120+ more*Quotes generated for Insurify users in and around Saint Louis, Missouri within the last 10 days. Last updated on May 11, 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 May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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USAA offers the most affordable car insurance in St. Louis, on average.
St. Louis drivers pay much higher average rates than the rest of Missouri and the national average for car insurance.
In 2025, St. Louis ranked No. 25 in the nation for vehicle thefts by volume, which may partly explain the city’s high average premiums.
The average cost of state-minimum liability coverage in St. Louis is $137 per month, while full-coverage insurance costs an average of $258 per month. This is higher than the statewide average premiums of $92 for liability coverage and $180 for full coverage.
Drivers in St. Louis pay higher average insurance premiums compared to most Missouri cities, including Kansas City. These two major cities, located on opposite sides of Missouri, are both vulnerable to earthquakes and tornadoes. Kansas City is a larger city than St. Louis, and it experiences higher rates of vehicle theft.
But St. Louis sits at the center of five intersecting interstate highways and several state highways, which may increase the area’s accident risk.
In the table below, see how the average monthly car insurance costs in St. Louis compare to the statewide average rates in Missouri.
Car Insurance Costs in St. Louis vs. Missouri  | Average Monthly Quote |
|---|---|
| St. Louis average | $198 |
| Missouri average | $136 |
USAA is the cheapest liability-only car insurance company in St. Louis, with an average premium of $66 per month.
If you want an auto policy with more than just the minimum coverage limits, USAA is the cheapest full-coverage car insurance company in St. Louis. A full-coverage policy from USAA costs an average of $129 per month in St. Louis.
Insurify Car makes it affordable and easy to get same-day liability coverage
St. Louis is the second-largest city in Missouri, but St. Louis drivers pay the highest insurance premiums in the state. Understanding St. Louis driving behavior and hazards can help you better understand the cost of your auto policy.
Here’s what you need to know:
Uninsured motorists: Missouri ranks No. 6 in the U.S. for its uninsured motorist population, with an estimated 21% of drivers getting behind the wheel without proper insurance coverage. The state requires all drivers to have a minimum amount of uninsured motorist coverage, but it may be worth increasing the limits for more protection.[1]
Major interstate highways: I-70, I-55, I-64, and I-44 all run through St. Louis, and I-270 and I-255 border the city. Traffic and commuters on these thoroughfares can cause congestion and accidents, both on the highways themselves and on surface streets. The average one-way travel time to work in St. Louis is 22.1 minutes.[2]
College students: St. Louis is home to multiple colleges and universities, including the University of Missouri–St. Louis, Saint Louis University, and Washington University. Just these three schools boast an undergraduate enrollment of nearly 31,000. A large number of young and inexperienced drivers are on the road during the academic year.
Missouri is No. 6 in the nation for vehicle thefts, and St. Louis ranks No. 25 among cities for stolen cars in 2025, according to data from the National Insurance Crime Bureau. St. Louis recorded nearly 7,000 stolen vehicles in 2024 and more than 2,6000 vehicles in the first two quarters of 2025.
Even if you’ve never had your car stolen in St. Louis, the risk of car theft and vandalism in your area can affect the cost of your auto policy. Because of vehicle theft trends in St. Louis, your insurance company may consider you a higher risk to insure if you live in the area.
Despite being the second-largest city in Missouri, St. Louis has the highest car insurance rates in the state. Jefferson City, which is about two hours away by car, has the cheapest car insurance coverage in the state.
St. Louis’ higher car insurance rates are likely due to factors like the density of interstates in and around the city and the high rate of car theft and vandalism. All these factors can increase the cost of your auto insurance policy as insurers account for added risk.
In the table below, you’ll find the average monthly car insurance quotes for St. Louis and other major cities in Missouri.
City | Average Monthly Quote |
|---|---|
| Columbia | $121 |
| Independence | $147 |
| Jefferson City | $111 |
| Joplin | $114 |
| Kansas City | $161 |
| St. Louis | $198 |
| Springfield | $123 |
At about 62 square miles, St. Louis is a large city geographically, with multiple interstate highways, including Interstate 70, I-55, I-64, and I-44. St. Louis drivers have an average daily commute of 22.1 minutes, as residents must navigate a large geographical area with multiple busy thoroughfares during rush hour.
But St. Louis residents have to worry about more than just daily traffic issues. A regular influx of sports fans drive into the city to cheer on the Cardinals, Blues, Battlehawks, and St. Louis City SC.
On game days, drivers can encounter lots of traffic congestion on the way downtown, increasing the chance of accidents and risks of intoxicated people leaving stadiums. It’s a good idea to keep an eye on the various teams’ schedules to avoid finding yourself stuck in unnecessary traffic.
Traffic congestion in St. Louis can affect your auto insurance quote, even if your driving history is clean and you practice safe driving.
