Cheapest Auto Insurance in St. Louis, Missouri (2025)

Car insurance policies in St. Louis cost an average of $212 per month — considerably more than the national average of $143 per month. Known for its iconic Gateway Arch, successful sports teams, and impressive arts scene, St. Louis is the second-largest city in Missouri.1 2

The large number of drivers on St. Louis’ roadways and the city’s relatively high number of property crimes likely contribute to its higher-than-average car insurance costs. But some top insurers offer rates below the city average.

Here’s what you need to know about finding cheap car insurance in St. Louis.

3 of the cheapest car insurance companies in St. Louis

The best car insurance companies vary from one city to the next, but it’s always important to consider your insurance needs and finances. Car insurance is a recurring expense, and finding a policy that fits your budget and provides adequate coverage is essential.

State Farm, USAA, and American Family offer the most competitive rates for a few common types of drivers in St. Louis. Even so, the best insurance company for you may be entirely different. Each driver has a unique driving history, and each insurer calculates rates differently, which only emphasizes the importance of comparing car insurance quotes before buying.

Best insurer for cheap rates: State Farm

Best insurer for military families: USAA

Best insurer for accident forgiveness: American Family

How to get the cheapest car insurance in St. Louis

Your credit score, age, location, driving record, and vehicle all affect your car insurance rates. While you can’t change some of these factors, you can take steps to secure a better deal.

Here are some simple strategies for lowering your car insurance bill:

• Limit your mileage. If you only drive a few hundred miles monthly, consider switching to a usage-based policy where you only pay for the miles you drive. Make sure to estimate your annual mileage accurately. If you drive infrequently, you’ll typically pay less.

• Apply for discounts. Most insurers offer a variety of discounts. Check for discounts related to age, driving record, student status, and loyalty.

• Bundle policies. You can usually qualify for a discount if you get multiple policies from one insurer, such as your home and auto insurance.

• Don’t avoid extra coverage. It’s tempting to opt for the minimum coverage amounts to save money. But even though it costs more in the short term, you could save money if you’re in an accident and have more extensive coverage.

Cheapest liability-only car insurance in St. Louis: USAA

Most states, including Missouri, require drivers to carry liability-only car insurance. This insurance typically covers vehicle repairs and medical costs for the other driver if you’re responsible for an accident — but not your own medical expenses or vehicle repairs.3

Liability-only policies in St. Louis cost an average of $155 per month. Here are the insurance companies with the cheapest liability rates in St. Louis.

Cheapest full-coverage car insurance in St. Louis: USAA

Full-coverage car insurance meets the state requirements for liability coverage and usually includes comprehensive and collision. Each insurer defines full coverage differently, but the policies cover medical expenses and vehicle repairs. Unlike liability-only insurance, full-coverage insurance pays for your medical expenses and repairs if you’re responsible for an accident.

St. Louis drivers pay an average of $268 per month for full-coverage auto insurance. The following insurers offer the best full-coverage rates in St. Louis.

Car insurance requirements in Missouri

Missouri is an at-fault state, meaning the driver who causes an accident must turn to their own insurance company to cover the claim damages.4

The state mandates liability-only auto insurance to ensure drivers have adequate coverage, including minimum amounts for bodily injury liability coverage, property damage liability insurance, and uninsured or underinsured motorist coverage.

Below are the mandated coverage limits for drivers in St. Louis:

While the minimum-coverage amounts provide some financial protection, you might want to purchase higher limits or additional coverages. If you lease or finance your car, you might have to add extra protections since lenders usually require collision and comprehensive coverage.

The following coverages exceed the state minimums and are worth considering, especially if you drive frequently:

Pure comparative fault

Missouri abides by the rules of pure comparative fault, which means drivers can be at fault for a percentage of an accident. Because of that, your damages will be reduced by the amount you’re at fault. After drivers file a claim, insurance companies can investigate the accident and determine the percentage of fault for everyone involved.5

For example, if you’re in an accident, the other driver might be at fault for 70% of the collision, but you might be responsible for 30%, so only 70% of your claim would be covered. If you disagree with the final evaluation, you can seek legal help or ask your insurance company to meet with the other insurer to reconsider.

