Cheapest Car Insurance Quotes in St. Louis

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St. Louis Car Insurance

^$ 40

/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. Louis

The car insurance rate in St. Louis is $1606 for a six-month policy, which is $442 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $689, making it a popular choice for budget-conscious drivers. Rates in St. Louis 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. Louis

$1606

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in St. Louis

1st place: American Family

At $689 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 $926 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $951 for six months, making it the third cheapest auto insurance company in St. Louis.

St. Louis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in St. Louis, MO is American Family, offering policies at just $689 for a six-month term. This is followed by USAA, which has an average six-month premium of $926.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3926 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help St. Louis drivers find the best deals.

Cheap Car Insurance Companies in St. Louis, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$689	$117
USAA	$926	$156
Travelers	$951	$160
Encompass	$1296	$215
Shelter	$1336	$225
State Farm	$1459	$246
Electric	$1508	$257
Farm Bureau	$1550	$258
Missouri Farm Bureau	$1648	$280
Progressive	$1706	$287
Allstate	$1828	$308
Nationwide	$2066	$344
Farmers	$3926	$668

Key Takeaways

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

The auto insurance costs in St. Louis fall around $689 for six months.
The cheapest auto insurance company in St. Louis is USAA.
Teen drivers pay the highest rate in St. Louis at $2143 per month.

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Cheapest Minimum Liability Car Insurance in St. Louis

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. Louis are given below.

USAA provides the cheapest minimum car insurance coverage in St. Louis. Their Average 6 Month Premium is $237. Farmers is the most expensive at $1410 for the same period.

Cheapest Liability Coverage in St. Louis, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$237	$40
Missouri Farm Bureau	$262	$44
Electric	$337	$57
Travelers	$344	$58
Farm Bureau	$352	$59
American Family	$368	$62
Encompass	$385	$65
Progressive	$393	$66
Shelter	$483	$81
State Farm	$516	$87
Nationwide	$828	$138
Allstate	$861	$145
Farmers	$1410	$235

Cheapest Full Coverage Car Insurance in St. Louis

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. Louis is American Family at $117 per month and $689 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$689	$117
USAA	$926	$156
Travelers	$951	$160
Encompass	$1296	$215
Shelter	$1336	$225
State Farm	$1459	$246
Electric	$1508	$257
Farm Bureau	$1550	$258
Missouri Farm Bureau	$1648	$280
Progressive	$1706	$287
Allstate	$1828	$308
Nationwide	$2066	$344
Farmers	$3926	$668

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

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

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. Louis,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. Louis at $58 per month. At $12862 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	$344	$58
American Family	$393	$66
Travelers	$1492	$251
USAA	$1508	$254
Progressive	$2877	$484
State Farm	$2967	$500
Shelter	$3312	$558
Farm Bureau	$4025	$684
Allstate	$5230	$880
Nationwide	$6304	$1072
Farmers	$12862	$2143

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. Louis, Kemper is the cheapest car insurance provider. At $631 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. Louis is Farmers, offering rates of around $7985 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$631	$108
American Family	$672	$112
Nationwide	$778	$132
Travelers	$1254	$211
USAA	$1450	$247
Progressive	$1828	$308
Shelter	$2099	$353
Farm Bureau	$2607	$435
Allstate	$3058	$515
State Farm	$5534	$922
Farmers	$7985	$1358

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Car Insurance Rates with An Accident in St. Louis

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

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

The cheapest car insurance companies after an at-fault accident in St. Louis include Missouri Farm Bureau and Electric, offering $287 and $410, respectively. Farmers is an expensive provider with an average six-month premium of $5599.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$287	$48
Electric	$410	$70
American Family	$451	$75
Encompass	$524	$90
USAA	$747	$126
Travelers	$845	$142
Progressive	$1238	$208
State Farm	$1288	$217
Shelter	$1442	$243
Farm Bureau	$2000	$339
Nationwide	$3058	$509
Allstate	$3714	$625
Farmers	$5599	$933

St. Louis Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in St. Louis MO. For example, the car insurance in St. Louis after a DUI increases to $1115 for a six month policy. While the rate increases by $385 for a six-month policy in the case of a speeding ticket.

