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

Car insurance in St. Louis, MO averages $399 a month. St. Louis, Missouri car insurance requirements are 25/50/25, 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, MO.

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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

  • Average car insurance rates in St. Louis, MO after a DUI are $5,570/year
  • Average car insurance rates in St. Louis, MO are $4,789/year
  • The cheapest car insurance company in St. Louis is USAA

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

You’ll find St. Louis car insurance rates, the cheapest St. Louis, MO car insurance companies, and information on Missouri car insurance laws. You can also compare St. Louis, Missouri car insurance rates to Florissant car insurance rates, St. Charles car insurance rates, and Kansas City car insurance rates.

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

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

How do age, gender, and marital status affect St. Louis, MO car insurance rates? Every St. Louis, 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. Louis, 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 $3,772 $3,632 $3,412 $3,521 $10,980 $11,910 $3,567 $3,665
American Family $3,139 $3,139 $2,797 $2,797 $8,573 $11,145 $3,139 $3,666
Farmers $3,337 $3,323 $2,975 $3,168 $14,069 $14,525 $3,795 $3,940
GEICO $2,616 $2,955 $2,079 $2,712 $8,361 $8,778 $2,357 $2,321
Liberty Mutual $3,846 $4,173 $3,165 $3,560 $13,587 $15,097 $4,041 $4,300
Nationwide $2,234 $2,278 $2,001 $2,116 $5,775 $7,384 $2,561 $2,767
Progressive $3,808 $3,393 $3,087 $3,243 $12,211 $13,497 $4,500 $4,285
State Farm $2,445 $2,445 $2,224 $2,224 $7,393 $9,259 $2,755 $3,159
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in St. Louis, MO

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

Minimum Required Car Insurance Coverage in St. Louis, 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. Louis, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in St. Louis, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $7,701 $4,926 $4,044
American Family $6,268 $4,411 $3,718
Farmers $7,014 $5,849 $5,561
GEICO $5,568 $3,615 $2,884
Liberty Mutual $9,302 $5,665 $4,447
Nationwide $4,012 $3,301 $2,856
Progressive $7,087 $5,720 $5,201
State Farm $5,587 $3,533 $2,845
USAA $4,567 $2,109 $1,505

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

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

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,729 $5,374 $6,739 $5,386
American Family $3,629 $5,091 $6,343 $4,134
Farmers $5,302 $6,617 $6,469 $6,177
GEICO $3,082 $4,062 $5,584 $3,361
Liberty Mutual $4,680 $6,758 $6,954 $7,493
Nationwide $2,649 $3,418 $4,585 $2,906
Progressive $5,218 $6,938 $5,770 $6,086
State Farm $3,640 $4,336 $3,988 $3,988
USAA $2,179 $2,649 $3,694 $2,385

Cheapest St. Louis, MO Car Insurance for Teen Drivers

Teen car insurance in St. Louis, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,980 $11,910
American Family $8,573 $11,145
Farmers $14,069 $14,525
GEICO $8,361 $8,778
Liberty Mutual $13,587 $15,097
Nationwide $5,775 $7,384
Progressive $12,211 $13,497
State Farm $7,393 $9,259
USAA $5,002 $6,115

Cheapest St. Louis, MO Car Insurance for Seniors

Take a look at St. Louis, 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. Louis, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,412 $3,521
American Family $2,797 $2,797
Farmers $2,975 $3,168
GEICO $2,079 $2,712
Liberty Mutual $3,165 $3,560
Nationwide $2,001 $2,116
Progressive $3,087 $3,243
State Farm $2,224 $2,224
USAA $1,491 $1,518

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

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,739
American Family $6,343
Farmers $6,469
GEICO $5,584
Liberty Mutual $6,954
Nationwide $4,585
Progressive $5,770
State Farm $3,988
USAA $3,694

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

How does how far you drive affect car insurance rates in St. Louis, 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. Louis, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,557 $5,557
American Family $4,752 $4,847
Farmers $6,141 $6,141
GEICO $3,949 $4,096
Liberty Mutual $6,471 $6,471
Nationwide $3,389 $3,389
Progressive $6,003 $6,003
State Farm $3,891 $4,085
USAA $2,630 $2,824

Cheapest St. Louis, MO Car Insurance Rates by ZIP Code

St. Louis car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in St. Louis, MO.

Annual Car Insurance Rates by ZIP Code in St. Louis, Missouri

ZIP Code Average Annual Rates
63101 $3,935
63102 $3,914
63103 $3,898
63104 $3,789
63105 $3,439
63106 $4,199
63107 $4,273
63108 $3,876
63109 $3,602
63110 $3,767
63111 $3,975
63112 $4,010
63113 $4,330
63114 $3,151
63115 $4,288
63116 $3,951
63118 $4,084
63139 $3,596
63140 $3,544
63147 $4,254
63155 $3,853

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

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

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

Insurance Company Average Annual Rates
Allstate $5,557
American Family $4,799
Farmers $6,141
GEICO $4,022
Liberty Mutual $6,471
Nationwide $3,389
Progressive $6,003
State Farm $3,988
USAA $2,727

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

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

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

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

Cheapest St. Louis, MO 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, MO car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $5,304 $5,544 $5,823
American Family $4,670 $4,948 $4,780
Farmers $5,699 $6,073 $6,652
GEICO $3,694 $4,058 $4,315
Liberty Mutual $6,065 $6,505 $6,844
Nationwide $3,163 $3,420 $3,585
Progressive $4,943 $6,039 $7,027
State Farm $3,705 $4,005 $4,254
USAA $2,627 $2,720 $2,834

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

What factors can have an impact on St. Louis, MO 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, Missouri.

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, MO is 26.1 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, MO traffic data from INRIX ranks St. Louis as the 722nd-most congested in the world.

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Compare Car Insurance Quotes in St. Louis, MO

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