Cheapest Car Insurance Quotes in Creve Coeur

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Creve Coeur Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Creve Coeur

The car insurance rate in Creve Coeur is $1059 for a six-month policy, which is $78 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in Creve Coeur can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Creve Coeur

$1059

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Creve Coeur

1st place: American Family

At $539 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $757 for six months, making it the third cheapest auto insurance company in Creve Coeur.

Creve Coeur Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Creve Coeur, MO is American Family, offering policies at just $539 for a six-month term. This is followed by Travelers, which has an average six-month premium of $680.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1617 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Creve Coeur drivers find the best deals.

Cheap Car Insurance Companies in Creve Coeur, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$539	$92
Travelers	$680	$114
USAA	$757	$127
Shelter	$1008	$170
Encompass	$1014	$173
State Farm	$1071	$180
Electric	$1180	$201
Allstate	$1219	$205
Progressive	$1283	$216
Missouri Farm Bureau	$1290	$215
Nationwide	$1617	$275

Key Takeaways

Way's key takeaways about car insurance in Creve Coeur

The auto insurance costs in Creve Coeur fall around $539 for six months.
The cheapest auto insurance company in Creve Coeur is USAA.
Teen drivers pay the highest rate in Creve Coeur at $822 per month.

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Cheapest Minimum Liability Car Insurance in Creve Coeur

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Creve Coeur are given below.

USAA provides the cheapest minimum car insurance coverage in Creve Coeur. Their Average 6 Month Premium is $186. Nationwide is the most expensive at $648 for the same period.

Cheapest Liability Coverage in Creve Coeur, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$186	$31
Missouri Farm Bureau	$205	$35
Travelers	$251	$42
Electric	$264	$44
Progressive	$282	$48
American Family	$288	$49
Encompass	$301	$51
Shelter	$360	$60
State Farm	$384	$65
Allstate	$578	$98
Nationwide	$648	$108

Cheapest Full Coverage Car Insurance in Creve Coeur

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Creve Coeur is American Family at $92 per month and $539 for six months.

Cheapest Full Coverage Car Insurance Quotes in Creve Coeur, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$539	$92
Travelers	$680	$114
USAA	$757	$127
Shelter	$1008	$170
Encompass	$1014	$173
State Farm	$1071	$180
Electric	$1180	$201
Allstate	$1219	$205
Progressive	$1283	$216
Missouri Farm Bureau	$1290	$215
Nationwide	$1617	$275

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Average Car Insurance in Creve Coeur by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Creve Coeur, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Creve Coeur, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Creve Coeur's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Creve Coeur

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Creve Coeur,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Creve Coeur at $45 per month. At $4933 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$269	$45
American Family	$308	$52
Travelers	$738	$124
USAA	$1135	$191
Progressive	$1656	$279
State Farm	$1854	$312
Shelter	$2188	$365
Allstate	$4407	$750
Nationwide	$4933	$822

Teen Car Insurance Rates in MO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Creve Coeur, Progressive is the cheapest car insurance provider. At $391 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Creve Coeur is Allstate, offering rates of around $629 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$391	$67
Travelers	$404	$67
Kemper	$494	$84
American Family	$526	$87
Shelter	$552	$94
Nationwide	$609	$102
Allstate	$629	$107

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Car Insurance Rates with An Accident in Creve Coeur

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Creve Coeur, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Creve Coeur

The cheapest car insurance companies after an at-fault accident in Creve Coeur include Missouri Farm Bureau and Electric, offering $225 and $321, respectively. Allstate is an expensive provider with an average six-month premium of $2598.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$225	$38
Electric	$321	$55
American Family	$353	$58
Encompass	$410	$70
Travelers	$487	$82
USAA	$500	$84
Progressive	$699	$118
State Farm	$847	$143
Shelter	$949	$160
Nationwide	$2393	$407
Allstate	$2598	$433

Creve Coeur Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Creve Coeur MO. For example, the car insurance in Creve Coeur after a DUI increases to $872 for a six month policy. While the rate increases by $301 for a six-month policy in the case of a speeding ticket.

