Car Insurance in Saint Louis

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Joel Ohman
Founder, CFP®

UPDATED: Jun 27, 2017

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

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you need to know...
  • The Saint Louis area has a population close to three 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 Saint Louis, there are additional types of coverage to consider

Every driver in Saint Louis, Missouri needs Saint 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!

Saint Louis Past and Present History

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Saint 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, Saint Louis functioned as a gateway. Saint 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, Saint Louis is home to nine of the Fortune 500 companies. Saint Louis is also known for its famous baseball team, the Saint 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 Saint Louis area can boast a population of closer to three million inhabitants.

People living in Saint 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 Saint 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 Saint 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 Saint Louis car insurance is not expensive or difficult to get if you go about it correctly.

Diligence with Agents

Group of business people

There are thousands of Saint 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!

Free Car Insurance Comparison

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Call for FREE quotes: (855) 425-8122

Required Saint Louis Car Insurance for Drivers

Many of the laws that govern driving your car in Saint 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 Saint Louis car insurance requirements.

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 Saint 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.

Free Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

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Call for FREE quotes: (855) 425-8122

Big Names in Coverage

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

Selecting a Good Company for You

There are also many other insurance companies you may contact for Saint 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 Saint 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

Saint Louis Car Insurance Quotes

The best way to get the top car insurance deal on Saint 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 Saint 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

Compare quotes from the top car insurance companies and save!

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