Cheapest Auto Insurance in St. Louis, Missouri (2026)

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.

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	$123	$66	Cheap rates
USAA	9.1	$105	$56	Military families
American Family	9.3	$209	$112	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.

• How Insurify rates insurance companies

  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

Cheap rates

Compare Quotes

User Reviews	4.0 7,200 reviews
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

Hide Details

Driver Reviews

4.0

Best choice in Saint Louis, MOBased on 15,929 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 in Saint Louis 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 in Saint Louis for

Customer service

Competitive rates

Discounts for safe drivers

Showing 43 Missouri reviews for Saint Louis drivers - See all 7,200 State Farm reviews

Joseph

Verified Review

I'm paying almost $700 for a 6-month renewal, while other companies are displaying 6-month renewals as low as $175. Please tell me how this can be. At this point, I am thinking of going to insurance for veterans that give a better rate.

Reviewed in Missouri on February 28, 2026

I'm paying almost $700 for a 6-month renewal, while other companies are displaying 6-month renewals as low as $175. Please tell me how this can be. At this point, I am thinking of going to insurance for veterans that give a better rate.

Marlane

Verified Review

Rates Are Getting High

Reviewed in Missouri on February 27, 2026

They keep changing my rates, and we have had no tickets or accidents. I think our rate is high.

Mark

Verified Review

Go higher with State Farm

Reviewed in Missouri on February 21, 2026

If you can afford a higher deductible, you’ll have a lower premium. Better be a good driver though! 😁

Kenneth

Verified Review

State Farm Insurance Experience

Reviewed in Missouri on February 12, 2026

I had a disappointing experience with State Farm. After my wife had two strokes, I took her off the policy. I was told that my premium would decrease, but instead, it increased by $30.00/month. When I filed a claim for flood damage caused by a water softener unit in my home, they categorized it as sewage backup. They also informed me that mold was not covered by the policy. I am now in the process of switching to a different company. I have been with State Farm for almost 60 years, and I feel dissatisfied with their service.

Richard

Verified Review

Excellent

Reviewed in Missouri on February 5, 2026

Very good but like all insurance, expensive.

Carol

Verified Review

Average

Reviewed in Missouri on January 20, 2026

The agent fee is high, which drives the premium up needlessly. It's difficult to reach the agent in the office at times.

Richard

Verified Review

Feel I Can Do Better

Reviewed in Missouri on January 14, 2026

The rates keep going up, so I wouldn't recommend them.

Patricia

Verified Review

They don't have any excuse why it's this much money

Reviewed in Missouri on January 13, 2026

They started out at $80 and keep raising it. It's now up to $141 and I have had no claims, no violations, or tickets. I'm a senior who doesn't drive even 5 miles a day.

Larry

Verified Review

Good

Reviewed in Missouri on January 2, 2026

Good so far. The price for insurance is okay. All insurance companies' prices are about the same.

Previous

1234…15

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

military families

Compare Quotes

User Reviews	4.9 1,485 reviews
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

Show Details

Driver Reviews

4.9

Best choice in Saint Louis, MOBased on 3,152 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 in Saint Louis 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 in Saint Louis for

Members of the military community

Outstanding customer service

Competitive rates

Showing 4 Missouri reviews for Saint Louis drivers - See all 1,485 USAA reviews

Tammy

Verified Review

Great company

Reviewed in Missouri on January 4, 2026

Low rates, great coverage, and excellent claims assistance.

Stewart

Verified Review

Not satisfied with them at all

Reviewed in Missouri on December 23, 2025

They are supposed to give a military discount, but like the rest, they say they do and don't, and they raise the rate all the time.

Lonnie

Verified Review

Awesome

Reviewed in Missouri on October 3, 2025

Easy and affordable.

Donald

Verified Review

Unsatisfactory Experience for Veterans

Reviewed in Missouri on March 26, 2025

They are unsatisfactory in handling home claims. They seem to side with questionable contractors and don't pay adequate attention to the veterans. Both the claims adjuster and the mitigation company seem dishonest. I had a very negative experience.

