How Much Are Car Insurance Rates in St. Louis?
Premiums in St. Louis are $613 greater than the state average, which is why the city is known for its pricey premiums. We've analyzed how auto insurance rates in St. Louis compare to premiums nationwide.
INSURANCE PRICES: ST. LOUIS VS. STATE/NATIONAL MEAN
|City Average||State Average||National Average|
St. Louis Auto Insurance by Violation or Accident History
A history of accidents and violations can cost you in terms of car insurance premiums. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Even among safe drivers, accidents happen, so be prepared and learn the effect one can have on your rates. In St. Louis, those who are found at-fault in an accident end up paying 44% more per year to insure their vehicle. $790 is the extra cost per year for drivers with a DUI in St. Louis, compared to the city average of $1,947. Reckless driving will also drive your premiums up, with average rates of $2,709.
AVERAGE ST. LOUIS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,810|
|At-fault Accident (damages greater than $2,000)||$2,810|
|Speeding Ticket (16-20 mph over speed limit)||$2,441|
St. Louis Car Insurance by Marital Status and Gender
Both gender and marital status are among the various driver traits that can impact car insurance premiums in St. Louis. Rates for those who are divorced or widowed are marginally cheaper than rates for those who are single. Being single, as opposed to married, can cost you an average of 6% more per year. Males have premiums that are roughly 2% cheaper than those for females.
ST. LOUIS AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
St. Louis Car Insurance Costs by Age
When looking across all age groups, drivers in their 50s have the smallest rates. Their rates normally average $1,660 per year. Those in their 60s ($1,680) aren’t paying significantly more. With average car insurance payments of $7,763, teenage drivers have the most expensive rates of any age group. The biggest decline in premiums for St. Louis drivers happens when they reach their 20s. Once out of the teenage age range, individuals pay $5,047 less in premiums. Rates for drivers in St. Louis continue to decrease through their 50s, but they can expect an increase when they hit 60.
ST. LOUIS CAR INSURANCE RATES BY DRIVER AGE
St. Louis Auto Insurance by Credit Level
There is a discrepancy of $2,784 per year between car insurance premiums for individuals with Very Poor credit (300-579) and Exceptional credit (800-850). Moving from Very Poor (300-579) to Fair (580-669) has the largest favorable impact on premiums, as it saves drivers close to $790 per year.
ST. LOUIS AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit||Average Car 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
Bowersox Insurance Agency Co.
1227 Fern Ridge Parkway St. Louis, MO 63141
Guard Dog Insurance
7733 Forsyth Blvd St. Louis, MO 63105
Bene'-Kelly Insurance Agency
11880 Gravois Road St. Louis, MO 63127
Commercial Insurance Marketing Corp
8460 Watson Road St. Louis, MO 63119
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