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The average cost of car insurance in St. Louis is $206 per month, which is considerably higher than both the state and national averages. The state’s high rate of uninsured drivers and higher rates of auto theft and break-ins play a part in the city’s higher-than-average rates.[1][2]
While insurance in St. Louis may be expensive, some companies still offer affordable rates. The cheapest insurers in St. Louis include USAA, State Farm, and Progressive, with rates as low as $82 per month.
If you’re shopping for insurance in St. Louis, keep reading to learn what factors affect your insurance rates, the cheapest insurers for various driver types, and our top picks for the best companies in the city.
USAA has the cheapest insurance in St. Louis, with an average liability rate of $82 per month.
Drivers in St. Louis pay an average of $151 per month for liability coverage and $262 for full coverage.
Missouri state law requires drivers to have 25/50/25 liability limits and uninsured motorist coverage.
No matter what the average insurance rates are in your city, it’s possible to save even more by shopping around for coverage. Several companies offer rates below the citywide average, allowing you to find cheaper coverage.
The table below lists the cheapest auto insurance companies in St. Louis, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $97 |
| Progressive | $109 |
| Safeco | $129 |
| Allstate | $132 |
| Root | $132 |
| National General | $136 |
| Clearcover | $138 |
| GEICO | $144 |
| Direct Auto | $150 |
| Bristol West | $155 |
| American Family | $164 |
| The General | $164 |
| GAINSCO | $182 |
| Liberty Mutual | $195 |
| Foremost | $217 |
| Shelter | $217 |
| Nationwide | $230 |
| Auto-Owners | $238 |
The companies above can be a great starting point for finding affordable insurance. But your rates can vary based on factors like your age, driving record, address, and coverage choice.
Let’s explore the cheapest companies for different drivers and coverage types in the table below, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $82 |
| Full coverage | USAA | $171 |
| Teens | USAA | $153 |
| Seniors | USAA | $65 |
| Drivers with a speeding ticket | USAA | $106 |
| Drivers with an at-fault accident | USAA | $111 |
| Drivers with a DUI | USAA | $116 |
| Drivers with excellent credit | USAA | $72 |
| Drivers with poor credit | USAA | $100 |
Comparing quotes can save you up to $867.†
The average monthly cost of state-minimum liability insurance in St. Louis is $151, according to Compare.com data. And while state-minimum coverage is the most affordable, experts typically recommend that most drivers purchase additional coverage for the greatest financial protection.
Not only could the state’s low liability requirements leave you on the hook for out-of-pocket damages in a serious accident, but they also don’t protect your vehicle.
The table below shows the five cheapest companies for state-minimum coverage in St. Louis, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $97 |
| Progressive | $109 |
| Safeco | $129 |
| Allstate | $132 |
| Root | $132 |
| National General | $136 |
| Clearcover | $138 |
| GEICO | $144 |
| Direct Auto | $150 |
| Bristol West | $155 |
| American Family | $164 |
| The General | $164 |
| GAINSCO | $182 |
| Liberty Mutual | $195 |
| Foremost | $217 |
| Shelter | $217 |
| Nationwide | $230 |
| Auto-Owners | $238 |
Full coverage is the best type of car insurance for most drivers. It’s more expensive, but it includes comprehensive and collision coverage, which pays for damages to your vehicle from accidents and other hazards.
If you have an auto loan or lease, your lender likely requires you to have full coverage, at least until you pay off your loan.
St. Louis drivers pay an average of $262 per month for full-coverage insurance in St. Louis, according to our data. But several insurers offer full-coverage rates similar to the cost of liability insurance.
The table below highlights the five cheapest insurers in St. Louis for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $171 |
| Progressive | $176 |
| State Farm | $203 |
| Safeco | $229 |
| Root | $256 |
| National General | $264 |
| Allstate | $276 |
| Direct Auto | $291 |
| GEICO | $300 |
| Clearcover | $304 |
| American Family | $344 |
| Liberty Mutual | $348 |
| Bristol West | $383 |
| GAINSCO | $439 |
| Shelter | $454 |
| Foremost | $462 |
| The General | $467 |
| Nationwide | $483 |
| Auto-Owners | $498 |
Generally speaking, teen drivers pay more for car insurance than any other demographic. Teens crash nearly four times as often as older drivers, according to the Insurance Institute for Highway Safety (IIHS). Their immaturity and lack of experience make them more prone to risky driving practices and overall driver error.[3]
The average insurance cost for teens in St. Louis is $378 per month, according to our data, but you may be able to find cheaper rates by shopping around.