Previous

12

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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

accident forgiveness

Compare Quotes

User Reviews	4.5 262 reviews
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

Show Details

Driver Reviews

4.5

Best choice in Saint Louis, MOBased on 584 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 in Saint Louis 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 in Saint Louis for

Outstanding customer service

Flexible coverage options

Families with young drivers

Showing 3 Missouri reviews for Saint Louis drivers - See all 262 American Family reviews

Connie

Verified Review

Coverage could be better

Reviewed in Missouri on April 6, 2025

My car is a 2011 Impala with only 52k miles, yet I am charged $83 for full coverage, which I feel is a bit much. I was also informed that if I don't get a new roof, they will no longer cover any damage that could have been prevented by a new roof. I have no leaks or issues with my current roof.

Bruce

Verified Review

Good

Reviewed in Missouri on April 6, 2025

Occasionally check their rates.

Paul

Verified Review

Very Good Customer Service

Reviewed in Missouri on March 17, 2025

The local agent was very helpful.

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.47

A.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

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

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

Enter your ZIP codeView My Quotes

Excellent

4.7 out of 5 based on 12,558 reviews

Secure. Free. Easy-to-use.

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: Monday, March 9 at 12:00 PM PDT. 

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: Monday, March 9 at 12:00 PM PDT. 

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.

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.

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

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 12,558 reviews

Secure. Free. Easy-to-use.

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 $317 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: Monday, March 9 at 12:00 PM PDT. 

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	$183
Bristol West	$148	$186
Direct Auto	$151	$189
GEICO	$152	$199
Clearcover	$155	$201
American Family	$174	$226
The General	$182	$244
GAINSCO	$188	$224
Liberty Mutual	$228	$290
Shelter	$231	$307
Nationwide	$245	$318
Auto-Owners	$254	$332
Travelers	$255	$332

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 $201 per month for liability-only auto insurance and $337 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: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
USAA	$88	$119
Progressive	$98	$131
State Farm	$103	$137
Root	$126	$169
Safeco	$131	$184
National General	$135	$180
Allstate	$140	$189
Bristol West	$148	$196
Direct Auto	$151	$207
GEICO	$152	$199
Clearcover	$155	$227
American Family	$174	$235
The General	$182	$252
GAINSCO	$188	$242
Liberty Mutual	$228	$305
Shelter	$231	$313
Nationwide	$245	$331
Auto-Owners	$254	$337
Travelers	$255	$345

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 $203 per month for liability-only auto insurance and $341 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: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
USAA	$88	$125
Progressive	$98	$133
State Farm	$103	$146
Root	$126	$180
Safeco	$131	$198
National General	$135	$192
Allstate	$140	$199
Bristol West	$148	$210
Direct Auto	$151	$214
GEICO	$152	$213
Clearcover	$155	$220
American Family	$174	$247
The General	$182	$259
GAINSCO	$188	$267
Liberty Mutual	$228	$324
Shelter	$231	$328
Nationwide	$245	$348
Auto-Owners	$254	$361
Travelers	$255	$362

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 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: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
USAA	$128	$70
State Farm	$146	$80
Progressive	$158	$82
National General	$203	$104
Safeco	$204	$113
Allstate	$205	$112
Root	$209	$104
GEICO	$217	$119
Direct Auto	$221	$120
American Family	$252	$137
Clearcover	$253	$134
Liberty Mutual	$292	$188
Shelter	$296	$162
Bristol West	$304	$121
Nationwide	$338	$184
The General	$339	$151
GAINSCO	$362	$157
Auto-Owners	$362	$198
Travelers	$367	$200

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 $275 per month for liability-only auto insurance and $462 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: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
USAA	$298	$164
Progressive	$345	$180
State Farm	$369	$201
Root	$441	$219
Safeco	$480	$265
Clearcover	$484	$257
GEICO	$500	$273
Allstate	$511	$279
National General	$534	$275
Direct Auto	$538	$292
American Family	$609	$331
Liberty Mutual	$629	$404
Bristol West	$666	$266
The General	$721	$321
GAINSCO	$793	$345
Shelter	$843	$460
Nationwide	$883	$482
Auto-Owners	$940	$514
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.

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.

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