | $254 | $359 |
| Travelers | $255 | $361 |
Disclaimer: Table data sourced from real-time Saint Louis car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Louis may vary based on the policy buyer's unique driver profile.
)
How Long Does a DUI Stay on Your Record?
Cheapest car insurance for seniors: USAA
Age is another factor that affects car insurance rates, and its effect changes as drivers age. Teenage drivers are usually more expensive to insure, but rates drop in adulthood around age 35. After that, drivers benefit from some of the cheapest car insurance rates until age 70, when average rates increase again.
Senior drivers in St. Louis pay an average of $126 per month for liability-only auto insurance and $211 for full coverage. The following insurers offer the cheapest monthly car insurance quotes for senior drivers in St. Louis.
The below rates in Saint Louis, MO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $128 | $70 |
| State Farm | $146 | $80 |
| Progressive | $158 | $82 |
| National General | $203 | $104 |
| Safeco | $204 | $113 |
| Allstate | $206 | $112 |
| Root | $210 | $104 |
| GEICO | $218 | $119 |
| Direct Auto | $221 | $120 |
| Clearcover | $252 | $134 |
| American Family | $252 | $137 |
| Liberty Mutual | $292 | $188 |
| Shelter | $297 | $162 |
| Bristol West | $304 | $121 |
| Nationwide | $338 | $185 |
| The General | $339 | $151 |
| GAINSCO | $361 | $157 |
| Auto-Owners | $363 | $198 |
| Travelers | $368 | $201 |
Disclaimer: Table data sourced from real-time Saint Louis car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Louis may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teenage drivers are some of the most expensive drivers to insure due to inexperience and the fact that they’re more likely to engage in dangerous driving.
Teen drivers in St. Louis pay an average of $277 per month for liability-only auto insurance and $465 for full coverage.
Teens still have ways to reduce the cost, though. Consider insuring your teenager on the family insurance plan, choosing a car with maximum safety features, and asking about good student discounts.
The following insurers are the best options for teen drivers in St. Louis.
The below rates in Saint Louis, MO, are estimated rates current as of: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $299 | $164 |
| Progressive | $347 | $181 |
| State Farm | $369 | $201 |
| Root | $443 | $220 |
| Safeco | $482 | $266 |
| Clearcover | $485 | $257 |
| GEICO | $502 | $274 |
| Allstate | $512 | $279 |
| National General | $535 | $276 |
| Direct Auto | $541 | $294 |
| American Family | $610 | $332 |
| Liberty Mutual | $631 | $405 |
| Bristol West | $668 | $266 |
| The General | $722 | $321 |
| GAINSCO | $800 | $348 |
| Shelter | $846 | $462 |
| Nationwide | $884 | $483 |
| Auto-Owners | $940 | $513 |
| Travelers | $977 | $533 |
Disclaimer: Table data sourced from real-time Saint Louis car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Saint Louis may vary based on the policy buyer's unique driver profile.
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St. Louis car insurance quotes by credit tier
Insurers in Missouri consider credit history as another risk factor and use it when determining rates. Because of that, your credit score affects your car insurance rates in St. Louis. The higher your credit score, the lower your car insurance premium.
Drivers with excellent or good credit scores typically pay lower rates than drivers with poor credit scores. Below, you can see just how much your credit tier can affect your car insurance rates in St. Louis.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in St. Louis?
The average cost of car insurance in St. Louis is $201 per month. Compared to the national average of $136 per month, drivers in St. Louis pay more for car insurance.
Your location affects your car insurance rates, especially if your ZIP code is in a densely populated city. Even where you park your car — including if you park in a garage or on the street — affects how much you pay.
More cities in Missouri
Most accidents occur in cities or towns, so drivers living in rural areas might pay less. As the second-largest city in the state, St. Louis drivers typically pay more for car insurance.[7]
Here’s how car insurance rates in St. Louis compare to other cities in the state.
City | Full Coverage | Liability Only |
|---|---|---|
| Cape Girardeau | $174 | $92 |
| Columbia | $156 | $90 |
| Independence | $185 | $111 |
| Jefferson City | $140 | $82 |
| Joplin | $148 | $82 |
| Kansas City | $198 | $123 |
| Springfield | $162 | $99 |
Disclaimer: Table data is based on real-time Saint Louis quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
St. Louis car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about car insurance in St. Louis.
How much is car insurance in St. Louis?
Car insurance in St. Louis costs $201 per month, on average. Drivers pay an average of $150 per month for liability-only car insurance and $252 per month for full coverage.
Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
Which company has the cheapest car insurance in St. Louis?
USAA has the cheapest car insurance in St. Louis, with monthly liability rates as low as $88. Progressive and State Farm also offer affordable coverage, with respective monthly liability rates of $98 and $103.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in St. Louis?
With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in St. Louis. Of the insurers Insurify has rate data for, other top St. Louis insurers include USAA and American Family.
How much is car insurance in Missouri per month?
Missouri drivers pay an average of $130 per month for car insurance. They pay $90 per month for liability coverage and $169 per month for full coverage.
Which type of auto insurance is required in Missouri?
Liability auto insurance and uninsured/underinsured motorist coverage are required in Missouri. Drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability insurance, and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- United State Census Bureau. "St. Louis city, Missouri."
- Missouri Economic Research and Information Center. "Cost of Living Data Series."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Missouri Department of Commerce & Insurance. "Consumer Guide to Auto Insurance."
- Missouri Department of Insurance. "Auto Insurance FAQs."
- Missouri Department of Revenue. "Tickets and Points FAQs."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Taylor Milam-Samuel Insurance Writer
Taylor Milam-Samuel is a writer and credentialed educator who’s fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Taylor has been a contributor at Insurify since February 2023. She’s passionate about giving readers the information and empowerment they need to make confident insurance decisions.
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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