Best Cheap Auto Insurance in St. Louis, MO (2021)

The average St. Louis, MO auto insurance rates are $399 per month. The minimum auto insurance in St. Louis is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in St. Louis, Missouri, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in St. Louis, Missouri is 25/50/25
  • Average auto insurance rates in St. Louis, MO for senior drivers are $2,672 per year
  • The most expensive auto insurance company in St. Louis for teen drivers is Liberty Mutual

St. Louis, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in St. Louis can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in St. Louis, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in St. Louis to other Missouri cities, including Independence auto insurance rates, St. Louis auto insurance rates, and Springfield auto insurance rates to see how St. Louis, Missouri auto insurance rates stack up.

Before you buy St. Louis, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free St. Louis, Missouri auto insurance quotes.

Minimum Auto Insurance in St. Louis, Missouri

St. Louis, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in St. Louis, Missouri.

Minimum Required Auto Insurance Coverage in St. Louis, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap St. Louis, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in St. Louis, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in St. Louis, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,772 $3,632 $3,412 $3,521 $10,980 $11,910 $3,567 $3,665
American Family $3,139 $3,139 $2,797 $2,797 $8,573 $11,145 $3,139 $3,666
Farmers $3,337 $3,323 $2,975 $3,168 $14,069 $14,525 $3,795 $3,940
GEICO $2,616 $2,955 $2,079 $2,712 $8,361 $8,778 $2,357 $2,321
Liberty Mutual $3,846 $4,173 $3,165 $3,560 $13,587 $15,097 $4,041 $4,300
Nationwide $2,234 $2,278 $2,001 $2,116 $5,775 $7,384 $2,561 $2,767
Progressive $3,808 $3,393 $3,087 $3,243 $12,211 $13,497 $4,500 $4,285
State Farm $2,445 $2,445 $2,224 $2,224 $7,393 $9,259 $2,755 $3,159
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Cheap St. Louis, Missouri Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in St. Louis, Missouri is a challenge. Take a look at the annual teen auto insurance rates in St. Louis, Missouri.

Annual Auto Insurance Rates for Teen Drivers in St. Louis, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,980 $11,910
American Family $8,573 $11,145
Farmers $14,069 $14,525
GEICO $8,361 $8,778
Liberty Mutual $13,587 $15,097
Nationwide $5,775 $7,384
Progressive $12,211 $13,497
State Farm $7,393 $9,259
USAA $5,002 $6,115

Cheap St. Louis, Missouri Auto Insurance for Seniors

What are senior auto insurance rates in St. Louis, Missouri? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in St. Louis, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,412 $3,521
American Family $2,797 $2,797
Farmers $2,975 $3,168
GEICO $2,079 $2,712
Liberty Mutual $3,165 $3,560
Nationwide $2,001 $2,116
Progressive $3,087 $3,243
State Farm $2,224 $2,224
USAA $1,491 $1,518

Cheap St. Louis, Missouri Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in St. Louis, Missouri compared to the annual auto insurance rates with a clean record in St. Louis, Missouri.

Annual St. Louis, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,729 $5,374 $6,739 $5,386
American Family $3,629 $5,091 $6,343 $4,134
Farmers $5,302 $6,617 $6,469 $6,177
GEICO $3,082 $4,062 $5,584 $3,361
Liberty Mutual $4,680 $6,758 $6,954 $7,493
Nationwide $2,649 $3,418 $4,585 $2,906
Progressive $5,218 $6,938 $5,770 $6,086
State Farm $3,640 $4,336 $3,988 $3,988
USAA $2,179 $2,649 $3,694 $2,385

Cheap St. Louis, Missouri Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in St. Louis, Missouri is not easy. Compare the annual rates for DUI auto insurance in St. Louis, Missouri to find the best deal.

Annual Auto Insurance Rates After a DUI in St. Louis, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,739
American Family $6,343
Farmers $6,469
GEICO $5,584
Liberty Mutual $6,954
Nationwide $4,585
Progressive $5,770
State Farm $3,988
USAA $3,694

Cheap St. Louis, Missouri Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how St. Louis, Missouri annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in St. Louis, Missouri

Insurance Company Poor Fair Good
Allstate $7,701 $4,926 $4,044
American Family $6,268 $4,411 $3,718
Farmers $7,014 $5,849 $5,561
GEICO $5,568 $3,615 $2,884
Liberty Mutual $9,302 $5,665 $4,447
Nationwide $4,012 $3,301 $2,856
Progressive $7,087 $5,720 $5,201
State Farm $5,587 $3,533 $2,845
USAA $4,567 $2,109 $1,505

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Cheap St. Louis, Missouri Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in St. Louis, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in St. Louis, Missouri to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in St. Louis, Missouri

ZIP Code Average Annual Rates
63101 $3,935
63102 $3,914
63103 $3,898
63104 $3,789
63105 $3,439
63106 $4,199
63107 $4,273
63108 $3,876
63109 $3,602
63110 $3,767
63111 $3,975
63112 $4,010
63113 $4,330
63114 $3,151
63115 $4,288
63116 $3,951
63118 $4,084
63139 $3,596
63140 $3,544
63147 $4,254
63155 $3,853

Cheap St. Louis, Missouri Auto Insurance Rates By Commute

Commute length and annual mileage affect St. Louis, Missouri auto insurance. Find the cheapest annual St. Louis, Missouri auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in St. Louis, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,557 $5,557
American Family $4,752 $4,847
Farmers $6,141 $6,141
GEICO $3,949 $4,096
Liberty Mutual $6,471 $6,471
Nationwide $3,389 $3,389
Progressive $6,003 $6,003
State Farm $3,891 $4,085
USAA $2,630 $2,824

Cheap St. Louis, Missouri Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in St. Louis, Missouri? Check out the comparison of annual St. Louis, Missouri auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in St. Louis, Missouri

Insurance Company Low Medium High
Allstate $5,304 $5,544 $5,823
American Family $4,670 $4,948 $4,780
Farmers $5,699 $6,073 $6,652
GEICO $3,694 $4,058 $4,315
Liberty Mutual $6,065 $6,505 $6,844
Nationwide $3,163 $3,420 $3,585
Progressive $4,943 $6,039 $7,027
State Farm $3,705 $4,005 $4,254
USAA $2,627 $2,720 $2,834

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Best By Category: Cheapest Auto Insurance in St. Louis, Missouri

Compare the cheapest auto insurance companies in St. Louis, Missouri in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in St. Louis, Missouri

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest St. Louis, Missouri Auto Insurance Companies

What auto insurance companies in St. Louis, Missouri are the cheapest? Compare the top St. Louis, Missouri auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in St. Louis, Missouri

Insurance Company Average Annual Rates
Allstate $5,557
American Family $4,799
Farmers $6,141
GEICO $4,022
Liberty Mutual $6,471
Nationwide $3,389
Progressive $6,003
State Farm $3,988
USAA $2,727

What affects auto insurance rates in St. Louis, Missouri?

There are a lot of reasons why auto insurance rates in St. Louis, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in St. Louis, Missouri. Many local factors may affect your St. Louis auto insurance rates.

St. Louis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Louis, Missouri commute length is 26.1 minutes according to City-Data.

St. Louis Traffic

How does St. Louis, Missouri rank for traffic? According to Inrix St. Louis, Missouri is the 722nd most congested worldwide.

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Compare St. Louis, Missouri Auto Insurance Quotes

Before you buy St. Louis, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free St. Louis, Missouri auto insurance quotes.

Free Auto Insurance Comparison

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

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