Check out the five cheapest insurers in St. Louis for teen drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $153 |
| State Farm | $189 |
| Progressive | $200 |
| Clearcover | $229 |
| Root | $229 |
| GEICO | $259 |
| Safeco | $261 |
| Allstate | $263 |
| National General | $277 |
| Bristol West | $278 |
| The General | $289 |
| Direct Auto | $290 |
| American Family | $312 |
| GAINSCO | $334 |
| Liberty Mutual | $346 |
| Shelter | $433 |
| Nationwide | $452 |
| Auto-Owners | $481 |
While teens pay the highest insurance premiums, senior drivers pay some of the lowest rates, mostly thanks to their decades of driving experience. Additionally, older people tend to drive fewer miles and do less night driving, which reduces their risk of accidents.[4]
Our data shows that seniors in St. Louis pay an average of $173 per month for car insurance. And though you already get pretty low rates, you can still find even lower rates if you shop around for the right coverage.
The table below shows the five cheapest insurance companies in St. Louis for seniors, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $65 |
| State Farm | $75 |
| Progressive | $91 |
| National General | $105 |
| Allstate | $105 |
| Root | $109 |
| Safeco | $111 |
| GEICO | $113 |
| Direct Auto | $119 |
| Clearcover | $120 |
| Bristol West | $127 |
| American Family | $129 |
| The General | $136 |
| Shelter | $152 |
| GAINSCO | $152 |
| Liberty Mutual | $160 |
| Nationwide | $173 |
| Auto-Owners | $185 |
A speeding ticket may cause your insurance rates to increase when you renew because it shows your insurer you may engage in high-risk driving habits. Even just one speeding ticket increases insurance rates by an average of 37% nationwide, according to our research.
We found that the average cost of car insurance for a driver in St. Louis with one speeding ticket is $259 per month, but certain insurers may offer you an even better rate.
See the table below to learn the five cheapest insurers in St. Louis for drivers with a ticket, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $123 |
| Progressive | $137 |
| National General | $170 |
| Safeco | $170 |
| Allstate | $172 |
| Root | $176 |
| Clearcover | $179 |
| Direct Auto | $188 |
| GEICO | $188 |
| Bristol West | $195 |
| American Family | $213 |
| GAINSCO | $217 |
| The General | $219 |
| Liberty Mutual | $248 |
| Shelter | $289 |
| Nationwide | $299 |
| Auto-Owners | $311 |
An accident is another way to see an insurance premium increase — especially if you’re at fault. An at-fault accident causes average rates to increase by 41% nationwide, according to our data.
Drivers with a recent at-fault accident in St. Louis pay a monthly average of $275 for insurance, according to our data. Here are five companies offering more affordable rates if you have an at-fault accident on your record, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $111 |
| State Farm | $129 |
| Progressive | $146 |
| Root | $177 |
| Allstate | $178 |
| Safeco | $181 |
| National General | $182 |
| GEICO | $188 |
| Clearcover | $202 |
| Bristol West | $205 |
| Direct Auto | $206 |
| American Family | $221 |
| The General | $227 |
| GAINSCO | $234 |
| Liberty Mutual | $261 |
| Shelter | $294 |
| Nationwide | $311 |
| Auto-Owners | $316 |
Driving under the influence (DUI) is a more serious violation that causes the largest price increase in insurance rates. Our research shows an average rate increase of 61% nationwide after a DUI conviction.
With a DUI on your record, you’ll pay an average of $279 per month for St. Louis car insurance. But you’re not necessarily stuck with high rates, as several insurers offer more affordable options.
We’ve compiled the cheapest insurers in St. Louis for drivers with DUIs in the table below.
Company | Average Monthly Premium |
|---|---|
| USAA | $116 |
| State Farm | $138 |
| Progressive | $148 |
| Allstate | $187 |
| Root | $188 |
| National General | $193 |
| Safeco | $195 |
| Clearcover | $196 |
| GEICO | $202 |
| Direct Auto | $213 |
| Bristol West | $220 |
| American Family | $233 |
| The General | $233 |
| GAINSCO | $259 |
| Liberty Mutual | $277 |
| Shelter | $308 |
| Nationwide | $327 |
| Auto-Owners | $338 |
Some insurance companies look at your credit history when calculating your insurance premiums, as it’s another indicator of risk. Poor credit may indicate that you’re riskier to insure because you may file more claims.[5]
Poor credit will leave you paying an average of 20% more than drivers with excellent credit, according to our research. In St. Louis, the average driver with poor credit pays around $258 per month for coverage, according to Compare.com data.