Several factors contribute to the high cost of car insurance in St. Louis compared to the Missouri state average and the national average.
St. Louis is vulnerable to severe weather, including hail, tornadoes, and flooding, which can all cause significant damage and affect average auto insurance rates.[3]
Also, the city has high rates of both vehicle theft and vandalism. St. Louis ranks No. 25 for U.S. cities with the most vehicle theft, which insurers will most likely account for when determining your premiums.
Finally, Missouri has a high rate of uninsured motorists and requires drivers to purchase a minimum amount of uninsured motorist coverage. The City of St. Louis Department of Public Safety created a program to combat uninsured drivers, suggesting uninsured motorists are also a major issue in the city.[4]
USAA has the cheapest liability coverage for St. Louis drivers. This insurer has auto insurance rates averaging $66 per month.
Missouri law requires all drivers to have the state’s minimum coverage liability insurance, including $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $25,000 in property damage liability coverage.
To meet Missouri car insurance regulations, you also have to have uninsured/underinsured motorist coverage that will pay for bodily injury liability if you’re in an accident with a driver who doesn’t have the minimum coverage.
In the following table, you’ll find the cheapest rates for liability-only coverage in St. Louis.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $66 |
| Progressive | $73 |
| State Farm | $78 |
| Allstate | $106 |
| Safeco | $106 |
| National General | $109 |
| Root | $110 |
| Clearcover | $111 |
| GEICO | $116 |
| Direct Auto | $120 |
| Bristol West | $125 |
| American Family | $132 |
| Dairyland | $133 |
| The General | $133 |
| GAINSCO | $147 |
| Liberty Mutual | $157 |
| Shelter | $175 |
| Nationwide | $185 |
| Auto-Owners | $191 |
| Travelers | $194 |
USAA is the cheapest full-coverage auto insurance company in St. Louis, with rates averaging $129 per month.
Full-coverage insurance with comprehensive and collision coverage might be the right car insurance for you. A liability-only auto insurance policy doesn’t cover St. Louis’ high rates of car theft and vandalism. If you’re not sure if you need full-coverage auto insurance, call your insurance agency to see which type of policy will best fit your needs.
Here are the cheapest rates for full-coverage auto insurance in St. Louis.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $129 |
| Progressive | $135 |
| State Farm | $153 |
| Safeco | $179 |
| National General | $199 |
| Root | $202 |
| Allstate | $205 |
| Direct Auto | $223 |
| GEICO | $224 |
| Clearcover | $242 |
| American Family | $258 |
| Liberty Mutual | $265 |
| Bristol West | $290 |
| GAINSCO | $330 |
| Shelter | $340 |
| Nationwide | $361 |
| The General | $364 |
| Auto-Owners | $374 |
| Travelers | $375 |
| Dairyland | $408 |
*Quotes generated for Insurify users in and around Saint Louis, Missouri within the last 10 days. Last updated on May 11, 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 May 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
St. Louis drivers face fines between $60 and $155 for speeding, depending on the clocked speed.
A total of 3.2% of St. Louis drivers have a speeding ticket, according to Insurify data. USAA is the cheapest car insurance company in St. Louis for drivers with a speeding ticket. Though you’ll likely see an increase in car insurance costs after a ticket, you can still find affordable coverage in St. Louis.
The table below lists the cheapest liability insurance quotes companies for St. Louis drivers with a ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $85 |
| Progressive | $90 |
| State Farm | $98 |
| National General | $135 |
| Allstate | $137 |
| Safeco | $139 |
| Clearcover | $141 |
| Root | $146 |
| Direct Auto | $150 |
| GEICO | $151 |
| Bristol West | $157 |
| Dairyland | $165 |
| American Family | $170 |
| GAINSCO | $175 |
| The General | $177 |
| Liberty Mutual | $199 |
| Shelter | $231 |
| Nationwide | $239 |
| Auto-Owners | $248 |
| Travelers | $251 |
If you have an at-fault accident on your driving record, USAA is the cheapest car insurance company in St. Louis. Insurify data shows that about 4.5% of St. Louis drivers have an at-fault accident in their driving history, which can make it more difficult to find affordable car insurance.
Missouri is a pure comparative fault state, meaning drivers can be at fault for a percentage of an accident. Because of that, your damages will decrease based on your percentage of fault. After Missouri drivers file a claim, insurance companies can investigate the accident and determine each party’s percentage of fault.
