Travelers, American Family and GEICO offer the most affordable car insurance options in St. Louis for various needs. However, rates vary depending on your driver profile and coverage level. The table below breaks down the most affordable companies for various categories to help you find the best option for your needs.
Cheapest Car Insurance in St. Louis, MO
Updated: December 24, 2024
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Key Takeaways
Travelers, American Family, Allstate, Shelter and State Farm are among the most affordable car insurance companies in St. Louis.
The lowest average monthly rates are $49 for minimum coverage and $103 for full coverage.
On average, St. Louis drivers pay $94 per month for minimum coverage and $222 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Missouri Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in St. Louis
| Travelers | Minimum Coverage | $49 |
| Travelers | Full Coverage | $103 |
| GEICO | Teens | $192 |
| Travelers | Young Adults | $56 |
| Travelers | Senior Drivers | $53 |
| Travelers | Drivers With Bad Credit | $82 |
| Travelers | Drivers With a Speeding Ticket | $65 |
| American Family | Drivers With a DUI | $71 |
| Travelers | Drivers With an Accident | $69 |
| USAA | Military Affiliated Drivers | $21 |
Cheapest Car Insurance Coverage in St. Louis
To find the cheapest car insurance in St. Louis, it's important to compare rates from multiple providers. Factors like age, driving history, vehicle type and coverage needs all impact your premium. Remember, the cheapest car insurance company in Missouri may differ from the cheapest insurer in St. Louis. Shopping around for car insurance quotes is key to finding affordable coverage that meets your needs.
Cheapest Minimum Coverage Car Insurance in St. Louis
Travelers offers the most affordable minimum coverage in St. Louis at $49 per month, followed by American Family at $58 per month. Check the table below to explore other providers offering the best rates for minimum car insurance coverage in the city.
| Travelers | $49 | $45 |
| American Family | $58 | $35 |
| Allstate | $79 | $15 |
| Shelter | $83 | $11 |
| State Farm | $83 | $10 |
Cheapest Full Coverage Car Insurance in St. Louis
Travelers offers the most affordable full coverage car insurance in St. Louis at $1,237 per year. Check the table below to explore more providers offering competitive rates for full car insurance coverage.
| Travelers | $103 | $118 |
| American Family | $107 | $115 |
| Allstate | $135 | $87 |
| State Farm | $183 | $39 |
| Shelter | $186 | $36 |
| Nationwide | $213 | $9 |
Cheapest Car Insurance in St. Louis by Age
In St. Louis, car insurance rates vary based on age. Young drivers pay more because they're less experienced. Over time, car insurance rates usually go down, but can go up after 70. In the table below, find the most affordable insurers for teens, young adults and seniors in St. Louis.
Cheapest Car Insurance in St. Louis for Teens
Allstate, Nationwide and State Farm offer the most affordable car insurance for teens in St. Louis. Check the table below to find the lowest rates for this age group.
| Allstate | $212 | $247 | $411 | $311 |
| Nationwide | $269 | $191 | $455 | $268 |
| Travelers | $276 | $184 | $444 | $278 |
| State Farm | $352 | $108 | $380 | $342 |
Cheapest Car Insurance in St. Louis for Young Adults
Travelers offers the cheapest car insurance for young adults in St. Louis at $672 yearly, 51% cheaper than the city average. Other affordable options include American Family at $733 per year, Allstate at $1,220 per year and State Farm at $1,222 per year.
| Travelers | $56 | $57 |
| American Family | $61 | $52 |
| Allstate | $102 | $12 |
| State Farm | $102 | $12 |
| Progressive | $102 | $11 |
Cheapest Car Insurance in St. Louis for Seniors
Travelers provides the cheapest car insurance for seniors in St. Louis at an annual rate of $639. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Travelers | $53 | $40 |
| American Family | $58 | $35 |
| Shelter | $69 | $24 |
| State Farm | $82 | $11 |
| Allstate | $83 | $10 |
| Progressive | $89 | $4 |
Cheapest Car Insurance in St. Louis for Drivers With Bad Credit
A poor credit-based insurance score can lead to higher premiums. The top options for cheap car insurance for drivers with bad credit in St. Louis are Travelers ($983 per year) and American Family ($1,283 per year). Review the table below for more options from other providers.
| Travelers | $82 | $86 |
| American Family | $107 | $61 |
| Shelter | $129 | $39 |
| Allstate | $132 | $37 |
| Nationwide | $140 | $28 |
| Kemper | $145 | $24 |
| Progressive | $153 | $15 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still find affordable car insurance by using common discounts and bundling different insurance policies. Compare personalized quotes from multiple companies to find the best deal. Improving your credit over time can also help lower rates.
Cheapest Car Insurance in St. Louis After a Driving Offense
Insurance providers assess risk by examining your driving record when calculating premiums. Violations like speeding tickets, accidents or DUIs can increase your rates. Even the cheapest car insurance for drivers with violations is pricier than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in St. Louis After a DUI
Missouri doesn't have DUIs but uses DWI instead. Drivers in St. Louis with a DWI can still find affordable car insurance. American Family offers the cheapest annual rate for minimum coverage at $850. Check the table below to explore options from other providers and find the best rates for drivers with a DWI in the area.
| American Family | $71 | $64 |
| Travelers | $76 | $59 |
| State Farm | $94 | $41 |
| Progressive | $102 | $33 |
| Allstate | $118 | $17 |
| Shelter | $122 | $13 |
| Kemper | $124 | $11 |
Cheapest Car Insurance in St. Louis After an Accident
Travelers offers the most affordable minimum coverage car insurance for drivers with an at-fault accident record, costing $824 annually. Explore options from other providers in the table below to find the most affordable rates.
