Cheapest Car Insurance Quotes in St. Elizabeth

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St. Elizabeth Car Insurance

^$ 29

/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 St. Elizabeth

The car insurance rate in St. Elizabeth is $1176 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $504, making it a popular choice for budget-conscious drivers. Rates in St. Elizabeth 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 St. Elizabeth

$1176

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in St. Elizabeth

1st place: American Family

At $504 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $678 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $696 for six months, making it the third cheapest auto insurance company in St. Elizabeth.

St. Elizabeth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Elizabeth, MO is American Family, offering policies at just $504 for a six-month term. This is followed by USAA, which has an average six-month premium of $678.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2873 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Elizabeth drivers find the best deals.

Cheap Car Insurance Companies in St. Elizabeth, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$504	$86
USAA	$678	$114
Travelers	$696	$117
Encompass	$948	$158
Shelter	$978	$165
State Farm	$1068	$180
Electric	$1104	$188
Farm Bureau	$1134	$189
Missouri Farm Bureau	$1206	$205
Progressive	$1248	$210
Allstate	$1338	$225
Nationwide	$1512	$251
Farmers	$2873	$489

Key Takeaways

Way's key takeaways about car insurance in St. Elizabeth

The auto insurance costs in St. Elizabeth fall around $504 for six months.
The cheapest auto insurance company in St. Elizabeth is USAA.
Teen drivers pay the highest rate in St. Elizabeth at $1569 per month.

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Cheapest Minimum Liability Car Insurance in St. Elizabeth

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 St. Elizabeth are given below.

USAA provides the cheapest minimum car insurance coverage in St. Elizabeth. Their Average 6 Month Premium is $174. Farmers is the most expensive at $1032 for the same period.

Cheapest Liability Coverage in St. Elizabeth, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$174	$29
Missouri Farm Bureau	$192	$32
Electric	$246	$41
Travelers	$251	$42
Farm Bureau	$258	$43
American Family	$270	$45
Encompass	$282	$47
Progressive	$288	$48
Shelter	$354	$60
State Farm	$378	$64
Nationwide	$606	$101
Allstate	$630	$106
Farmers	$1032	$172

Cheapest Full Coverage Car Insurance in St. Elizabeth

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 St. Elizabeth is American Family at $86 per month and $504 for six months.

Cheapest Full Coverage Car Insurance Quotes in St. Elizabeth, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$504	$86
USAA	$678	$114
Travelers	$696	$117
Encompass	$948	$158
Shelter	$978	$165
State Farm	$1068	$180
Electric	$1104	$188
Farm Bureau	$1134	$189
Missouri Farm Bureau	$1206	$205
Progressive	$1248	$210
Allstate	$1338	$225
Nationwide	$1512	$251
Farmers	$2873	$489

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Average Car Insurance in St. Elizabeth 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 St. Elizabeth, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in St. Elizabeth, 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, St. Elizabeth's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in St. Elizabeth

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 St. Elizabeth,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 St. Elizabeth at $42 per month. At $9413 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$251	$42
American Family	$288	$48
Travelers	$1092	$184
USAA	$1104	$186
Progressive	$2106	$355
State Farm	$2172	$366
Shelter	$2424	$408
Farm Bureau	$2946	$501
Allstate	$3828	$644
Nationwide	$4614	$785
Farmers	$9413	$1569

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 St. Elizabeth, Kemper is the cheapest car insurance provider. At $462 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 St. Elizabeth is Farmers, offering rates of around $5844 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$462	$79
American Family	$492	$82
Nationwide	$570	$97
Travelers	$918	$155
USAA	$1062	$181
Progressive	$1338	$225
Shelter	$1536	$259
Farm Bureau	$1908	$318
Allstate	$2238	$377
State Farm	$4050	$675
Farmers	$5844	$994

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Car Insurance Rates with An Accident in St. Elizabeth

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 St. Elizabeth, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in St. Elizabeth

The cheapest car insurance companies after an at-fault accident in St. Elizabeth include Missouri Farm Bureau and Electric, offering $210 and $300, respectively. Farmers is an expensive provider with an average six-month premium of $4098.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$210	$35
Electric	$300	$52
American Family	$330	$55
Encompass	$384	$66
USAA	$546	$92
Travelers	$618	$104
Progressive	$906	$153
State Farm	$942	$159
Shelter	$1055	$178
Farm Bureau	$1463	$248
Nationwide	$2238	$373
Allstate	$2718	$458
Farmers	$4098	$683

St. Elizabeth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Elizabeth MO. For example, the car insurance in St. Elizabeth after a DUI increases to $816 for a six month policy. While the rate increases by $282 for a six-month policy in the case of a speeding ticket.

