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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 be quoted based on your marital status, age, credit score, and other factors in St. Louis.

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.

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.

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.

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.

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.

Credit Level Average Annual Rate
Very Poor $5,776
Fair $3,140
Good $2,540
Very Good $2,216
Exceptional $1,902

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in the Lou

Major Highways
I-70 I-55 I-64
Public Transit
MetroBus MetroLink

Find Local St. Louis Agents

Bowersox Insurance Agency Co.

1227 Fern Ridge Parkway, St. Louis, MO 63141

Commercial Insurance Marketing Corp

8460 Watson Road Suite 201, St. Louis, MO 63119

Bene'-Kelly Insurance Agency

11880 Gravois Road, St. Louis, MO 63127

Guard Dog Insurance

7733 Forsyth Blvd Suite 1100, St. Louis, MO 63105


The average St. Louisan's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 220 cups of coffee or $551 in savings

See How Much You Can Save in St. Louis

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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 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.