Car Insurance in St. Louis, MO
- Travelers offers the cheapest car insurance in St. Louis at $124/mo.
- Compare and save on auto insurance in or near St. Louis, MO with The Zebra.
Enter your ZIP code to start your search:
Car Insurance in St. Louis, MO
- Travelers offers the cheapest car insurance in St. Louis at $124/mo.
- Compare and save on auto insurance in or near St. Louis, MO with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in St. Louis at the right price.
How much does car insurance cost in St. Louis?
Auto insurance rates in St. Louis average $1,977 for a six-month policy, which equates to about $330 per month. This is higher than both the national average ($1,084) and the statewide average for Missouri ($1,521)
*While USAA offers the cheapest rates in St. Louis, it's excluded as our top choice due to its strict eligibility guidelines. The Zebra focuses on providers accessible to the most consumers. If you're eligible for USAA, it's an excellent choice.
Car insurance quotes in Missouri
Missouri drivers in and near St. Louis saved money on car insurance recently using The Zebra:
Our licensed agents guided a driver in Saint Charles, MO find this smart deal on their Honda CR-V with Safeco.
Our licensed agents guided a driver in Marthasville, MO find this smart deal on their Chevrolet Malibu with Clearcover.
Our licensed agents guided a driver in Adrian, MO find this smart deal on their Audi A4 allroad with Root Insurance.
This quote from National General helped a Honda CR-V driver in Park Hills, MO cut their insurance costs.
This quote from Bristol West helped a Mazda Mazda3 driver in Seymour, MO cut their insurance costs.
Our licensed agents guided a driver in Lees Summit, MO find this smart deal on their Buick Enclave with Liberty Mutual.
Cheap liability and full coverage auto insurance in St. Louis
In 2025, Travelers offers St. Louis's lowest full coverage rates at $124 per month.
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 41% of St. Louis drivers carry only the state’s minimum coverage to stay legal, but it often isn’t enough to fully protect your wallet if you’re in a crash.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills later, which The Zebra’s experts say makes them worth considering.
Updating data...
| Company | Full coverage | State minimum |
|---|---|---|
| USAA | $683 | $182 |
| Travelers | $744 | $298 |
| American Family | $1,016 | $489 |
| MO Farm Bureau Services | $1,113 | $282 |
| Encompass | $1,280 | $509 |
| GEICO | $1,324 | $445 |
| Shelter | $1,371 | $542 |
| Progressive | $1,548 | $443 |
| State Farm | $1,619 | $673 |
| Allstate | $1,917 | $687 |
| Automobile Club of Missouri | $1,918 | $683 |
| Nationwide | $1,933 | $818 |
| Safe Auto | $2,588 | $1,004 |
| MetLife | $3,928 | $1,610 |
Source: The Zebra
"Traditional tort is the standard (or “normal”) auto insurance system used in most states. I usually consider what the customer would hypothetically want to sue for. With limited tort, you'd be able to sue for only the injuries that you received in that accident.
With full tort, you not only get to sue for the injuries that you've received in that accident, but also for any pain and suffering after the fact, too. So, it just depends on what the customer would like to use it for, and the third choice."
-Riliey Cullip, Licensed Insurance Agent at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in St. Louis.
Are you paying too much for auto insurance?
Car insurance rates after an accident in St. Louis
In St. Louis, an at-fault accident can raise your car insurance by $670 for a 6-month policy. Travelers offers the cheapest average rates after an accident, while USAA is a good choice for drivers who qualify.
Driving safely (avoiding tickets and citations) is the best way to avoid these increases. Premiums can go up drastically after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though major violations like DUIs can affect your rates even longer.
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,557 | $0 |
| One comp claim | $1,606 | $50 |
| Speeding 16 - 20 MPH over limit | $1,876 | $319 |
| At-Fault Accident | $2,227 | $670 |
| DUI | $2,518 | $962 |
| Leaving scene of an accident/hit and run | $2,658 | $1,101 |
Source: The Zebra
Why is car insurance in St. Louis so expensive?
St. Louis drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Location: Premiums vary by ZIP code; areas with more theft or uninsured drivers tend to see higher rates than safer neighborhoods.
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Weather: Hail, tornado activity, winter storms and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
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Drivers: With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
- Theft: Some St. Louis areas experience elevated auto theft and vandalism, driving premiums up.
Insurers determine St. Louis drivers' individual car insurance rates based on a range of rating factors that assess the level of risk each driver poses. These include age, gender, location, credit score and more. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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St. Louis car insurance FAQs:
Questions from St. Louis drivers:
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.