St. Elizabeth auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1614	$269
One Med/PIP claim	$1614	$275
Not-at-fault accident	$1661	$277
One comp claim	$1674	$285
Two Med/PIP claims	$1674	$279
Two comp claims	$1782	$303
Failure to wear a seat belt	$1830	$305
Failure to show documents	$1836	$312
Child safety restraint	$1865	$311
Driving without lights	$1865	$317
Driving with expired registration	$1878	$313
Cell phone violation	$1890	$321
Driving too slowly	$1890	$315
Following too closely	$1890	$321
Speeding in school zone	$1890	$315
Failure to yield	$1896	$322
Speeding 11 - 15 MPH over limit	$1896	$316
Speeding 16 - 20 MPH over limit	$1896	$322
Speeding 6 - 10 MPH over limit	$1896	$316
Texting while driving	$1896	$322
Illegal turn	$1902	$317
Wrong way/wrong lane	$1902	$323
Failure to stop at a red light	$1908	$318
Improper passing	$1908	$324
Speeding 21 - 25 MPH over limit	$1908	$318
In 65 MPH zone	$1920	$326
Passing school bus	$1955	$326
Open container	$2016	$342
Operating a vehicle without permission	$2063	$344
At-fault accident - less than $1000	$2232	$380
At-fault accident - $1000-$2000	$2357	$393
At-fault accident - greater than $2000	$2357	$401
Refusal to submit to a chemical test	$2388	$398
DUI	$2430	$413
Driving with a suspended license	$2484	$414
Racing	$2544	$432
Leaving scene of an accident/hit and run	$2580	$430
Reckless driving	$2610	$443

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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 St. Elizabeth 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 St. Elizabeth.

The cheapest car insurance premiums in St. Elizabeth are offered by Missouri Farm Bureau at $251 for a six-month policy. However, it can be as expensive as $5255 with companies like Farmers.

St. Elizabeth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$251	$42
American Family	$324	$54
Kemper	$402	$69
Travelers	$648	$109
USAA	$828	$139
Progressive	$870	$146
Shelter	$1176	$198
State Farm	$1278	$215
Farm Bureau	$1380	$234
Allstate	$2226	$375
Nationwide	$2790	$475
Farmers	$5255	$876

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 St. Elizabeth are offered by American Family at $324. However, it can be as expensive as $3648 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in St. Elizabeth after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$324	$56
Travelers	$672	$113
USAA	$696	$118
Shelter	$774	$130
State Farm	$828	$139
Progressive	$1008	$170
Farm Bureau	$1170	$199
Allstate	$2022	$337
Farmers	$3648	$620

Car Insurance Price Trends in St. Elizabeth, Missouri

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

The average cost of full coverage in the St. Elizabeth remained steady at $225 in both April and March, indicating no change over the two month period.

The average cost of liability insurance in the St. Elizabeth remained steady at $57 in both April and March, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in St. Elizabeth?

The car insurance in St. Elizabeth is $29 per month, which is lower than the national average.

What is the cheapest car insurance in St. Elizabeth?

The cheapest car insurance in St. Elizabeth is $86 per month for full coverage.

How much is car insurance in St. Elizabeth for teenagers?

Car insurance for teenagers costs $251 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 St. Elizabeth?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $198 per month to insure your car in St. Elizabeth.

Is car insurance expensive in St. Elizabeth?

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

What is the best car insurance in St. Elizabeth, MO?

The best car insurance company in St. Elizabeth MO is American Family, offering $504 for a six-month policy.