Compare St. James, MO Car Insurance Rates (2021)

Car insurance in St. James, MO averages $260 a month. St. James, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap St. James car insurance rates, compare quotes from the top car insurance companies in St. James, MO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in St. James is Nationwide
  • Average car insurance rates in St. James, MO after a DUI are $3,657/year
  • The cheapest car insurance company in St. James for teen drivers is Nationwide

If you need to buy St. James, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in St. James, MO is right here.

You’ll find St. James car insurance rates, the cheapest St. James, MO car insurance companies, and information on Missouri car insurance laws. You can also compare St. James, Missouri car insurance rates to Columbia car insurance rates, St. Louis car insurance rates, and Blue Springs car insurance rates.

Ready to find affordable St. James, MO car insurance today? Enter your ZIP code for fast, free St. James car insurance quotes.

Cheapest St. James, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect St. James, MO car insurance rates? Every St. James, Missouri car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in St. James, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,716 $2,637 $2,437 $2,515 $7,369 $7,979 $2,618 $2,710
American Family $1,974 $1,974 $1,759 $1,759 $5,380 $6,991 $1,974 $2,311
Farmers $2,269 $2,260 $2,027 $2,145 $9,305 $9,626 $2,593 $2,719
GEICO $1,807 $2,043 $1,395 $1,808 $5,797 $6,163 $1,634 $1,647
Liberty Mutual $2,621 $2,841 $2,160 $2,423 $9,039 $10,037 $2,761 $2,943
Nationwide $1,388 $1,417 $1,244 $1,316 $3,553 $4,540 $1,587 $1,713
Progressive $1,870 $1,719 $1,529 $1,579 $6,211 $6,953 $2,267 $2,298
State Farm $1,435 $1,435 $1,285 $1,285 $4,187 $5,268 $1,615 $1,851
USAA $1,556 $1,542 $1,404 $1,428 $4,603 $5,620 $1,932 $2,146

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Minimum Car Insurance in St. James, MO

Every driver must carry the minimum car insurance in St. James, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in St. James, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest St. James, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in St. James, MO. Compare credit history car insurance rates in St. James from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in St. James, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $3,935 $2,773 $2,337
Farmers $4,707 $3,919 $3,727
GEICO $3,847 $2,507 $2,006
Liberty Mutual $6,241 $3,814 $3,004
Nationwide $2,469 $2,041 $1,774
Progressive $3,542 $2,926 $2,692
State Farm $3,162 $2,048 $1,675
USAA $4,206 $1,968 $1,413

Cheapest St. James, MO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in St. James, MO to rates for a clean record with top companies.

Annual St. James, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,338 $3,753 $4,637 $3,763
American Family $2,254 $3,272 $3,963 $2,573
Farmers $3,564 $4,425 $4,328 $4,155
GEICO $2,141 $2,818 $3,851 $2,337
Liberty Mutual $3,165 $4,540 $4,679 $5,029
Nationwide $1,645 $2,112 $2,821 $1,801
Progressive $2,635 $3,552 $2,929 $3,098
State Farm $2,106 $2,484 $2,295 $2,295
USAA $2,029 $2,462 $3,409 $2,217

Cheapest St. James, MO Car Insurance for Teen Drivers

Teen car insurance in St. James, MO can be expensive. Take a look at rates from the top car insurance companies in St. James for teenagers.

Annual Car Insurance Rates for Teen Drivers in St. James, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,380 $6,991
Farmers $9,305 $9,626
GEICO $5,797 $6,163
Liberty Mutual $9,039 $10,037
Nationwide $3,553 $4,540
Progressive $6,211 $6,953
State Farm $4,187 $5,268
USAA $4,603 $5,620

Cheapest St. James, MO Car Insurance for Seniors

Take a look at St. James, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in St. James, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,759 $1,759
Farmers $2,027 $2,145
GEICO $1,395 $1,808
Liberty Mutual $2,160 $2,423
Nationwide $1,244 $1,316
Progressive $1,529 $1,579
State Farm $1,285 $1,285
USAA $1,404 $1,428

Cheapest St. James, MO Car Insurance Rates After a DUI

A DUI in St. James, MO increases car insurance rates. Compare St. James, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in St. James, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $3,963
Farmers $4,328
GEICO $3,851
Liberty Mutual $4,679
Nationwide $2,821
Progressive $2,929
State Farm $2,295
USAA $3,409

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Cheapest St. James, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in St. James, MO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in St. James, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $3,873
American Family $2,985 $3,045
Farmers $4,118 $4,118
GEICO $2,737 $2,837
Liberty Mutual $4,353 $4,353
Nationwide $2,095 $2,095
Progressive $3,053 $3,053
State Farm $2,240 $2,351
USAA $2,437 $2,620

The Best Cheap Car Insurance Companies in St. James, MO

Take a look at a side-by-side comparison of the top car insurance companies in St. James, MO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in St. James, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $3,015
Farmers $4,118
GEICO $2,787
Liberty Mutual $4,353
Nationwide $2,095
Progressive $3,053
State Farm $2,295
USAA $2,529

Category Winners: Cheapest Car Insurance in St. James, Missouri

Find the cheapest car insurance companies in St. James, MO for each category right here.

Best Annual Car Insurance Rates by Company in St. James, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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Cheapest St. James, MO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your St. James car insurance rates. Find the cheapest St. James, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in St. James, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $2,927 $3,111 $3,008
Farmers $3,866 $4,080 $4,408
GEICO $2,613 $2,806 $2,941
Liberty Mutual $4,107 $4,376 $4,576
Nationwide $1,973 $2,113 $2,198
Progressive $2,702 $3,062 $3,396
State Farm $2,155 $2,303 $2,428
USAA $2,414 $2,520 $2,654

What affects car insurance rates in St. James, Missouri?

What factors can have an impact on St. James, MO car insurance? There are several reasons why St. James car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in St. James, Missouri.

Commute Time in St. James

The more time you spend in your car the higher the risk of an accident. The average commute length in St. James, MO is 21.5 minutes according to City-Data.

Compare Car Insurance Quotes in St. James, MO

Ready to find affordable St. James, Missouri car insurance today? Enter your ZIP code for fast, free St. James, MO car insurance quotes.

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