| Travelers | $69 | $66 |
| American Family | $72 | $63 |
| State Farm | $102 | $32 |
| Allstate | $115 | $19 |
| Shelter | $122 | $12 |
Cheapest Car Insurance in St. Louis After a Ticket
Travelers offers the most affordable car insurance for drivers with a speeding record at $784 annually. American Family follows closely with an annual rate of $850. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates.
| Travelers | $65 | $51 |
| American Family | $71 | $46 |
| State Farm | $94 | $22 |
| Allstate | $101 | $15 |
| Shelter | $108 | $8 |
| Progressive | $113 | $4 |
Cheapest Car Insurance in St. Louis for Military Drivers
Military drivers in St. Louis, including active-duty members, veterans, and their families, can often find special discounts and competitive rates on car insurance. Two of the cheapest car insurance providers for military drivers are USAA at $256 annually and Travelers at $583 annually for minimum coverage.
| USAA | $21 | $66 |
| Travelers | $49 | $39 |
| American Family | $58 | $29 |
| Allstate | $79 | $8 |
| Shelter | $83 | $5 |
| State Farm | $83 | $4 |
Car Insurance Quotes in St. Louis
The estimated car insurance rates offer St. Louis drivers a starting point for understanding expected premiums, guiding them toward affordable options. USAA's monthly liability rate of $21 and Travelers' rate of $49 highlight potential savings. Since insurers consider personal factors, obtaining quotes is crucial for accurate cost estimates.
Compare St. Louis Car Insurance Estimates Online
Since each insurer weighs personalized factors differently when calculating car insurance premiums, comparing quotes from multiple companies is essential to find affordable rates. In St. Louis, drivers can use MoneyGeek to input basic information and receive multiple car insurance quotes in minutes, making the search for the best rate efficient and straightforward.
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Rates updated:
Dec 24, 2024
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Car Insurance Agencies in St. Louis
While comparing car insurance quotes online is expedient for finding affordable coverage, those seeking a more personalized experience should contact local agencies. The table below includes names, review ratings, and contact information for top car insurance agencies, offering St. Louis residents tailored assistance.
How Much Does Car Insurance Cost in St. Louis?
In St. Louis, the average full coverage car insurance is $2658 per year. State minimum coverage costs less, averaging $1126 annually. Remember, these rates are for a 40-year-old driver with good credit and a clean driving record; your rate may differ.
St. Louis Auto Insurance Cost by Driver Profile
Review this table for average auto insurance costs by driver profile. It helps you see if your rate is in line with others and find affordable coverage.
| Teen Drivers | No Data | $722 |
| Young Adults | $113 | $272 |
| Senior Drivers | $93 | $211 |
| Drivers With Bad Credit | $168 | $401 |
| Drivers With a Speeding Ticket | $116 | $272 |
| Drivers With a DUI | $135 | $310 |
| Drivers With an Accident | $135 | $314 |
| Military Affiliated Drivers | $87 | $207 |
How Expensive Is Car Insurance St. Louis?
In St. Louis, car insurance costs more than the Missouri average. For minimum coverage, it's about 43% higher, at $94 per month. Full coverage is also pricier, about 28% more, costing $222 monthly. This means residents pay more for the same protection.
Car Insurance Requirements in St. Louis
In Missouri, drivers must carry car insurance that meets the state's minimum coverage limits. These requirements ensure that all motorists have financial protection for bodily injury and property damage they might cause in an accident.
Missouri's minimum coverage amounts include:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person.
- $50,000 uninsured motorist bodily injury per accident.
An auto insurance policy safeguards against the costs arising from an accident. Liability coverage specifically addresses the expenses for harm or damage the policyholder is responsible for in an at-fault collision.
For instance, if you're at fault in an accident and the other driver sustains injuries, your minimum bodily injury liability coverage would cover up to $25,000 for that person's medical expenses. It's essential to carry at least this amount to avoid paying out-of-pocket costs. Moreover, if you need SR-22 insurance in St. Louis, these are the minimum coverage amounts you must have to legally drive.
Cheapest Car Insurance in St. Louis: Bottom Line
The cheapest car insurance in St. Louis can depend on your age, driving history, and the car you drive. Travelers and USAA often have the most affordable plans. But remember, to get the best deal, always compare quotes from different companies.
Cheap St. Louis Car Insurance: FAQ
MoneyGeek answers common questions about affordable car insurance in St. Louis. We help you compare options to find the best coverage for your needs. Whether you're looking for minimum coverage or more, we're here to guide you.
What is the cheapest car insurance company in St. Louis, Missouri?
The cheapest car insurance company in St. Louis, Missouri, is typically Travelers, with average rates of $103 per month for full coverage and $49 per month for state minimum coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in St. Louis, Missouri?
The average cost of car insurance in St. Louis, Missouri, is around $2,658 per year for full coverage and $1,126 per year for minimum coverage. These rates can vary depending on your specific circumstances.
Is car insurance in St. Louis, Missouri, expensive?
Yes, car insurance in St. Louis, Missouri, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in St. Louis, MO
To help St. Louis drivers find the most affordable auto insurance companies, MoneyGeek analyzed St. Louis auto insurance rates based on data and information from the Missouri Department of Insurance and Quadrant Information Services.
St. Louis Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in St. Louis with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in St. Louis
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Missouri are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.