Car Insurance in St. Louis

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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: Jan 19, 2021

Advertiser Disclosure

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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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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St. Louis was originally founded in 1764. After being owned by the French for a bit, it was finally bought by the USA as part of the Louisiana Purchase.

For many years, as the new immigrants expanded their presence westward, St. Louis functioned as a gateway. St. Louis is still called the “Gateway to the West.”

Actually, the gateway arch can be seen from many miles away and is a major attraction.

Nowadays, St. Louis is home to nine of the Fortune 500 companies. St. Louis is also known for its famous baseball team, the St. Louis Cardinals.

Although the city proper has a population of roughly 320,000 as of the 2010 census ranking it number 58 in the USA, the greater St. Louis area can boast a population of closer to three million inhabitants.

People living in St. Louis know that the city is quite large and there is no clear separation between the city and the greater metropolitan area.

For several decades, the population of the city has been falling.  As of recently, the population is 50 percent African-American and about 45 percent Caucasian. The rest is mixed between Hispanic and Asian races.

Car Insurance Analysis

Those on a search for St. Louis car insurance will find valuable information here to get you started on the right path.

When looking for car insurance, it is important to note how much you are quoted by different companies and agencies. Be thorough about your search and take your time to decide.

If you are coming from another state and you are looking for St. Louis car insurance for the first time, remember that each state and sometimes each city can have different rates for the same person.

State policies can vary among states and drivers, so make sure you do the proper comparison with our ZIP code search!

Different Car Insurance Rates for the Same City

The reasons for cities having different rates include higher theft and claims in some areas than others. Also, each state is allowed to set its own state car insurance laws, so they vary quite a bit.

Be sure that you are given a quote relative to your age, gender, driving record, and other specific factors.

Once you’ve spoken to several agents and gotten several quotes, you will be in a better position to make an informed decision. Try not to rush the process.

Obtaining St, Louis car insurance is not expensive or difficult to get if you go about it correctly.

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Diligence with Agents

There are thousands of St. Louis car insurance agents that will all be happy to sell you insurance.

This is because agents work on a sales commission. Therefore, it is up to you to be diligent about the prices and policies and other parameters that will affect your particular deal.

Most agents can’t keep track of all the policies available from all the companies they represent – much less the companies they know nothing about.

Agents normally focus on a few packages that they get to know well and can offer to you with speed and ease.

It is your job to stick to your guns and hold out for the best package you can get. Find the best agent by entering your ZIP code!

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Required St. Louis Car Insurance for Drivers

Many of the laws that govern driving your car in St. Louis will be found on the Missouri Department of Transportation website.

Drivers in Missouri are required to keep with them at all times a car insurance card that proves insurance coverage for the vehicle. Each driver is required to keep a minimum liability coverage.

Unfortunately, each year thousands of people are involved in accidents with those not complying with the law.

Here are the minimum liability requirements:

  • $25,000 to cover bodily injury for one person
  • $50,000 to cover bodily injury for each accident
  • $10,000 to cover damage to property

This is called 25/50/10 liability coverage. Once again, this is mandatory.

If you are a non-resident, you must have coverage that fits the laws of your state. Each state has specific car insurance requirements that all drivers must follow!

Police Officer Requests

You may be asked for proof of insurance by a police officer. If you cannot provide proof, the officer may write you a ticket.

If you cannot prove insurance, the Missouri Department of Revenue will be informed. In addition, the Department of Revenue may request proof of insurance at any time.

In addition to purchasing liability insurance as mentioned above, you can also show proof of financial responsibility or proof of self-insurance in order to meet St. Louis car insurance requirements.

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Points and Suspension

If an officer asks for proof of car insurance and you cannot provide it, the following may occur:

  • You will end up getting four points on your record. If you get eight points, you can lose your right to drive in Missouri.
  • The court may order you to be monitored to make sure you get the required St. Louis car insurance.
  • Your driver’s license may be suspended.

You must show proof of insurance when registering your vehicle and also when ordering license plates.

If your license does become suspended for failure to show proof of insurance, there are several penalties and requirements to meet when you want to drive again, such as:

  • Upon the first suspension – Show proof of insurance. Pay a $20 fee for reinstatement
  • Upon the second suspension – Show proof of insurance. Pay a $200 fee for reinstatement
  • Upon the third suspension – Show proof of insurance. Pay a $400 fee for reinstatement

In Case of Accidents

If you are involved in an accident, you are required to stop and cannot leave the scene. If your car is about to cause another accident, you should move it to a safe place if possible.

There are five other things that you should do:

  • Help the injured.
  • Notify the Police.
  • Use lights or flares or even reflectors to warn other drivers in case the scene is hard to see.
  • Share information about yourself and your vehicle with all others involved.
  • You are not allowed to leave until an officer says you may.

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Big Names in Coverage

Here is a partial list of some of the St. Louis car insurance companies you may contact for quotes and other information:

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Selecting a Good Company for You

There are also many other insurance companies you may contact for St. Louis car insurance.

It is important to note that not all companies will offer the same policy and rate. Some of the companies will make it their business to service young drivers with perfect records.

Other companies may have special policies and prices for married women.

Be sure to research well to find which companies have policies that fit you.

How much will I pay?

Minimum coverage for car insurance in Missouri is about $390 and the total average premium price comes to about $720.

In addition to basic liability insurance, you may also want:

How Rates are Decided

These car insurance options will have an impact on the price of your St. Louis car insurance premium.

In fact, there are at least 10 factors and more that will affect the price of your policy when all is said and done.

Here are some more factors:

  • Age of Driver
  • Marital Status of Driver
  • Gender of Driver
  • Credit Rating
  • Driver Grades (if Student)
  • Driving Record
  • Driver’s Miles per Day
  • Vehicle Type
  • Driver’s Driving Frequency
  • Driver’s Zip Code

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St. Louis Car Insurance Quotes

The best way to get the top car insurance deal on St. Louis car insurance is to speak to several agents and take notes so you have a good sampling.

Then look at your notes and compare each quotation for its coverage and price.

Take your time. You’ll find that a slow and careful analysis will give you your best results. Once you secure the proper St. Louis car insurance coverage, you’ll be happy you made the extra effort.

With our ZIP code search, you might even find affordable car insurance that fully covers your needs.

Free Car Insurance Comparison

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

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Average Monthly Car Insurance Rates by State
Monthly St. Louis, MO Car Insurance Rates by ZIP Code
 St. Louis, MO Car Insurance Rates by Company vs. City Average
The Cheapest St. Louis, MO Car Insurance Rates by Credit Score
St. Louis, MO Car Insurance Rates vs. Top US Metro Car Insurance Rates
The Cheapest St. Louis, MO Car Insurance Rates by Coverage Level
Average Monthly Car Insurance Rates by Age & Gender in St. Louis, MO
St. Louis, MO Car Insurance Rates by Company and Age
The Cheapest St. Louis, MO Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in St. Louis, MO
Monthly St. Louis, MO Car Insurance Rates by ZIP Code
 St. Louis, MO Car Insurance Rates by Company vs. City Average
The Cheapest St. Louis, MO Car Insurance Rates by Credit Score
St. Louis, MO Car Insurance Rates vs. Top US Metro Car Insurance Rates
The Cheapest St. Louis, MO Car Insurance Rates by Coverage Level
Average Monthly Car Insurance Rates by Age & Gender in St. Louis, MO
St. Louis, MO Car Insurance Rates by Company and Age
The Cheapest St. Louis, MO Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in St. Louis, MO