A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 7, 2022

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Just What's Essential

  • Average car insurance rates in St. Louis, MO for senior drivers are $2,672/year
  • The cheapest car insurance company in St. Louis after a DUI is USAA
  • The cheapest car insurance company in St. Louis for teen drivers is USAA

Average car insurance rates in St. Louis, Missouri are $399 a month. But with a little research you can get a great deal from the top car insurance companies in St. Louis, MO. Before you buy St. Louis, Missouri car insurance, make sure your coverage meets or exceeds the Missouri minimum of 25/50/25.

It may even be helpful to compare St. Louis car insurance rates with Lee’s Summit car insurance rates, Florissant car insurance rates, or Kansas City car insurance rates to make sure you’re getting the best St. Louis, MO car insurance quotes available.

Need affordable St. Louis, MO car insurance? Enter your ZIP code to compare St. Louis car insurance quotes from multiple car insurance companies near you.

St. Louis, MO Minimum Car Insurance Coverage

St. Louis, Missouri law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in St. Louis, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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St. Louis, MO Car Insurance Rates by Coverage Level

Some St. Louis drivers can get by with the Missouri minimum coverage of 25/50/25. Other drivers may need more. See how much your St. Louis, Missouri car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in St. Louis, Missouri

Insurance Company Low Medium High
Allstate $5,304 $5,544 $5,823
American Family $4,670 $4,948 $4,780
Farmers $5,699 $6,073 $6,652
GEICO $3,694 $4,058 $4,315
Liberty Mutual $6,065 $6,505 $6,844
Nationwide $3,163 $3,420 $3,585
Progressive $4,943 $6,039 $7,027
State Farm $3,705 $4,005 $4,254
USAA $2,627 $2,720 $2,834

St. Louis, MO Car Insurance Rates by Age, Gender, and Marital Status

St. Louis, Missouri car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy St. Louis, MO car insurance, get quotes from multiple car insurance companies in the St. Louis area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in St. Louis, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,772 $3,632 $3,412 $3,521 $10,980 $11,910 $3,567 $3,665
American Family $3,139 $3,139 $2,797 $2,797 $8,573 $11,145 $3,139 $3,666
Farmers $3,337 $3,323 $2,975 $3,168 $14,069 $14,525 $3,795 $3,940
GEICO $2,616 $2,955 $2,079 $2,712 $8,361 $8,778 $2,357 $2,321
Liberty Mutual $3,846 $4,173 $3,165 $3,560 $13,587 $15,097 $4,041 $4,300
Nationwide $2,234 $2,278 $2,001 $2,116 $5,775 $7,384 $2,561 $2,767
Progressive $3,808 $3,393 $3,087 $3,243 $12,211 $13,497 $4,500 $4,285
State Farm $2,445 $2,445 $2,224 $2,224 $7,393 $9,259 $2,755 $3,159
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

St. Louis, MO Car Insurance Rates for Teens

How much is St. Louis, Missouri car insurance for teens? Compare rates from top St. Louis car insurance companies below to help find the cheapest teen car insurance in St. Louis, MO.

Annual Car Insurance Rates for Teen Drivers in St. Louis, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,980 $11,910
American Family $8,573 $11,145
Farmers $14,069 $14,525
GEICO $8,361 $8,778
Liberty Mutual $13,587 $15,097
Nationwide $5,775 $7,384
Progressive $12,211 $13,497
State Farm $7,393 $9,259
USAA $5,002 $6,115

St. Louis, MO Car Insurance Rates for Seniors

Before seniors buy St. Louis, Missouri car insurance, they should make sure to shop around. Some St. Louis, MO car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in St. Louis, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,412 $3,521
American Family $2,797 $2,797
Farmers $2,975 $3,168
GEICO $2,079 $2,712
Liberty Mutual $3,165 $3,560
Nationwide $2,001 $2,116
Progressive $3,087 $3,243
State Farm $2,224 $2,224
USAA $1,491 $1,518