The table below lists the cheapest liability insurance quotes for St. Louis drivers with an at-fault accident on their records.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $88 |
| Progressive | $96 |
| State Farm | $103 |
| Allstate | $142 |
| National General | $145 |
| Safeco | $147 |
| Root | $148 |
| GEICO | $152 |
| Clearcover | $158 |
| Direct Auto | $163 |
| Bristol West | $164 |
| Dairyland | $175 |
| American Family | $177 |
| The General | $182 |
| GAINSCO | $188 |
| Liberty Mutual | $208 |
| Shelter | $237 |
| Nationwide | $248 |
| Auto-Owners | $252 |
| Travelers | $261 |
If you have a DUI or DWI on your driving record, USAA offers the cheapest car insurance quotes in St. Louis, on average. For the 0.6% of St. Louis drivers with a driving under the influence (DUI) conviction, it can be tough to find insurance coverage, since every insurance company considers a DUI to be high-risk driving behavior.
Missouri treats DUIs and DWIs as high-risk driving behavior, assigning eight points to your license for a first offense and 12 points for subsequent violations.[5]
But just because it can be difficult to find affordable car insurance after a DUI doesn’t mean it’s impossible.
The table below shows average liability quotes from the cheapest St. Louis insurers for drivers with a DUI conviction.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $90 |
| Progressive | $94 |
| State Farm | $107 |
| Allstate | $145 |
| National General | $149 |
| Root | $152 |
| Clearcover | $152 |
| Safeco | $154 |
| GEICO | $157 |
| Direct Auto | $164 |
| Bristol West | $171 |
| American Family | $171 |
| The General | $175 |
| Dairyland | $182 |
| GAINSCO | $201 |
| Liberty Mutual | $214 |
| Shelter | $241 |
| Nationwide | $253 |
| Auto-Owners | $261 |
| Travelers | $265 |
Teen drivers typically pay the highest rates of any age demographic since they’re inexperienced behind the wheel — $238 per month for liability policies and $448 for full coverage.
The population of St. Louis skews slightly younger, with 18% of the nearly 280,000 residents younger than 18. St. Louis teens can get an instruction permit at age 15, an intermediate license at 16, and a full, unrestricted driver’s license by 18.
You can find the cheapest auto insurance quotes for teen drivers in St. Louis in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $119 |
| Progressive | $127 |
| State Farm | $149 |
| Clearcover | $178 |
| Root | $187 |
| GEICO | $205 |
| Allstate | $206 |
| Safeco | $211 |
| National General | $214 |
| Bristol West | $217 |
| Dairyland | $226 |
| Direct Auto | $228 |
| The General | $234 |
| American Family | $245 |
| GAINSCO | $257 |
| Liberty Mutual | $269 |
| Shelter | $343 |
| Nationwide | $354 |
| Auto-Owners | $381 |
| Travelers | $397 |
Average liability quotes start at $66/mo.
USAA offers the cheapest car insurance quotes, on average, for the 16% of St. Louis residents 65 and older. On average, senior drivers in St. Louis pay $168 per month for car insurance.
You can consider other cheap car insurance companies for senior drivers in St. Louis in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $53 |
| State Farm | $61 |
| Progressive | $62 |
| National General | $85 |
| Allstate | $85 |
| Root | $91 |
| GEICO | $91 |
| Safeco | $92 |
| Direct Auto | $97 |
| Clearcover | $97 |
| Bristol West | $103 |
| American Family | $104 |
| Dairyland | $112 |
| The General | $112 |
| Shelter | $123 |
| GAINSCO | $125 |
| Liberty Mutual | $129 |
| Nationwide | $140 |
| Auto-Owners | $149 |
| Travelers | $153 |
If you’re looking for the best car insurance at an affordable rate in St. Louis, the answers to the following questions can help.
On average, St. Louis drivers pay $198 per month for auto insurance coverage. By coverage level, St. Louis drivers pay $137 per month for liability coverage and $258 per month for full coverage. You may pay more or less than the city average, since costs depend on your deductible, driving record, location, credit history, and more.
St. Louis drivers pay the highest car insurance rates of any major city in Missouri, and Missouri’s average insurance rate is higher than the national average. Depending on what kinds of insurance coverage you need, $200 per month for car insurance may not be an unreasonable rate in St. Louis.
USAA has the lowest average auto insurance quote in St. Louis, with an average monthly rate of $66, according to Insurify data. But your insurance quote may be different depending on your specific circumstances and insurance needs.
St. Louis is vulnerable to tornadoes and flooding, which can affect car insurance rates.
The city also experiences high levels of vehicle theft and vandalism, and Missouri ranks among the highest in the nation for uninsured motorists. Lastly, St. Louis has several major interstates, which means a decent amount of traffic congestion in and around the city, increasing the risk of accidents.
You can use several strategies to lower car insurance premiums, like comparing quotes and increasing your deductible. You should also ask your insurance agent or company about bundling homeowners or renters insurance with your auto insurance coverage. Asking about car insurance discounts like affinity, good student, and driver training savings is also a good idea.
Missouri drivers must maintain minimum coverage liability insurance, including $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 in property damage liability coverage. Drivers also need equal amounts of uninsured motorist bodily injury liability coverage: $25,000 per person and $50,000 per accident.
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:
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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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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