How Much Does Auto Insurance Cost in St. Louis?


If you are insuring a vehicle in St. Louis, cutting costs is crucial because premiums in St. Louis are known for being costly. They generally surpass Missouri's average by 47%. Review our ways to save on St. Louis car insurance and save money.


AUTO INSURANCE COSTS: ST. LOUIS VS. STATE/US AVERAGES
City AverageState AverageNational Average
$2,047$1,389$1,569


St. Louis Car Insurance by Gender and Marital Status


Several driver attributes, including gender and marital status, affect car insurance premiums in St. Louis. Premiums for men and women generally differ by 2%, with men paying less. You spend around $130 more per year if you're single as opposed to married. Rates for those who are widowed or divorced are slightly cheaper than rates for those who are single.


ST. LOUIS CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,096
Male$2,047
Single$2,047
Married$1,921
Divorced$2,006
Widowed$2,023


St. Louis Auto Insurance Costs by Age

The most significant dip in premiums for St. Louis drivers happens when they reach their 20s. Once out of the teenage age bracket, people reduce their premiums by 64%. When drivers turn 60, they will experience a premium increase related to their age for the first time. Among all age groups, drivers in their 50s have the smallest insurance premiums, with rates of $1,740. However, people in their 60s ($1,747) aren’t paying much more. With car insurance payments of $7,941 on average, teenage drivers have the most expensive rates out of all the age groups.


ST. LOUIS CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$7,941
20s$2,848
30s$2,007
40s$1,905
50s$1,740
60s$1,747
70s$1,842


St. Louis Auto Insurance for High-Risk Drivers


Accidents and violations on your record can cost you in terms of car insurance premiums. Do you want to increase your insurance rates by an unignorable $410? If not, be aware of your speedometer because a ticket for speeding by 16-20mph in St. Louis will trigger that rise. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an additional $335 per year in premiums.


AVERAGE ST. LOUIS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI/DWI$2,796
Reckless Driving$2,823
At-fault Accident (damages less than $1,000)$2,573
At-fault Accident (damages greater than $2,000)$2,908
Speeding Ticket (16-20 mph over speed limit)$2,458


St. Louis Car Insurance by Credit Rating


Improving your credit can save you a good chunk of money. Those in the bottom credit tier (300-579) usually pay more than 3x as much on premiums than those in the top credit tier (800-850). In terms of percent change, moving from Very Poor (300-579) to Fair (580-669) brings in the greatest percent decrease in premiums, as drivers save close to 49% per year.


ST. LOUIS AUTO INSURANCE RATES BY CREDIT LEVEL
CreditAverage Auto Insurance Rate
Very Poor$5,180
Fair$2,653
Good$2,047
Very Good$1,818
Exceptional$1,643


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.

113

Rainy Days a Year

41"

Avg. Annual Rainfall

18"

Avg. Annual Snowfall

Be Prepared For

Driving in the Lou

2
Major Highways
I-70 I-55 I-64
2
Public Transit
MetroBus MetroLink

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

Commercial Insurance Marketing Corp

8460 Watson Road St. Louis, MO 63119

Not sure about St. Louis

Check out these other Missouri cities...

Kansas City

2

$1,377

The average St. Louisan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

220

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

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Recent Questions:

St. Louis Car Insurance

If I purchase a policy through The Zebra, am I able to get covered the same day?

Yes, we are able to start a policy with an insurance carrier for you right away. Coverage would take effect immediately.