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 Average||State Average||National Average|
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/Gender||Average Rate|
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
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 Violation||Average Annual Premium|
|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
|Credit||Average Auto Insurance Rate|
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 Suite 201, St. Louis, MO 63119
Guard Dog Insurance
7733 Forsyth Blvd Suite 1100, St. Louis, MO 63105
Bowersox Insurance Agency Co.
1227 Fern Ridge Parkway, St. Louis, MO 63141
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