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Cheap Car Insurance St Louis, MO

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Key takeaways

  • The average annual cost of auto insurance in St. Louis, Missouri, is $2,552.
  • The most expensive insurance rates were for young drivers in St. Louis.
  • Single drivers frequently pay more for insurance than married drivers in most US cities because they are more likely to file claims.
  • Reckless driving convictions in St. Louis will result in an average yearly rise in insurance costs.
  • Highways in St. Louis may be affected by winter storm conditions, so be ready.

How much does insurance cost in St. Louis?

In St. Louis, Missouri, The average cost of auto insurance is $2,552 a year. That is more expensive than both the national average of $1,557 and the average price for Missouri ($1,748).

Our St. Louis auto insurance guide provides typical prices based on your age, credit score, driving record, and if you're married.

These parameters will assist you in determining your auto insurance budget in St. Louis. Find out by continuing to read!

St. Louis rates v/s Missouri v/s National Average

St. Louis Average (annual) Missouri Average United States Average
$2552 $1748 $1557

St. Louis auto insurance premiums by Company

The insurance provider you use is one of the most significant factors in determining your auto insurance premiums. State Farm offers the average insurance customer the most affordable rates in St. Louis. Below, you'll find a list of the top St. Louis inexpensive car insurance providers.

Company Average Yearly Rate
State Farm $1,685
American Family $2,130
Farmers $2,519
Progressive $2,662

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St. Louis auto insurance premiums by Age Group

On average, auto insurance for St. Louis drivers in their fifty's costs just $2,139 annually. At just $2,159 a year, rates for drivers in their 60s in St. Louis are likewise rather reasonable.

Teenage drivers in St. Louis had the highest insurance costs. Growing out of your teen years is one of the best methods to reduce your auto insurance costs as a driver in St. Louis. The highest rate difference between any two age groups in St. Louis is between drivers in their 20s and those still in their teens: $6,281.

Age tier Average Annual Premium
Teenagers $9,725
20s $3,443
30s $2,481
40s $2,313
50s $2,139
60s $2,159
70s $2,616

St. Louis auto insurance premiums by Marital Status

The cost of a driver's auto insurance may occasionally depend on their marital status and Gender. Because they are more prone to submit claims, single drivers often pay more for insurance than married drivers in most US cities.

In St. Louis, married drivers' auto insurance costs are $222 less than those of single drivers. Of course, widowed people also pay a lot less in rates than single people do. But, interestingly, single drivers in St. Louis pay more than widower drivers.

Marital Status Average Annual Premium
Single $2,330
Married $2,330
Divorced $2,479
Widowed $2,440

St. Louis auto insurance premiums by Gender

Another element that may impact auto insurance premiums is Gender. For example, in St. Louis, female drivers pay $58 more annually for auto insurance than male drivers.

Gender Average Annual Premium
Female $2,610
Male $2,552

St. Louis auto insurance premiums by Driving Record

Keep your driving record spotless if you want to keep the cost of your auto insurance low. Car accidents that were not your fault, DUI convictions, reckless driving charges, and speeding tickets all result in higher insurance costs. Low rates are given as a reward by insurance firms to low-risk drivers.

They are driving while intoxicated, and DUI is two of the most expensive tickets. Drivers in St. Louis who are found guilty of reckless driving will see an average annual increase in insurance rates of $956. A speeding ticket can result in a $580 rate rise, while a DUI conviction might result in a $949 increase.

Incident/Violation Average Annual Rate
DUI/DWI $3,500
Reckless Driving $3,507
At-fault Accident (damages less than $1,000) $3,517
At-fault Accident (damages greater than $2,000) $3,849
Speeding Ticket (16-20 mph over speed limit) $3,132

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St. Louis auto insurance premiums by Credit Rating

A good credit score has many benefits, including cheaper auto insurance. Generally speaking, drivers with better credit histories pay less for auto insurance than those with less-than-ideal than ideal credit histories. For example, drivers in St. Louis can save as much as 67% on their auto insurance by raising their credit score from "Very Poor" (300-579) to "Exceptional" (800-850).

