Cheap Car Insurance in St. Louis, Missouri (2022)

The cheapest full-coverage car insurance in St. Louis: State Farm at $98 a month, and American Family at $114.

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Allstate and State Farm offer the cheapest car insurance in St. Louis for most drivers, according to our survey of providers. Allstate’s average rate for minimum-coverage car insurance in St. Louis is $38 a month, while State Farm’s average rate for full coverage is $98 a month.

Meanwhile, USAA may be cheaper for those who qualify. USAA’s insurance policies are reserved for current and former military members as well as their families. The group’s average rate for minimum coverage is $27 a month, while its rate for full coverage is $76.

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Cheapest car insurance in St. Louis

Allstate has the best minimum-coverage car insurance rates for the majority of St. Louis drivers. The company’s average monthly rate is $38, less than half the citywide average of $78.

USAA has potentially even better rates, but the group only offers insurance to military members and their families. USAA’s average minimum-coverage policy costs $27 a month.

State Farm and American Family trail just behind Allstate, offering policies of $50 and $58, respectively.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE IN ST. LOUIS
Company Monthly rate
USAA $27
Allstate $38
State Farm $50
American Family $58
Shelter $77
City Average $78
Progressive $86
Auto Club $136
GEICO $154
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Missouri law requires drivers to hold some form of liability insurance. That coverage must meet the state’s minimum requirements for bodily injury and property damage:

  • $25,000 for each person injured during an accident
  • $50,000 for all people injured during an accident
  • $25,000 for all property injured during an accident

Drivers in Missouri must also carry coverage for uninsured motorists. The minimum requirements are $25,000 of bodily injury coverage per person and $50,000 per accident.

Cheapest full-coverage car insurance in St. Louis

Most drivers will find the cheapest full-coverage car insurance at State Farm. The provider offers an average rate of $98 per month.

Again, USAA presents a better option, but only for those who qualify. The group’s average rate of $76 per month is available only to former or current military members and their families.

There are several other providers offering auto insurance that’s cheaper than the citywide average of $174. Those companies include American Family, Allstate and Shelter.

CHEAPEST FULL-COVERAGE CAR INSURANCE IN ST. LOUIS
Company Monthly rate
USAA $76
State Farm $98
American Family $114
Allstate $120
Shelter $166
City Average $174
Progressive $179
Auto Club $288
GEICO $348
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In addition to liability and uninsured motorist coverage, full-coverage insurance in Missouri usually includes collision and comprehensive coverages.

No state law requires full coverage, although many lenders and lessors do. It’s also recommended for drivers with new or especially expensive vehicles.

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Cheapest car insurance for drivers with a DUI in St. Louis

The best insurance rates for drivers with a DUI comes from State Farm, which has an average cost of $107 per month.

In St. Louis, a DUI can significantly increase a driver’s insurance premiums. The citywide average for a full-coverage policy is $174 per month. For drivers with a DUI, the average cost is $280 — an increase of 61%.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH A DUI
Company Monthly rate
State Farm $107
USAA $133
Progressive $196
American Family $203
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with accidents or tickets in St. Louis

State Farm typically offers the cheapest car insurance for St. Louis drivers with an accident history. State Farm’s average full-coverage rate for a driver with one accident on their record is $115 per month, well below the citywide average of $269.

USAA has an even more competitive rate of $102 per month, but only for those who qualify. Allstate and American Family also offer prices below the city average.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH AN ACCIDENT IN ST. LOUIS
Company Monthly rate
USAA $102
State Farm $115
Allstate $196
American Family $197
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

State Farm also offers the most affordable car insurance for most drivers with a speeding ticket.There, St. Louis drivers with one ticket on their record will find full-coverage policies at an average of $107 per month.

Again, USAA has better options for those who qualify.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH A SPEEDING TICKET IN ST. LOUIS
Company Monthly rate
USAA $91
State Farm $107
American Family $138
Allstate $178
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teen drivers in St. Louis

The best minimum-coverage car insurance rates for teen drivers in St. Louis will likely come from Allstate. The provider’s monthly rate of $116 is less than half the citywide average of $249 — that’s for an 18-year-old with a clean driving record.

In addition to USAA, State Farm and Shelter offer competitive rates of $160 and $226, respectively.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR TEENS IN ST. LOUIS
Company Monthly rate
USAA $61
Allstate $116
State Farm $160
Shelter $226
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

State Farm, meanwhile, has the cheapest full-coverage insurance for most St. Louis teens. While USAA offers better rates for those who qualify, State Farm’s monthly cost of $305 is well below the citywide average of $538.

Allstate and American Family follow behind State Farm, with respective rates of $383 and $420 per month.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR TEENS IN ST. LOUIS
Company Monthly rate
USAA $160
State Farm $305
Allstate $383
American Family $420
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find cheap auto insurance in St. Louis

Cheapest car insurance for senior drivers in St. Louis

The majority of senior drivers in St. Louis will find the best car insurance rates at Allstate, where a minimum-coverage policy for a 60-year-old with a clean record costs an average of $33 a month.

Seniors in St. Louis actually pay less than average for auto insurance. Citywide, the mean cost of a monthly minimum-coverage policy is $78. For seniors, that figure is just $72.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR SENIORS IN ST. LOUIS
Company Monthly rate
USAA $27
Allstate $33
State Farm $48
Shelter $53
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

State Farm offers the most affordable full-coverage car insurance policies for most seniors in St. Louis. For a 60-year-old with a clean record, the company’s premiums average $90 a month.

USAA’s monthly rate of $72 is more appealing, for those who qualify. Additionally, Allstate and American Family both offer policies at an average cost of $102 per month.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR SENIORS IN ST. LOUIS
Company Monthly Rate
USAA $72
State Farm $90
Allstate $102
American Family $102
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

St. Louis car insurance requirements

Missouri state requires a minimum level of liability coverage, as well as coverage for uninsured drivers. The liability coverages must meet the following thresholds:

  • At least $25,000 for each person injured during an accident
  • At least $50,000 for all people injured during an accident
  • At least $25,000 for all property injured during an accident

The uninsured motorist coverage must meet the following minimums:

  • $25,000 for each person injured during an accident
  • $50,000 for all people injured during an accident

Drivers may also opt for full coverage, which typically includes collision and comprehensive coverages, as well as potential insurance for other costs. No state requires full-coverage car insurance, but some lenders and lessors do.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every St. Louis ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Missouri’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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