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: Jan 19, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • The St. Louis area has a population close to 3 million people
  • When getting auto insurance through an agent, remember that agents really only focus on a few packages they know well; there may be more options to ask about
  • There are at least 10 factors that can affect your auto insurance rate
  • Besides the mandatory 25/50/10 minimum liability coverage for St. Louis, there are additional types of coverage to consider

Every driver in St. Louis, Missouri needs St. Louis car insurance. A thing to note is that general accident levels have been receding over the last 10 years.

About 25 percent of the accidents involved alcohol or drugs. More than 40 percent were young – between 16 and 35 years of age. Only six percent of the accidents were during foul weather and many of these accidents only involved one vehicle.

Clearly, with safer driving habits, most of these accidents could have been easily avoided.

Compare Missouri coverage after an accident by entering your ZIP code above.

St. Louis Car Insurance Requirements

Below you will find detailed information about St. Louis car insurance rates and requirements.

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

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly St. Louis, Missouri auto insurance rates by ZIP Code below:

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St. Louis, MO Car Insurance Rates by Company vs. City Average

Which St. Louis, MO car insurance company has the best rates? And how do those rates compare against the average Missouri car insurance company rates? We’ve got the answers below.

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The Cheapest St. Louis, MO Car Insurance Rates by Credit Score

Your credit score will play a significant role in your St. Louis car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest St. Louis, MO car insurance rates by credit score below.

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St. Louis, MO Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my St. Louis, MO stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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The Cheapest St. Louis, MO Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your St. Louis car insurance rates. Find the cheapest St. Louis, MO car insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in St. Louis, MO

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. MO does use gender, so check out the average monthly car insurance rates by age and gender in St. Louis, MO.

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St. Louis, MO Car Insurance Rates by Company and Age

St. Louis, MO car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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The Cheapest St. Louis, MO Car Insurance Rates by Driving Record

Your driving record will play a major role in your St. Louis car insurance rates. For example, other factors aside, a St. Louis, MO DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest St. Louis, MO car insurance rates by driving record.

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Factors Affecting Car Insurance Rates in St. Louis, MO

Factors affecting car insurance rates in St. Louis, MO may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap St. Louis, Missouri car insurance.

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St. Louis Past and Present History

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