One of the most effective moves a driver can make in the search for lower auto insurance premiums is to move from the "Very Poor" credit rating to the "Fair" credit tier. For example, lowering your credit score to "Fair" in St. Louis is associated with a $2,636 yearly savings on auto insurance.

Credit Level Average Annual Rate
Very Poor $5,788
Fair $3,152
Good $2,552
Very Good $2,228
Exceptional $1,914

St. Louis auto insurance premiums by Zip Code

The cost of auto insurance might vary significantly based on where you live in a city like St. Louis. In addition, your rates may be affected by regional variables, including the frequency of accidents, the number of fines issued, and the availability of safe, off-street parking in your area.

ZIP code Average Annual Premium
63101 $2,471
63102 $2,472
63103 $2,479
63104 $2,460
63106 $2,720
63107 $2,775
63108 $2,460
63109 $2,006
63110 $2,372
63111 $2,458
63112 $2,525
63113 $2,738
63115 $2,753
63116 $2,210
63118 $2,532
63120 $2,705
63128 $1,695
63139 $2,025
63140 $2,101
63146 $1,696
63147 $2,712
63155 $2,382

What would increase your car insurance rates in St. Louis?

Your auto insurance costs are influenced by where you reside in St. Louis. Where you live is one of the main determinants of the vehicle insurance premiums you'll pay, along with your driving record and credit score. The cause? By ZIP code, crime, theft, and uninsured drivers differ. Therefore, if you live in a community where people don't get along, vehicle insurance companies may view you as a high risk to cover, resulting in higher rates than those of a nearby friend.

Auto Theft Statistics in St. Louis

Auto Theft Auto Thefts (Per 1000s)
2006 8645
2007 6282
2008 5841
2009 4692
2010 4263
2011 3369
2012 3489
2013 3330
2014 3247
2015 3146
2016 3058
2017 2713
2018 2750
2019 2888

Tips for driving in St. Louis, Missouri

  • Parking is a necessary component of driving. Fortunately, locating a space won't take up hours of your time or cost you an arm and a leg. There are many on-street parking spaces and off-street parking lots to choose from. Metered spaces are additionally free on Sundays and legal holidays.
  • Winter storm conditions can affect St. Louis highways, so be prepared. Preparations include inspecting older vehicles, checking the tread depth on your tires, and keeping an emergency cold-weather kit on hand in case you become stranded. On most winter days, you won't need to utilize such gear to travel across St. Louis securely. To be safe rather than sorry.
  • Whether traveling through Seattle or St. Louis, the right vehicle may make all the difference. First, verify that the car you've decided on has received decent crash safety ratings.
  • Additionally, consider buying a car with the newest safety features, such as lane-keeping assistance, frontal collision alerts, and evasive steering help.

Driving Conditions

Rainy weather also results in sloppy roads, wet brakes, and reduced visibility.

The worst of it is not even that. Each year, more than 700,000 automobile accidents happen in this weather. You may anticipate 113 wet days and 41 inches of yearly precipitation in St. Louis. However, severe winter storms have also hit St. Louis.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

How to find the cheapest car insurance in St. Louis, MO?

A range of rating elements, including driving history, demographic information, and other factors, are considered when Way.com prepares the lists of auto insurance providers by pricing. It's crucial to remember that premiums are calculated individually for each driver, and insurance providers assess each application to determine the degree of risk it poses. As a result, rates differ for each policyholder.

How much is car insurance in St. Louis, MO?

The average annual cost of auto insurance in St. Louis, Missouri, is $2,552.

Why is car insurance so expensive in St Louis?

There are many reasons why auto insurance is expensive in St. Louis. Firstly, In Missouri, more people are driving. As a result, there are more incidents, claims, and settlements.

Also, the costs of auto repairs are rising. The extra technology and amenities in today's vehicles increase the expense of repairs.

Similarly, In Missouri, uninsured drivers are common. In addition, more drivers are choosing to drive without insurance since auto insurance costs keep increasing.

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