The good news is that some companies don’t use credit as a rating factor and offer below-average rates even for drivers with poor credit. Below, we’ve highlighted five of the cheapest companies in St. Louis for you to gather quotes from.
Company | Average Monthly Premium |
|---|---|
| USAA | $100 |
| Progressive | $136 |
| State Farm | $140 |
| Safeco | $159 |
| Allstate | $163 |
| Root | $163 |
| National General | $167 |
| Clearcover | $170 |
| GEICO | $177 |
| Direct Auto | $185 |
| Bristol West | $191 |
| American Family | $196 |
| The General | $202 |
| GAINSCO | $224 |
| Liberty Mutual | $234 |
| Shelter | $267 |
| Nationwide | $283 |
| Auto-Owners | $355 |
While there’s no single best car insurance company for everyone, some insurers stand out more than others. We chose our top car insurance companies for St. Louis based on average cost, discount and coverage options, and customer and third-party ratings.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $97/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $203/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm, the largest auto insurer, consistently ranks as a top auto insurance company nationwide, and that’s the case in St. Louis, too. In addition to its already affordable rates, State Farm offers you plenty of ways to save, including when you bundle your policies. Safe drivers can save up to 30% with its Drive Safe & Save program.
| User Reviews | 4.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $171/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.4 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA specifically serves military members, veterans, and their families. Considering Missouri is home to several military bases, it could be a good option for many St. Louis drivers. USAA has some of the cheapest rates on the market, as well as high customer satisfaction and claims satisfaction ratings.
Although the insurer doesn’t offer as many discounts as its competitors, its SafePilot program can help safe drivers and low-mileage drivers save up to 30% on insurance premiums.
Cheap rates for most drivers
High customer satisfaction and claims ratings
Savings for safe and low-mileage drivers
Available only to military members and families
Fewer discounts than competitors
No local insurance agents
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $164/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $344/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.0 | 2.9 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
American Family doesn’t have the cheapest rates, but it does offer drivers plenty of discounts. The insurer also has two usage-based driving programs — MilesMyWay for low-mileage customers, and DriveMyWay for safe drivers — through which you can save up to 25% and 35%, respectively.
Additionally, while American Family has slightly below-average claims ratings nationwide, it ranks near the top of all companies for overall customer satisfaction in the region, according to J.D. Power.
Many discounts available
Usage-based insurance available
Large network of independent agents
Higher rates than some competitors
Low claims satisfaction ratings
Available in only 19 states
Local rates start as low as $82 per month.
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Missouri requires all drivers to show proof of car insurance to legally register their vehicle and renew their license plates. The state’s minimum insurance limits are:
$25,000 per person/$50,000 per accident for bodily injury liability insurance
$25,000 per accident for property damage liability insurance
$25,000 per person/$50,000 per accident for uninsured motorist coverage
If you drive without insurance in Missouri, you’ll face license suspension for up to 90 days for your second offense and up to one year for your third or subsequent offense. Reinstating your license costs between $20 and $400, depending on the offense.[9]
Though Missouri law only legally requires you to have liability and uninsured motorist coverage, most experts recommend buying more coverage. That’s because the minimum coverage amounts may not be high enough to cover all damages you cause in a serious accident. If the damages are higher than your policy limits, you could pay the rest out of pocket.
Additionally, liability insurance doesn’t pay for damage to your own vehicle, whether it’s from an accident, bad weather, vandalism, or anything else. For that reason, you should also consider purchasing collision and comprehensive coverage.
Before buying car insurance in St. Louis, make sure to read the answers to the most common questions drivers have about St. Louis auto insurance.
Car insurance costs an average of $206 per month in St. Louis, according to Compare.com data. The average liability-only premium is $151 per month, while full coverage costs $262 per month.
USAA has the cheapest car insurance in St. Louis, with an average monthly rate of $82, according to our data. Still, the cheapest company for you may be different, since your personal rates will depend on your driving history, age, and other unique factors.
Yes. The average car insurance rate in St. Louis is quite expensive compared to the national average. Our data shows that St. Louis drivers pay an average of $206 per month, while the national average rate is $136. Because several key factors affect your insurance rates, you could end up paying more or less than the citywide average.
The cheapest car to insure in Missouri depends on the vehicle type and model year you drive. That said, some of the cheapest cars to insure nationwide are the Subaru Forester, Subaru Outback, and Toyota RAV4, according to Compare.com data.
Keep in mind that the type of car you drive is just one factor that affects your insurance rates, so driving one of these vehicles doesn’t guarantee a low insurance premium.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.