Creve Coeur auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1726	$287
One Med/PIP claim	$1726	$294
Not-at-fault accident	$1777	$296
One comp claim	$1790	$305
Two Med/PIP claims	$1790	$298
Two comp claims	$1905	$324
Failure to wear a seat belt	$1957	$326
Failure to show documents	$1963	$334
Child safety restraint	$1995	$333
Driving without lights	$1995	$339
Driving with expired registration	$2008	$335
Cell phone violation	$2021	$343
Driving too slowly	$2021	$337
Following too closely	$2021	$343
Speeding in school zone	$2021	$337
Failure to yield	$2027	$345
Speeding 11 - 15 MPH over limit	$2027	$338
Speeding 16 - 20 MPH over limit	$2027	$345
Speeding 6 - 10 MPH over limit	$2027	$338
Texting while driving	$2027	$345
Illegal turn	$2034	$339
Wrong way/wrong lane	$2034	$346
Failure to stop at a red light	$2040	$340
Improper passing	$2040	$347
Speeding 21 - 25 MPH over limit	$2040	$340
In 65 MPH zone	$2053	$349
Passing school bus	$2091	$349
Open container	$2156	$366
Operating a vehicle without permission	$2206	$368
At-fault accident - less than $1000	$2387	$406
At-fault accident - $1000-$2000	$2521	$420
At-fault accident - greater than $2000	$2521	$429
Refusal to submit to a chemical test	$2553	$426
DUI	$2598	$442
Driving with a suspended license	$2656	$443
Racing	$2721	$462
Leaving scene of an accident/hit and run	$2758	$460
Reckless driving	$2791	$474

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Creve Coeur after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Creve Coeur.

The cheapest car insurance premiums in Creve Coeur are offered by Missouri Farm Bureau at $269 for a six-month policy. However, it can be as expensive as $2983 with companies like Nationwide.

Creve Coeur car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$269	$45
American Family	$347	$57
Kemper	$430	$73
Travelers	$519	$87
Progressive	$642	$108
USAA	$796	$134
State Farm	$899	$151
Shelter	$1045	$176
Allstate	$2258	$384
Nationwide	$2983	$497

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Creve Coeur are offered by Progressive at $308. However, it can be as expensive as $462 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Creve Coeur after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$308	$52
Travelers	$327	$54
American Family	$347	$59
State Farm	$384	$64
Shelter	$462	$79

Car Insurance Price Trends in Creve Coeur, Missouri

Car insurance rates in Creve Coeur have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Creve Coeur remained steady at $140 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Creve Coeur remained steady at $52 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Creve Coeur?

The car insurance in Creve Coeur is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Creve Coeur?

The cheapest car insurance in Creve Coeur is $92 per month for full coverage.

How much is car insurance in Creve Coeur for teenagers?

Car insurance for teenagers costs $269 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Creve Coeur?

The average cost of car insurance is $981 for a six-month policy. It will cost around $178 per month to insure your car in Creve Coeur.

Is car insurance expensive in Creve Coeur?

Car insurance can be expensive in Creve Coeur if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Creve Coeur can be affordable.

Cheapest Car Insurance Quotes in Creve Coeur

Why you can trust Way?

How Much Is Car Insurance in Creve Coeur

Avg. Car Insurance in Creve Coeur

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Creve Coeur

1st place: American Family

2nd place: Travelers

3rd place: USAA

Creve Coeur Car Insurance Rates by Company

Cheap Car Insurance Companies in Creve Coeur, MO

Way's key takeaways about car insurance in Creve Coeur

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Creve Coeur

Cheapest Liability Coverage in Creve Coeur, MO

Cheapest Full Coverage Car Insurance in Creve Coeur

Cheapest Full Coverage Car Insurance Quotes in Creve Coeur, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Creve Coeur by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Creve Coeur, MO increasing?

Car Insurance Premiums by Age in Creve Coeur

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Creve Coeur,MO

If you are in your twenties N/A is the best choice for car insurance in Creve Coeur.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Creve Coeur

Cheapest Car Insurance Companies after an At-Fault Accident in Creve Coeur

Creve Coeur Car Insurance Rates by Violation

Creve Coeur auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Creve Coeur after a DUI

Creve Coeur car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Creve Coeur after Speeding ticket

Car Insurance Price Trends in Creve Coeur, Missouri

Average Car Insurance Cost in Creve Coeur by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Creve Coeur, MO

Car Insurance Rates by State in the USA (2025 Update)

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