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.
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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:
This quote from The General helped a Chevrolet Equinox driver in Nixa, MO cut their insurance costs.
This quote from Progressive helped a Jeep Compass driver in Peru, MO cut their insurance costs.
Our licensed agents guided a driver in Carthage, MO find this smart deal on their Toyota Highlander with Bristol West.
Our licensed agents guided a driver in House Springs, MO find this smart deal on their Ford F-350 with GEICO.
Our licensed agents guided a driver in Eldon, MO find this smart deal on their Chevrolet Silverado 1500 with National General.
This quote from Root Insurance helped a Chevrolet S-10 driver in De Soto, MO cut their insurance costs.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in St. Louis
In 2026, 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.
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| 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?
Agency Hours in St. Louis, MO
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- Saturday - Sunday: 9:00AM - 8:00PM CST
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.
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Source: The Zebra
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| 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.
Local insights
Drivers near you in St. Louis weigh in
"[I pay] $510 for 6 months with Progressive for my Tesla. Full coverage, 250/500/100, $1,000 deductible. Includes a multi-policy discount since my homeowners is with them too. The next cheapest companies were in the $800 range, IIRC when I switched to Progressive last month. If Progressive hits me with a huge increase at my next renewal, then at least I had 6 months of cheap insurance."
-Reddit user on r/St. Louis [1]
"No brokers could come close to the quote I got on my own from Progressive. One of the brokers even got a quote from Progressive and it was like $300 more than what I got on my own for a 6 month premium for identical coverage.
However, the broker was able to save me a chunk of money on homeowners insurance. And since the best homeowners policy was also through Progressive, I still get the multi-policy discount on both."
-Reddit user on r/St. Louis [1]
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:
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What do you pay for car insurance? Reddit.com
Questions from St. Louis drivers:
Can I add coverage after I've had an accident?
Claims that would be covered under a HO3 and not covered HO2?
What's the difference between collision and liability, versus full coverage?
Why is it so hard to get updates on my Shelter claim?
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.