Compare St. Louis, MI Car Insurance Rates (2021)

Car insurance in St. Louis, MI averages $660 a month. St. Louis, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap St. Louis car insurance rates, compare quotes from the top car insurance companies in St. Louis, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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. Louis for teen drivers is USAA
  • Average car insurance rates in St. Louis, MI after a DUI are $13,083/year
  • Average car insurance rates in St. Louis, MI are $7,916/year

If you need to buy St. Louis, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in St. Louis, MI is right here.

You’ll find St. Louis car insurance rates, the cheapest St. Louis, MI car insurance companies, and information on Michigan car insurance laws. You can also compare St. Louis, Michigan car insurance rates to Dearborn car insurance rates, Livonia car insurance rates, and Warren car insurance rates.

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

Cheapest St. Louis, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect St. Louis, MI car insurance rates? Every St. Louis, Michigan 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. Louis, Michigan

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 $12,750 $12,750 $11,776 $11,776 $32,526 $32,526 $13,452 $13,452
Farmers $3,656 $3,656 $3,408 $3,408 $8,040 $8,040 $4,098 $4,098
GEICO $3,608 $3,608 $3,669 $3,669 $10,010 $10,010 $3,449 $3,449
Liberty Mutual $9,771 $9,771 $9,675 $9,675 $22,878 $22,878 $9,771 $9,771
Nationwide $3,909 $3,909 $3,489 $3,489 $9,932 $9,932 $4,266 $4,266
Progressive $2,625 $2,471 $2,322 $2,560 $9,417 $10,108 $3,057 $2,885
State Farm $6,471 $6,471 $5,997 $5,997 $22,519 $22,519 $7,589 $7,589
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,589 $2,444 $2,436 $2,298 $6,179 $5,836 $3,137 $2,997

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Minimum Car Insurance in St. Louis, MI

Every driver must carry the minimum car insurance in St. Louis, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in St. Louis, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest St. Louis, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in St. Louis, Michigan

Insurance Company Poor Fair Good
Allstate $26,626 $14,787 $11,465
Farmers $6,298 $4,208 $3,896
GEICO $6,660 $4,901 $3,991
Liberty Mutual $20,558 $11,906 $6,608
Nationwide $6,773 $5,091 $4,333
Progressive $5,099 $4,300 $3,894
State Farm $17,253 $8,739 $5,941
Travelers $6,813 $6,608 $6,525
USAA $5,219 $2,984 $2,266

Cheapest St. Louis, MI 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. Louis, MI to rates for a clean record with top companies.

Annual St. Louis, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $8,682 $11,526 $38,214 $12,081
Farmers $4,046 $5,135 $5,067 $4,954
GEICO $1,847 $3,866 $11,638 $3,385
Liberty Mutual $9,083 $10,987 $20,384 $11,642
Nationwide $4,623 $6,158 $5,610 $5,205
Progressive $3,781 $4,912 $4,432 $4,599
State Farm $6,802 $8,139 $17,492 $10,143
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,811 $3,502 $4,583 $3,062

Cheapest St. Louis, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in St. Louis, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $32,526 $32,526
Farmers $8,040 $8,040
GEICO $10,010 $10,010
Liberty Mutual $22,878 $22,878
Nationwide $9,932 $9,932
Progressive $9,417 $10,108
State Farm $22,519 $22,519
Travelers $13,395 $13,395
USAA $6,179 $5,836

Cheapest St. Louis, MI Car Insurance for Seniors

Take a look at St. Louis, MI 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. Louis, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $11,776 $11,776
Farmers $3,408 $3,408
GEICO $3,669 $3,669
Liberty Mutual $9,675 $9,675
Nationwide $3,489 $3,489
Progressive $2,322 $2,560
State Farm $5,997 $5,997
Travelers $3,858 $3,858
USAA $2,436 $2,298

Cheapest St. Louis, MI Car Insurance Rates After a DUI

A DUI in St. Louis, MI increases car insurance rates. Compare St. Louis, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in St. Louis, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $38,214
Farmers $5,067
GEICO $11,638
Liberty Mutual $20,384
Nationwide $5,610
Progressive $4,432
State Farm $17,492
Travelers $10,331
USAA $4,583

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Cheapest St. Louis, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in St. Louis, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $17,626 $17,626
Farmers $4,801 $4,801
GEICO $5,066 $5,303
Liberty Mutual $12,578 $13,469
Nationwide $5,399 $5,399
Progressive $4,431 $4,431
State Farm $10,357 $10,931
Travelers $6,611 $6,686
USAA $3,449 $3,530

The Best Cheap Car Insurance Companies in St. Louis, MI

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

Average Annual Car Insurance Rates by Company in St. Louis, Michigan

Insurance Company Average Annual Rates
Allstate $17,626
Farmers $4,801
GEICO $5,184
Liberty Mutual $13,024
Nationwide $5,399
Progressive $4,431
State Farm $10,644
Travelers $6,649
USAA $3,489

Category Winners: Cheapest Car Insurance in St. Louis, Michigan

Find the cheapest car insurance companies in St. Louis, MI for each category right here.

Best Annual Car Insurance Rates by Company in St. Louis, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest St. Louis, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in St. Louis, Michigan

Insurance Company Low Medium High
Allstate $17,196 $17,664 $18,017
Farmers $4,688 $4,791 $4,922
GEICO $4,858 $5,140 $5,554
Liberty Mutual $12,668 $12,990 $13,414
Nationwide $5,652 $5,308 $5,237
Progressive $4,290 $4,437 $4,565
State Farm $10,112 $10,710 $11,110
Travelers $6,575 $6,656 $6,715
USAA $3,389 $3,497 $3,582

What affects car insurance rates in St. Louis, Michigan?

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

Car Theft in St. Louis

High levels of vehicle theft can make car insurance more expensive. St. Louis, MI car theft statistics from the FBI indicate 5 vehicle thefts a year.

Commute Time in St. Louis

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Louis, MI is 23.3 minutes according to City-Data.

Traffic in St. Louis

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. St. Louis, MI traffic data from INRIX ranks St. Louis as the 722nd-most congested in the world.

Compare Car Insurance Quotes in St. Louis, MI

Ready to find affordable St. Louis, Michigan car insurance today? Enter your ZIP code for fast, free St. Louis, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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