St. Louis auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2205	$367
One Med/PIP claim	$2205	$375
Not-at-fault accident	$2270	$378
One comp claim	$2287	$389
Two Med/PIP claims	$2287	$381
Two comp claims	$2434	$414
Failure to wear a seat belt	$2501	$417
Failure to show documents	$2509	$426
Child safety restraint	$2549	$425
Driving without lights	$2549	$433
Driving with expired registration	$2565	$428
Cell phone violation	$2582	$439
Driving too slowly	$2582	$431
Following too closely	$2582	$439
Speeding in school zone	$2582	$431
Failure to yield	$2590	$440
Speeding 11 - 15 MPH over limit	$2590	$432
Speeding 16 - 20 MPH over limit	$2590	$440
Speeding 6 - 10 MPH over limit	$2590	$432
Texting while driving	$2590	$440
Illegal turn	$2599	$433
Wrong way/wrong lane	$2599	$442
Failure to stop at a red light	$2607	$435
Improper passing	$2607	$443
Speeding 21 - 25 MPH over limit	$2607	$435
In 65 MPH zone	$2623	$446
Passing school bus	$2672	$446
Open container	$2754	$468
Operating a vehicle without permission	$2819	$471
At-fault accident - less than $1000	$3050	$519
At-fault accident - $1000-$2000	$3221	$537
At-fault accident - greater than $2000	$3221	$548
Refusal to submit to a chemical test	$3262	$544
DUI	$3320	$564
Driving with a suspended license	$3393	$566
Racing	$3476	$591
Leaving scene of an accident/hit and run	$3525	$588
Reckless driving	$3566	$606

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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. Louis 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. Louis.

The cheapest car insurance premiums in St. Louis are offered by Missouri Farm Bureau at $344 for a six-month policy. However, it can be as expensive as $7180 with companies like Farmers.

St. Louis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$344	$58
American Family	$443	$73
Kemper	$549	$94
Travelers	$886	$149
USAA	$1132	$190
Progressive	$1188	$200
Shelter	$1606	$270
State Farm	$1746	$294
Farm Bureau	$1885	$320
Allstate	$3042	$512
Nationwide	$3812	$649
Farmers	$7180	$1196

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. Louis are offered by American Family at $443. However, it can be as expensive as $4985 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in St. Louis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$443	$76
Travelers	$918	$155
USAA	$951	$161
Shelter	$1057	$178
State Farm	$1132	$190
Progressive	$1377	$232
Farm Bureau	$1598	$272
Allstate	$2763	$461
Farmers	$4985	$847

Car Insurance Price Trends in St. Louis, Missouri

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

The average cost of full coverage in the St. Louis remained steady at $308 in both April and March, indicating no change over the two month period.

The average cost of liability insurance in the St. Louis remained steady at $77 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. Louis?

The car insurance in St. Louis is $40 per month, which is lower than the national average.

What is the cheapest car insurance in St. Louis?

The cheapest car insurance in St. Louis is $117 per month for full coverage.

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

Car insurance for teenagers costs $344 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. Louis?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $270 per month to insure your car in St. Louis.

Is car insurance expensive in St. Louis?

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

Cheapest Car Insurance Quotes in St. Louis

Why you can trust Way?

How Much Is Car Insurance in St. Louis

Avg. Car Insurance in St. Louis

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in St. Louis

1st place: American Family

2nd place: USAA

3rd place: Travelers

St. Louis Car Insurance Rates by Company

Cheap Car Insurance Companies in St. Louis, MO

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

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in St. Louis

Cheapest Liability Coverage in St. Louis, MO

Cheapest Full Coverage Car Insurance in St. Louis

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

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in St. Louis by Rating Factor

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

Car Insurance Premiums by Age in St. Louis

Cheapest Car Insurance Companies Based on Age Group

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

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

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. Louis

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

St. Louis Car Insurance Rates by Violation

St. Louis auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in St. Louis after a DUI

St. Louis car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in St. Louis after Speeding ticket

Car Insurance Price Trends in St. Louis, Missouri

Average Car Insurance Cost in St. Louis by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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

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

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Data Sources