Cheapest car insurance for drivers with an incident

Some factors, like location and age, affect your car insurance rates and are impossible to control. But your driving record — especially whether you have any violations — also affects your rates.

Insurers consider the incidents on your driving record when determining rates. Incidents like driving under the influence (DUI), speeding tickets, and at-fault accidents can all cause your rates to increase. Because of that, it’s even more important to compare quotes and find the most competitive rates.

Cheapest car insurance for drivers with a speeding ticket: USAA

If you have a speeding ticket on your record, you may see your insurance costs increase, depending on the severity of the ticket and how many other infractions you have on your record. St. Louis drivers with a speeding ticket on their record pay an average of $188 per month for liability-only auto insurance and $324 for full coverage.

Here are the cheapest insurance companies in St. Louis for drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: USAA

Insurers will classify you as “at fault” if you’re responsible for an accident. In Missouri, an at-fault accident can stay on your record for three to five years.6 At-fault accidents almost always cause your insurance rates to increase. Due to Missouri’s pure comparative fault rule, you can be partially at fault. But this can still negatively affect your car insurance record.

St. Louis drivers with an at-fault accident on record pay an average of $200 per month for liability-only auto insurance and $347 for full coverage. Here are the best insurance companies for St. Louis drivers with at-fault accidents.

Cheapest car insurance for drivers with a DUI: USAA

Driving-under-the-influence (DUI) violations can do more than negatively affect car insurance rates. Some insurers may even choose not to renew auto policies after drivers get an infraction. St. Louis drivers with a DUI pay an average of $250 per month for liability-only auto insurance and $431 for full coverage.

Getting competitive car insurance rates after a DUI is still possible, but you might need to work with a company specializing in high-risk coverage. Here are some of the cheapest insurance companies for St. Louis drivers with DUIs on their records.

Cheapest car insurance for seniors: USAA

Age is another factor that affects car insurance rates, and its effect changes as drivers age. Teenage drivers are usually more expensive to insure, but rates drop in adulthood around age 35. After that, drivers benefit from some of the cheapest car insurance rates until age 70, when average rates increase again.

Senior drivers in St. Louis pay an average of $130 per month for liability-only auto insurance and $225 for full coverage. The following insurers offer the cheapest monthly car insurance quotes for senior drivers in St. Louis.

Cheapest car insurance for teens: USAA

Teenage drivers are some of the most expensive drivers to insure due to inexperience and the fact that they’re more likely to engage in dangerous driving.

Teen drivers in St. Louis pay an average of $289 per month for liability-only auto insurance and $500 for full coverage.

Teens still have ways to reduce the cost, though. Consider insuring your teenager on the family insurance plan, choosing a car with maximum safety features, and asking about good student discounts.

The following insurers are the best options for teen drivers in St. Louis.

St. Louis car insurance quotes by credit tier

Insurers in Missouri consider credit history as another risk factor and use it when determining rates. Because of that, your credit score affects your car insurance rates in St. Louis. The higher your credit score, the lower your car insurance premium.

Drivers with excellent or good credit scores typically pay lower rates than drivers with poor credit scores. Below, you can see just how much your credit tier can affect your car insurance rates in St. Louis.

Is car insurance more expensive in St. Louis?

The average cost of car insurance in St. Louis is $212 per month. Compared to the national average of $143 per month, drivers in St. Louis pay more for car insurance.

Your location affects your car insurance rates, especially if your ZIP code is in a densely populated city. Even where you park your car — including if you park in a garage or on the street — affects how much you pay.

More cities in Missouri

Most accidents occur in cities or towns, so drivers living in rural areas might pay less. As the second-largest city in the state, St. Louis drivers typically pay more for car insurance.7 

Here’s how car insurance rates in St. Louis compare to other cities in the state.

St. Louis car insurance FAQs