Cheapest Auto Insurance in St. Louis, Missouri (2024)

USAA offers the cheapest car insurance in St. Louis, with minimum-coverage policies as low as $44 per month.

Taylor Milam-Samuel
Taylor Milam-Samuel
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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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Danny Smith
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Danny Smith
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  • 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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Updated June 12, 2024

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Cheapest recent rates near Saint Louis, Missouri

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $66/mo for full coverage in Saint Louis and other Missouri cities.

*Quotes generated for Insurify users in and around Saint Louis, Missouri within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance policies in St. Louis cost an average of $260 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 $168 for liability-only coverage and $351 for full coverage.

  • Full-coverage policies cost St. Louis drivers an average of $4,207 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$66$35Cheap rates
USAA4.7$56$29Military families
American Family4.5$113$59Accident 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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

Read our State Farm review
Ray - June 11, 2024
Verified

Took months to get an adjuster for my water leak in the house

Find someone else.

George - June 11, 2024
Verified

Thinking about Switching

Shop around, the prices could be better.

Lawrence - June 11, 2024
Verified

Feels Like Someone's Watching Me, I'm Not Switching

Where did you get the idea that I was switching? That's untrue. I'm in good standing with my current insurance company.

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$44/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

  • 24/7 customer phone support not available

Read our USAA review
Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Margaret - June 8, 2024
Verified

Very Happy Customer

My experience has been very good, so I would definitely recommend this company to anyone who qualifies for coverage.

Larry - June 8, 2024
Verified

Fantastic

It's great and cheaper than any other insurance companies.

Best insurer for accident forgiveness: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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

Read our American Family review
Jaocb - June 10, 2024
Verified

Excellent

Don't let them pressure you into extra things.

Patrick - June 4, 2024
Verified

Getting Too Expensive

The premiums have doubled in less than four years - that's disappointing.

Chris - June 3, 2024
Verified

It's Good

They are great, just the price is a little high for me.
Top 10 Cheapest Car Insurance Companies for June 2024

Top 10 Cheapest Car Insurance Companies for June 2024

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 $44 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 $168 per month. Here are the insurance companies with the cheapest liability rates in St. Louis.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA44
State Farm53
Allstate71
GEICO77
American Family89
Safeco95
Clearcover104
Progressive107
Shelter118
Nationwide124
Auto-Owners128
Travelers130
State Auto132
Midvale Home & Auto136
Liberty Mutual141
Direct Auto144
National General157
GAINSCO159
AssuranceAmerica169
The General169
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 $351 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA85
State Farm101
Allstate136
GEICO150
American Family171
Safeco177
Clearcover207
Progressive207
Shelter225
Nationwide233
Midvale Home & Auto245
Auto-Owners248
Travelers249
State Auto295
Liberty Mutual317
Direct Auto330
AssuranceAmerica333
National General361
GAINSCO379
The General419
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.

Recent Insurify quotes for Saint Louis, Missouri drivers

Drivers in and around Saint Louis, Missouri have found policies from AssuranceAmerica, Progressive, Foremost, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Saint Louis, Missouri within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 12, 2024. 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:

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance provides financial protection if your car sustains damage due to something other than a collision, including theft, fire, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you’re at fault for an accident, collision insurance protects you financially.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    This pays for repairs if your windshield or windows are shattered or damaged. It’s usually a supplemental policy.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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 $55 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 $243 per month for liability-only auto insurance and $507 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA4457
State Farm5369
Allstate7192
GEICO77101
American Family89116
Safeco95126
Clearcover104137
Progressive107140
Shelter118160
Nationwide124163
Auto-Owners128167
Travelers130171
State Auto132187
Midvale Home & Auto136184
Liberty Mutual141203
Direct Auto144189
National General157200
GAINSCO159229
AssuranceAmerica169225
The General169223
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 $252 per month for liability-only auto insurance and $527 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA4460
State Farm5372
Allstate7197
GEICO77106
American Family89121
Safeco95126
Clearcover104151
Progressive107149
Shelter118168
Nationwide124171
Auto-Owners128175
Travelers130179
State Auto132199
Midvale Home & Auto136197
Liberty Mutual141211
Direct Auto144202
National General157215
GAINSCO159211
AssuranceAmerica169232
The General169236
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 $286 per month for liability-only auto insurance and $597 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA4475
State Farm5390
Allstate71120
GEICO77130
American Family89151
Safeco95161
Clearcover104176
Progressive107181
Shelter118200
Nationwide124210
Auto-Owners128217
Travelers130220
State Auto132224
Midvale Home & Auto136230
Liberty Mutual141239
Direct Auto144244
National General157266
GAINSCO159269
AssuranceAmerica169286
The General169286
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.
How Long Does a DUI Stay on Your Record?

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 $115 per month for liability-only auto insurance and $241 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA6232
State Farm7137
Allstate10052
GEICO10956
American Family12163
Safeco13170
Progressive13469
Shelter14275
Clearcover15176
Nationwide15884
Midvale Home & Auto17094
Auto-Owners17791
Travelers17893
State Auto20793
AssuranceAmerica229116
Liberty Mutual230102
Direct Auto232101
National General264115
GAINSCO284119
The General313126
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 $307 per month for liability-only auto insurance and $641 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA14274
State Farm17290
GEICO238122
Allstate240125
American Family302157
Safeco371199
Progressive377195
Shelter390205
Nationwide401213
Clearcover405203
Midvale Home & Auto429238
Auto-Owners430222
Travelers451236
State Auto527236
Liberty Mutual592263
Direct Auto606264
AssuranceAmerica622316
GAINSCO682286
National General684298
The General684276
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.
The 10 Best and Worst Car Insurance Comparison Sites for 2024

The 10 Best and Worst Car Insurance Comparison Sites for 2024

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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 $260 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.

CityFull CoverageLiability Only
Cape Girardeau$216$103
Columbia$216$89
Independence$262$122
Jefferson City$200$80
Joplin$197$84
Kansas City$291$131
Springfield$211$101
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 $260 per month, on average. Drivers pay an average of $168 per month for liability-only car insurance and $351 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 $44. 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 4.6 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 $170 per month for car insurance. They pay $98 per month for liability coverage and $242 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.

Sources

  1. United State Census Bureau. "St. Louis city, Missouri."
  2. Missouri Economic Research and Information Center. "Cost of Living Data Series."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Missouri Department of Commerce & Insurance. "Consumer Guide to Auto Insurance."
  5. Missouri Department of Insurance. "Auto Insurance FAQs."
  6. Missouri Department of Revenue. "Tickets and Points FAQs."
  7. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Taylor Milam-Samuel
Taylor Milam-Samuel

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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • 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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