St. Louis, MO Car Insurance Rates by Credit History

How does your credit history affect St. Louis, MO car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in St. Louis, Missouri

Insurance Company Poor Fair Good
Allstate $7,701 $4,926 $4,044
American Family $6,268 $4,411 $3,718
Farmers $7,014 $5,849 $5,561
GEICO $5,568 $3,615 $2,884
Liberty Mutual $9,302 $5,665 $4,447
Nationwide $4,012 $3,301 $2,856
Progressive $7,087 $5,720 $5,201
State Farm $5,587 $3,533 $2,845
USAA $4,567 $2,109 $1,505

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St. Louis, MO Car Insurance Rates by Driver History

How does a single speeding ticket affect your St. Louis, Missouri car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in St. Louis.

Annual St. Louis, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,729 $5,374 $6,739 $5,386
American Family $3,629 $5,091 $6,343 $4,134
Farmers $5,302 $6,617 $6,469 $6,177
GEICO $3,082 $4,062 $5,584 $3,361
Liberty Mutual $4,680 $6,758 $6,954 $7,493
Nationwide $2,649 $3,418 $4,585 $2,906
Progressive $5,218 $6,938 $5,770 $6,086
State Farm $3,640 $4,336 $3,988 $3,988
USAA $2,179 $2,649 $3,694 $2,385

St. Louis, MO Car Insurance Rates With a DUI

Even a single DUI can increase your St. Louis, MO car insurance rates. Compare rates below to see which St. Louis car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in St. Louis, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,739
American Family $6,343
Farmers $6,469
GEICO $5,584
Liberty Mutual $6,954
Nationwide $4,585
Progressive $5,770
State Farm $3,988
USAA $3,694

St. Louis, MO Car Insurance Rates by ZIP Code

Just like St. Louis car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how St. Louis, MO car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in St. Louis, Missouri

ZIP Code Average Annual Rates
63101 $3,935
63102 $3,914
63103 $3,898
63104 $3,789
63105 $3,439
63106 $4,199
63107 $4,273
63108 $3,876
63109 $3,602
63110 $3,767
63111 $3,975
63112 $4,010
63113 $4,330
63114 $3,151
63115 $4,288
63116 $3,951
63118 $4,084
63139 $3,596
63140 $3,544
63147 $4,254
63155 $3,853

St. Louis, MO Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your St. Louis, MO car insurance rates may be. Let’s take a look at average car insurance rates from top St. Louis companies based on commute time.

Annual Car Insurance Rates by Commute Length in St. Louis, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,557 $5,557
American Family $4,752 $4,847
Farmers $6,141 $6,141
GEICO $3,949 $4,096
Liberty Mutual $6,471 $6,471
Nationwide $3,389 $3,389
Progressive $6,003 $6,003
State Farm $3,891 $4,085
USAA $2,630 $2,824

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St. Louis, MO Cheapest Car Insurance Rates

How do the top St. Louis, Missouri car insurance companies’ average rates stack up against the St. Louis average monthly car insurance rates of $399? Take a look and see.

Best Annual Car Insurance Rates by Company in St. Louis, Missouri

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

St. Louis, MO Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top St. Louis, Missouri car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in St. Louis, Missouri

Insurance Company Average Annual Rates
Allstate $5,557
American Family $4,799
Farmers $6,141
GEICO $4,022
Liberty Mutual $6,471
Nationwide $3,389
Progressive $6,003
State Farm $3,988
USAA $2,727

Other Factors Affecting St. Louis, MO Car Insurance Rates

Before you buy St. Louis, Missouri car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

St. Louis, MO Commute Time

How does your St. Louis, MO commute time compare with the average driver? In St. Louis, the average commute is 26.1 minutes.

St. Louis, MO Traffic

Spending time in St. Louis traffic can lead to higher car insurance rates. According to INRIX data, St. Louis, MO ranks as the 722nd-most congested with traffic in the world.

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St. Louis, MO Car Insurance Quotes

Compare St. Louis, MO car insurance quotes from multiple companies by entering your ZIP code now.