Car Insurance in St. Louis
Missouri premiums are $93 lower than the national average, which is why the state is known for its inexpensive rates. However, premiums run higher in the city, so in St. Louis, it is imperative to save while insuring a vehicle. Why don't we go over some tips on how to save on car insurance in St. Louis?
- City Average: $1,947
- State Average: $1,334
- National Average: $1,427
St. Louis Car Insurance by Age
Teenage drivers have the most expensive rates amongst all the age groups, with typical car insurance payments of $7,763. Drivers in their 50s save money on insurance, as they have the lowest rates among all age groups, paying only $1,660 a year. People in their 60s ($1,680) also have relatively low premiums. The greatest fall in premiums for St. Louis drivers happens when they reach their 20s. Once out of the teenage age range, they save, on average, 65% every year. When drivers turn 60, they will experience a premium increase related to their age for the first time.
- Teenagers: $7,763
- 20s: $2,716
- 30s: $1,908
- 40s: $1,802
- 50s: $1,660
- 60s: $1,680
- 70s: $2,029
St. Louis Car Insurance by Accident or Violation History
By knowing which driving mishaps can balloon the cost of premiums, you can make better decisions and save money. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. In St. Louis, those who are found at-fault in an accident pay 44% more per year to insure their vehicle. On average, a DUI in St. Louis will cost you 41% more in car insurance premiums versus the city average of $1,947. Reckless driving will also drive your premiums up, with typical rates of $2,709.
- DUI: $2,737
- Reckless Driving: $2,709
- At-fault Accident (damages less than $1000): $2,810
- At-fault Accident (damages greater than $2000): $2,810
- Speeding Ticket (16-20 mph over speed limit): $2,441
St. Louis Car Insurance by Gender and Marital Status
Numerous driver attributes, including marital status and gender, influence car insurance premiums in St. Louis. Rates for those who are divorced or widowed are marginally cheaper than rates for those who are single. Those who are married save roughly $100 per year on car insurance compared to those who are single. 2% is the amount by which men's and women's car insurance premiums vary.
- Female: $1,994
- Male: $1,947
- Single: $1,947
- Married: $1,844
- Divorced: $1,907
- Widowed: $1,922
St. Louis Car Insurance by Credit Rating
Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $2,784 each year on premiums. The largest benefit of better credit comes from rising from Very Poor (300-579) to Fair (580-669), by which drivers can save approximately $790 per year.
- Very Poor: $4,420
- Fair: $3,474
- Good: $2,684
- Very Good: $2,088
- Exceptional: $1,636
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 & 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
Find Local St. Louis Agents
Bene'-Kelly Insurance Agency
11880 Gravois Road St. Louis, MO 63127
Commercial Insurance Marketing Corp
8460 Watson Road St. Louis, MO 63119
Bowersox Insurance Agency Co.
1227 Fern Ridge Parkway St. Louis, MO 63141
Guard Dog Insurance
7733 Forsyth Blvd St. Louis, MO 63105
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St. Louis Car Insurance
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