Cheapest Car Insurance Quotes in St. John

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St. John Car Insurance

^$ 35

/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. John

The car insurance rate in St. John is $1420 for a six-month policy, which is $256 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $609, making it a popular choice for budget-conscious drivers. Rates in St. John 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. John

$1420

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in St. John

1st place: American Family

At $609 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 $819 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $841 for six months, making it the third cheapest auto insurance company in St. John.

St. John Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. John, MO is American Family, offering policies at just $609 for a six-month term. This is followed by USAA, which has an average six-month premium of $819.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3471 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. John drivers find the best deals.

Cheap Car Insurance Companies in St. John, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$609	$104
USAA	$819	$138
Travelers	$841	$142
Encompass	$1146	$190
Shelter	$1181	$199
State Farm	$1290	$217
Electric	$1333	$227
Farm Bureau	$1370	$228
Missouri Farm Bureau	$1457	$248
Progressive	$1508	$254
Allstate	$1617	$272
Nationwide	$1826	$304
Farmers	$3471	$590

Key Takeaways

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

The auto insurance costs in St. John fall around $609 for six months.
The cheapest auto insurance company in St. John is USAA.
Teen drivers pay the highest rate in St. John at $1895 per month.

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Cheapest Minimum Liability Car Insurance in St. John

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. John are given below.

USAA provides the cheapest minimum car insurance coverage in St. John. Their Average 6 Month Premium is $210. Farmers is the most expensive at $1247 for the same period.

Cheapest Liability Coverage in St. John, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$210	$35
Missouri Farm Bureau	$232	$39
Electric	$298	$50
Travelers	$304	$51
Farm Bureau	$311	$52
American Family	$326	$55
Encompass	$340	$57
Progressive	$348	$59
Shelter	$427	$72
State Farm	$456	$77
Nationwide	$732	$122
Allstate	$761	$128
Farmers	$1247	$207

Cheapest Full Coverage Car Insurance in St. John

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. John is American Family at $104 per month and $609 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$609	$104
USAA	$819	$138
Travelers	$841	$142
Encompass	$1146	$190
Shelter	$1181	$199
State Farm	$1290	$217
Electric	$1333	$227
Farm Bureau	$1370	$228
Missouri Farm Bureau	$1457	$248
Progressive	$1508	$254
Allstate	$1617	$272
Nationwide	$1826	$304
Farmers	$3471	$590

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

Despite maintaining a clean driving record, your car insurance rates in St. John, 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. John'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. John

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. John,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. John at $51 per month. At $11370 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	$304	$51
American Family	$348	$59
Travelers	$1319	$222
USAA	$1333	$224
Progressive	$2544	$428
State Farm	$2623	$442
Shelter	$2928	$493
Farm Bureau	$3559	$605
Allstate	$4624	$778
Nationwide	$5573	$948
Farmers	$11370	$1895

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. John, Kemper is the cheapest car insurance provider. At $558 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. John is Farmers, offering rates of around $7059 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$558	$95
American Family	$594	$99
Nationwide	$688	$117
Travelers	$1109	$187
USAA	$1282	$218
Progressive	$1617	$272
Shelter	$1856	$312
Farm Bureau	$2305	$384
Allstate	$2704	$455
State Farm	$4892	$815
Farmers	$7059	$1200

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Car Insurance Rates with An Accident in St. John

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

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

The cheapest car insurance companies after an at-fault accident in St. John include Missouri Farm Bureau and Electric, offering $254 and $362, respectively. Farmers is an expensive provider with an average six-month premium of $4950.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$254	$43
Electric	$362	$62
American Family	$399	$66
Encompass	$464	$79
USAA	$660	$111
Travelers	$747	$126
Progressive	$1094	$184
State Farm	$1138	$192
Shelter	$1275	$215
Farm Bureau	$1768	$300
Nationwide	$2704	$450
Allstate	$3283	$553
Farmers	$4950	$825

St. John Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. John MO. For example, the car insurance in St. John after a DUI increases to $985 for a six month policy. While the rate increases by $340 for a six-month policy in the case of a speeding ticket.

