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.
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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Car insurance policies in St. Louis cost an average of $251 per month — considerably more than the national average of $160 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, State Farm, and Allstate have the cheapest car insurance in St. Louis.
St. Louis drivers pay monthly averages of $167 for liability-only coverage and $335 for full coverage.
Full-coverage policies cost St. Louis drivers an average of $4,023 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
$67
$35
Cheap rates
USAA
9.4
$56
$30
Military families
American Family
9.1
$113
$59
Accident forgiveness
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.
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 28,000 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.
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.
$53/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.
$101/mo
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
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
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.
9.4/10
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.
$45/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.
$85/mo
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
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
…
Best insurer for accident forgiveness: American Family
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.
$89/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.
$171/mo
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
Outstanding customer service, but the rates are high.
Kathy - July 22, 2024
Verified
My American Family Experience
It's been wonderful. However, the premiums have become too high. I would have stayed if not for this. I had been with them for over 20 years.
Shannon - July 15, 2024
Verified
Needs Better Office Management
The agent I was assigned to, after my previous agent left, lacked professionalism and bedside manners. However, the corporate office was great to work with.
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.
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Liability rates start at $45 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 $167 per month. Here are the insurance companies with the cheapest liability rates in St. Louis.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
$45
State Farm
$53
Allstate
$71
GEICO
$79
American Family
$89
Clearcover
$106
Progressive
$109
Safeco
$112
Shelter
$118
Nationwide
$126
Auto-Owners
$130
State Auto
$132
Travelers
$132
Midvale Home & Auto
$139
Direct Auto
$141
Liberty Mutual
$145
National General
$151
AssuranceAmerica
$171
GAINSCO
$171
The General
$175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $335 per month for full-coverage auto insurance. The following insurers offer the best full-coverage rates in St. Louis.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
$85
State Farm
$101
Allstate
$136
GEICO
$150
American Family
$171
Safeco
$192
Progressive
$207
Clearcover
$218
Shelter
$225
Nationwide
$240
Auto-Owners
$248
Travelers
$249
Midvale Home & Auto
$251
State Auto
$298
Direct Auto
$316
National General
$318
Liberty Mutual
$334
AssuranceAmerica
$342
GAINSCO
$413
The General
$434
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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 $56 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 $238 per month for liability-only auto insurance and $478 for full coverage.
Here are the cheapest insurance companies in St. Louis for drivers with speeding tickets.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
USAA
$45
$58
State Farm
$53
$68
Allstate
$71
$92
GEICO
$79
$103
American Family
$89
$115
Clearcover
$106
$139
Progressive
$109
$142
Safeco
$112
$148
Shelter
$118
$160
Nationwide
$126
$165
Auto-Owners
$130
$170
State Auto
$132
$186
Travelers
$132
$173
Midvale Home & Auto
$139
$187
Direct Auto
$141
$184
Liberty Mutual
$145
$207
National General
$151
$196
AssuranceAmerica
$171
$226
GAINSCO
$171
$244
The General
$175
$230
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $251 per month for liability-only auto insurance and $503 for full coverage. Here are the best insurance companies for St. Louis drivers with at-fault accidents.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
USAA
$45
$62
State Farm
$53
$72
Allstate
$71
$97
GEICO
$79
$109
American Family
$89
$122
Clearcover
$106
$155
Progressive
$109
$152
Safeco
$112
$150
Shelter
$118
$168
Nationwide
$126
$175
Auto-Owners
$130
$178
State Auto
$132
$198
Travelers
$132
$182
Midvale Home & Auto
$139
$202
Direct Auto
$141
$198
Liberty Mutual
$145
$217
National General
$151
$209
AssuranceAmerica
$171
$235
GAINSCO
$171
$226
The General
$175
$245
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $284 per month for liability-only auto insurance and $570 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
USAA
$45
$76
State Farm
$53
$90
Allstate
$71
$120
GEICO
$79
$134
American Family
$89
$151
Clearcover
$106
$179
Progressive
$109
$184
Safeco
$112
$190
Shelter
$118
$200
Nationwide
$126
$213
Auto-Owners
$130
$220
State Auto
$132
$223
Travelers
$132
$223
Midvale Home & Auto
$139
$235
Direct Auto
$141
$239
Liberty Mutual
$145
$245
National General
$151
$256
AssuranceAmerica
$171
$289
GAINSCO
$171
$289
The General
$175
$296
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $117 per month for liability-only auto insurance and $235 for full coverage. The following insurers offer the cheapest monthly car insurance quotes for senior drivers in St. Louis.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
USAA
$63
$33
State Farm
$72
$38
Allstate
$101
$53
GEICO
$111
$58
American Family
$123
$64
Progressive
$136
$71
Safeco
$145
$85
Shelter
$145
$76
Clearcover
$162
$79
Nationwide
$165
$87
Midvale Home & Auto
$177
$98
Auto-Owners
$180
$94
Travelers
$180
$96
State Auto
$210
$93
Direct Auto
$226
$101
National General
$229
$109
AssuranceAmerica
$238
$119
Liberty Mutual
$249
$108
GAINSCO
$316
$131
The General
$327
$132
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $305 per month for liability-only auto insurance and $612 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
USAA
$143
$76
State Farm
$173
$91
GEICO
$239
$126
Allstate
$241
$126
American Family
$302
$157
Progressive
$377
$199
Shelter
$390
$205
Safeco
$401
$234
Nationwide
$416
$218
Clearcover
$427
$208
Auto-Owners
$430
$225
Midvale Home & Auto
$437
$242
Travelers
$453
$240
State Auto
$534
$237
Direct Auto
$581
$259
National General
$619
$294
Liberty Mutual
$620
$269
AssuranceAmerica
$641
$320
The General
$709
$286
GAINSCO
$740
$306
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $251 per month. Compared to the national average of $160 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.
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.
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 $251 per month, on average. Drivers pay an average of $167 per month for liability-only car insurance and $335 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 $45. State Farm and Allstate also offer affordable coverage, with respective monthly liability rates of $53 and $71.
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 $166 per month for car insurance. They pay $98 per month for liability coverage and $235 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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Taylor Milam-Samuel is a writer and credentialed educator who is 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.
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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State Farm
USAA
American Family)
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