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St. Louis, Mo. The cheapest car insurance in the U.S. starts at $23 per month from USAA, but drivers can also get lower rates from Missouri Farm Bureau and Travelers.
Cheapest Full Coverage Car Insurance In Missouri
Author: Daniel Robinson, Author: Daniel Robinson Author Daniel is a Guide Team writer and has published articles in the U.S., U.K. and has written for several automotive news sites and marketing firms in Australia, specializing in auto finance and car care topics. Daniel is a Guide Team authority on auto insurance, loans, warranty options, auto services and much more.
The Best And Cheapest Car Insurance Companies In Missouri For 2023
Edited by: Rashawn Michener, Edited by: Rashawn Michener Managing Editor Rashawn Michener is a Guides team editor with more than 10 years of experience covering personal finance and insurance topics.
St. Louis, Mo. Car insurance with minimum coverage in the US is about 37% more expensive than the average cost across the US. To save money, it is a good idea to compare rates and consider purchasing coverage from more affordable auto insurance companies.
At the Guide team we have ranked the best car insurance companies based on a variety of factors including cost. In this article, we’ll help you find affordable prices in St. Louis that fit your driving description.
Cheapest Car Insurance in Missouri, Cheapest Car Insurance in St. Louis, Cheapest Car Insurance in Kansas City, MO. Cheap Car Insurance in Columbia, MO Cheap Car Insurance in Springfield, MO
Nationwide Insurance Reviews
The Guide team is committed to providing reliable information to help you make the best decisions about insuring your vehicle. Because consumers trust us to provide objective and accurate information, we have created a comprehensive rating system to create our ranking of the best car insurance companies. We collected data on dozens of auto insurance providers to grade companies based on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers with the highest scores topping the list.
We recommend USAA, Missouri Farm Bureau, Travelers, State Farm, and Progressive as the five best car insurance options in St. Louis. These companies’ rates are below average for both minimum and full auto insurance coverage, and they also provide excellent customer service.
Unless otherwise stated, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and clean driving history.
Our data shows that the average cost of minimum-coverage car insurance in St. Louis is $71 per month or $855 per year. This is about 37% more than the national average of $52 per month or $627 per year. Similarly, full-coverage insurance costs an average of $228 per month or $2,735 per year, which is about 36% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Car Insurance In Kansas City, Mo For 2023
USAA offers the cheapest liability insurance with rates averaging $23 per month or $279 per year. With average rates of $39 per month or $466 per year, Missouri Farm Bureau is the second cheapest option in St. Louis.
Liability coverage is the minimum car insurance coverage required by the state of Missouri. According to Missouri law, all drivers must either meet or exceed the following minimum requirements:
While many states make uninsured motorist coverage optional, this is not the case in Missouri. All drivers must carry this type of insurance to meet minimum state insurance requirements.
A full-coverage car insurance policy in St. Louis can be expensive. Complete coverage includes liability as well as comprehensive coverage and collision coverage, which protects against damage caused to your vehicle in a variety of situations. The cheapest rates for full-coverage car insurance at USAA are $112 per month or $1,349 per year.
Full Coverage Auto Insurance (2023)
Since many factors influence how much you’ll pay for car insurance, the cheapest company for one driver may not be the cheapest for someone else. Below, we’ll examine how auto insurance prices in St. Louis are affected by a driver’s age as well as their credit score and driving record. Since there are ZIP codes with different average car insurance costs in St. Louis, we’ll explore those as well.
Some basic ways to save on car insurance in St. Louis are to increase your deductible and bundling auto coverage with renters insurance, life insurance and home insurance if you’re a homeowner.
Teens pay more for car insurance because they are more likely to get into a car accident or break a traffic law. Our data shows that 16-year-olds in St. Louis pay about $289 per month or $3,472 per year for car insurance.
As drivers age in their 20s, the cost of car insurance decreases and continues to decrease over time. Below, you’ll find the average cost of minimum-coverage car insurance for different age groups in St. Louis.
Government Auto Insurance For Low Income Drivers (2023)
Car insurance for teens is expensive, but some insurance providers are more affordable than others. Our data shows that USAA is the cheapest car insurance company for teen drivers, with coverage rates as low as $90 per month or $1,085 per year. Missouri Farm Bureau, Travelers and State Farm also offer affordable premiums for St. Louis teens.
Car insurance companies in Missouri are allowed to use credit scores when deciding how much people should pay for coverage. If someone has a low credit score, their auto insurance premium will be higher than those with a good credit score.
Our rate data shows that USAA is the cheapest option for car insurance with bad credit in St. Louis. The company offers minimum-coverage policies to drivers with bad credit at rates as low as $41 per month or $494 per year. This is 42% lower than the overall state average for minimum coverage with good credit.
People who have received tickets for speeding, been in car accidents or have a DUI can expect their car insurance costs to increase. On average, speeding can increase your rates by 25%, at-fault accidents by 55%, and DUI by 59%.
Car Insurance Cost By State [oc]
Our team found that USAA is the top choice in St. Louis for people with driving violations on their record. The table below shows average rates by company for drivers who have a speeding ticket, accident or DUI on their record.
Now, we will break things down based on different driving violations. According to our data, USAA offers the cheapest auto insurance rates to drivers who have a speeding ticket on their record – $29 per month or $350 per year. Missouri Farm Bureau ranks second with an average monthly rate of $41, while Travelers, State Farm and Progressive round out the top five choices for cheap speeding ticket car insurance in St. Louis.
If you get into a car accident while driving, your insurance rates may increase more than if you were caught speeding. USAA and Missouri Farm Bureau are the cheapest options here, with average rates of $35 per month and $43 per month, respectively. You may find that some auto insurers charge significantly more for this coverage after you’ve been in an accident.
Getting a DUI in St. Louis can increase your car insurance rates by a few hundred dollars every year. USAA is cheaper than other companies, offering average rates of $45 per month or $537 per year for drivers with a DUI. Missouri Farm Bureau, State Farm and Travelers are also good options with rates averaging less than $72 per month.
Cheapest Car Insurance Quotes In New Mexico For 2023
Insurance prices vary depending on what area of the city you live in, as insurance claims rates vary by neighborhood. Below, you’ll see that some zip codes in St. Louis can be 6.9% cheaper or 8.8% more expensive than the city average.
While auto coverage in St. Louis is 56% higher than the Missouri average and 36% higher than the US as a whole, there are still affordable providers available to shop around. USAA offers the cheapest minimum and full coverage in the city at $23 per month and $112 per month, respectively.
Compare free quotes to find the company that meets your Missouri car insurance needs at the best rate. You can compare insurance products and get quotes online or from insurance agents.
Our data shows that a minimum-coverage auto insurance policy in St. Louis costs an average of $71 per month or $855 per year. If you want a full-coverage policy, you’ll pay an average of $228 per month or $2,735 per year.
Average Cost Of Car Insurance In 2023
Full-coverage car insurance in St. Louis is about 36% more expensive than the national average while minimum-coverage insurance is 37% more expensive than the US average. Within Missouri, the cost of car insurance in St. Louis is significantly higher than in Kansas City or Columbia.
Daniel is a Guide Team writer and has written articles in the U.S., U.K. and has written for several automotive news sites and marketing firms in Australia, specializing in auto finance and car care topics. Daniel is a Guide Team authority on auto insurance, loans, warranty options, auto services and much more.
Rashawn Mitchener is a Guides team editor with more than 10 years of experience covering personal finance and insurance
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