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

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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 Cheap
63120 63107 63113 63115 63147
63131 63122 63126 63123 63127

Be Prepared For

Driving in the Lou

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

St. Louis Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Car Insurance Companies in St. Louis

Find Local St. Louis Agents

Bowersox Insurance Agency Co.

1227 Fern Ridge Parkway St. Louis, MO 63141

Bene'-Kelly Insurance Agency

11880 Gravois Road St. Louis, MO 63127

Guard Dog Insurance

7733 Forsyth Blvd St. Louis, MO 63105

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