St. John auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1950	$325
One Med/PIP claim	$1950	$332
Not-at-fault accident	$2007	$334
One comp claim	$2022	$344
Two Med/PIP claims	$2022	$337
Two comp claims	$2152	$366
Failure to wear a seat belt	$2211	$368
Failure to show documents	$2218	$377
Child safety restraint	$2253	$376
Driving without lights	$2253	$383
Driving with expired registration	$2268	$378
Cell phone violation	$2283	$388
Driving too slowly	$2283	$381
Following too closely	$2283	$388
Speeding in school zone	$2283	$381
Failure to yield	$2290	$389
Speeding 11 - 15 MPH over limit	$2290	$382
Speeding 16 - 20 MPH over limit	$2290	$389
Speeding 6 - 10 MPH over limit	$2290	$382
Texting while driving	$2290	$389
Illegal turn	$2297	$383
Wrong way/wrong lane	$2297	$390
Failure to stop at a red light	$2305	$384
Improper passing	$2305	$392
Speeding 21 - 25 MPH over limit	$2305	$384
In 65 MPH zone	$2319	$394
Passing school bus	$2362	$394
Open container	$2435	$414
Operating a vehicle without permission	$2492	$416
At-fault accident - less than $1000	$2696	$459
At-fault accident - $1000-$2000	$2847	$475
At-fault accident - greater than $2000	$2847	$484
Refusal to submit to a chemical test	$2884	$481
DUI	$2935	$499
Driving with a suspended license	$3000	$500
Racing	$3073	$522
Leaving scene of an accident/hit and run	$3116	$520
Reckless driving	$3152	$536

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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. John 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. John.

The cheapest car insurance premiums in St. John are offered by Missouri Farm Bureau at $304 for a six-month policy. However, it can be as expensive as $6348 with companies like Farmers.

St. John car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$304	$51
American Family	$392	$65
Kemper	$486	$83
Travelers	$783	$132
USAA	$1000	$168
Progressive	$1050	$177
Shelter	$1420	$239
State Farm	$1543	$260
Farm Bureau	$1667	$283
Allstate	$2689	$453
Nationwide	$3370	$573
Farmers	$6348	$1058

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. John are offered by American Family at $392. However, it can be as expensive as $4407 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in St. John after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$392	$67
Travelers	$811	$137
USAA	$841	$143
Shelter	$935	$157
State Farm	$1000	$168
Progressive	$1218	$205
Farm Bureau	$1413	$240
Allstate	$2442	$407
Farmers	$4407	$749

Car Insurance Price Trends in St. John, Missouri

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

The average cost of full coverage in the St. John remained steady at $272 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the St. John remained steady at $68 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in St. John?

The car insurance in St. John is $35 per month, which is lower than the national average.

What is the cheapest car insurance in St. John?

The cheapest car insurance in St. John is $104 per month for full coverage.

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

Car insurance for teenagers costs $304 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. John?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $239 per month to insure your car in St. John.

Is car insurance expensive in St. John?

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

Cheapest Car Insurance Quotes in St. John

Why you can trust Way?

How Much Is Car Insurance in St. John

Avg. Car Insurance in St. John

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in St. John

1st place: American Family

2nd place: USAA

3rd place: Travelers

St. John Car Insurance Rates by Company

Cheap Car Insurance Companies in St. John, MO

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

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in St. John

Cheapest Liability Coverage in St. John, MO

Cheapest Full Coverage Car Insurance in St. John

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

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in St. John by Rating Factor

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

Car Insurance Premiums by Age in St. John

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in St. John,MO

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

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 St. John

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

St. John Car Insurance Rates by Violation

St. John auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in St. John after a DUI

St. John car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in St. John after Speeding ticket

Car Insurance Price Trends in St. John, Missouri

Average Car Insurance Cost in St. John by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near St. John, MO

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

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