How much does car insurance cost in St. Louis?
The average cost of car insurance in St. Louis, Missouri, is $2,540 per year. That's greater than than the average across Missouri ($1,736) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in St. Louis.
ST. LOUIS CAR INSURANCE RATES
| St. Louis Average (annual) | Missouri Average | National Average |
| $2,540 | $1,736 | $1,548 |
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St. Louis car insurance rates by insurer
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, State Farm provides St. Louis's cheapest rates. We've listed the best cheap car insurance companies in St. Louis below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
ST. LOUIS CAR INSURANCE RATES BY COMPANY
| Company | Average Yearly Rate |
| State Farm | $1,673 |
| American Family | $2,118 |
| Farmers | $2,507 |
| GEICO | $2,582 |
| Progressive | $2,650 |
Read our guide to finding the best cheap auto insurance.
St. Louis auto insurance rates by age
St. Louis drivers in their 50s pay relatively affordable car insurance rates just $2,127each year, on average. Rates for St. Louis drivers in their 60s are also relatively affordable, at just $2,147 per year.
The St. Louis drivers facing the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in St. Louis is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in St. Louis is $6,281, the largest such difference between any two age groups.
ST. LOUIS CAR INSURANCE PREMIUMS BY DRIVER AGE
| Age tier | Average Yearly Rate |
| Teenagers | $9,713 |
| 20s | $3,431 |
| 30s | $2,469 |
| 40s | $2,301 |
| 50s | $2,127 |
| 60s | $2,147 |
| 70s | $2,604 |
Learn more about the impact of age on car insurance premiums.
St. Louis auto insurance rates by marital status and gender
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in St. Louis pay $222 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in St. Louis, single drivers pay more than those who are widowed.
Gender is another factor that can affect auto insurance rates. In St. Louis, female drivers pay more for auto insurance than do male drivers: $58 per year, to be precise.
ST. LOUIS CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
| Marital Status/Gender | Average Yearly Rate |
| Female | $2,598 |
| Male | $2,540 |
| Single | $2,318 |
| Married | $2,318 |
| Divorced | $2,467 |
| Widowed | $2,428 |
Learn more about how gender and marital status have on auto insurance rates.
St. Louis car insurance costs by violation history
If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most costly citations to receive are DUI and reckless driving. St. Louis drivers found guilty of reckless driving face insurance rate increases of $956 per year, compared to the citywide average. A DUI violation may lead to a $949 increase, while a citation for speeding leads to a $580 rate hike.
AVERAGE ST. LOUIS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| Incident/Violation | Average Annual Rate |
| DUI/DWI | $3,488 |
| Reckless Driving | $3,495 |
| At-fault Accident (damages less than $1,000) | $3,505 |
| At-fault Accident (damages greater than $2,000) | $3,837 |
| Speeding Ticket (16-20 mph over speed limit) | $3,120 |
Learn more about citations' impact on your auto insurance rates.
St. Louis auto insurance rates by credit level
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. St. Louis drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 67% on their car insurance premiums. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In St. Louis, improving your credit to "Fair" corresponds with a $2,636 decrease in annual car insurance rates.
ST. LOUIS CAR INSURANCE RATES BY CREDIT TIER
| Credit Level | Average Annual Rate |
| Very Poor | $5,776 |
| Fair | $3,140 |
| Good | $2,540 |
| Very Good | $2,216 |
| Exceptional | $1,902 |
What drives up car insurance rates in St. Louis?
Where you live in St. Louis affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately St. Louis is no exception to the rule. From ZIP code 63131 to 63147, premiums rise by 53 percent—that’s $599.
Expensive St. Louis ZIP codes: 63120, 63107, 63113, 63115, 63147
Cheap St. Louis ZIP codes: 63131, 63122, 63126, 63123, 63127
St. Louis Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In St. Louis, you can expect 113 rainy days with an annual rainfall of 41 inches. St. Louis is also known to experience severe winter storms.
113
Rainy Days a Year
41"
Avg. Annual Rainfall
18"
Avg. Annual Snowfall
Be Prepared For
Driving in the Lou
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City of St. Louis ParkingCar Insurance Companies in St. Louis
Find Local St. Louis Agents
Commercial Insurance Marketing Corp
8460 Watson Road Suite 201, St. Louis, MO 63119
Bene'-Kelly Insurance Agency
11880 Gravois Road, St. Louis, MO 63127
Bowersox Insurance Agency Co.
1227 Fern Ridge Parkway, St. Louis, MO 63141
Guard Dog Insurance
7733 Forsyth Blvd Suite 1100, St. Louis, MO 63105
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$1,377
The average St. Louisan's annual cost of coverage
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Our customer's average savings after comparing insurance
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