Key takeaways
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 Average (annual) | Missouri Average | United States Average |
|---|---|---|
| $2552 | $1748 | $1557 |
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 |
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.
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 |
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 |
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 |
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 |
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 |
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 | 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 |
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.
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
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.
The average annual cost of auto insurance in St. Louis, Missouri, is $2,552.
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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