Cheapest Car Insurance In Saint Louis, MO 2024
State Farm is the most affordable option in Saint Louis, offering an average rate of $50 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Saint Louis, MO, options can vary widely.
For those seeking the lowest liability-only coverage, State Farm is the top choice. For more comprehensive protection, American Family offers the best rates for full coverage policies. Meanwhile, USAA provides the cheapest rates for young drivers.
Cheapest Car Insurance Companies In Saint Louis, MO 2024
Cheapest Auto Insurance Rates In Saint Louis For Teenagers: USAA
Teen drivers in Saint Louis can get the most affordable rates from USAA, with average monthly premiums of $170.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $365 | $4,380 |
| USAA | $170 | $2,040 |
| Electric | $515 | $6,180 |
| Allstate | $345 | $4,140 |
| MO Farm Bureau Services | $405 | $4,860 |
Cheapest Minimum Coverage Car Insurance In Saint Louis: State Farm
In Saint Louis, State Farm is the most affordable car insurance provider for minimum coverage, with an average monthly cost of $50.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $60 | $720 |
| Allstate | $75 | $900 |
| American Family | $70 | $840 |
| State Farm | $50 | $600 |
| Nationwide | $65 | $780 |
Cheapest Car Insurance In Saint Louis For Young Adults: USAA
For young adults in Saint Louis, USAA offers the most affordable rates, averaging around $110 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cameron Mutual Group | $155 | $1,860 |
| Clearcover | $240 | $2,880 |
| State Farm | $210 | $2,520 |
| USAA | $110 | $1,320 |
| Farmers | $160 | $1,920 |
Cheapest Full Coverage Car Insurance In Saint Louis: American Family
In Saint Louis, American Family offers the lowest rates for full coverage car insurance, with average monthly premiums of $100.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $120 | $1,440 |
| American Family | $100 | $1,200 |
| Allstate | $128 | $1,536 |
| Nationwide | $125 | $1,500 |
| State Farm | $115 | $1,380 |
Cheapest Car Insurance In Saint Louis For Seniors: USAA
USAA offers the cheapest car insurance rates for seniors in Saint Louis, with average monthly premiums of $65.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $125 | $1,500 |
| Safeco | $138 | $1,656 |
| Allstate | $160 | $1,920 |
| USAA | $65 | $780 |
| MO Farm Bureau Services | $145 | $1,740 |
Cheapest Car Insurance In Saint Louis After A Speeding Ticket: American Family
American Family is significantly more affordable compared to other companies, offering average monthly rates of $125.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $140 | $1,680 |
| State Farm | $130 | $1,560 |
| Travelers | $155 | $1,860 |
| American Family | $125 | $1,500 |
| Nationwide | $145 | $1,740 |
Cheapest Car Insurance In Saint Louis After At-Fault Accident: American Family
American Family provides the most affordable car insurance rates for drivers with an at-fault incident, with an average monthly rate of $135.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $140 | $1,680 |
| Travelers | $155 | $1,860 |
| American Family | $135 | $1,620 |
| Nationwide | $190 | $2,280 |
| Allstate | $160 | $1,920 |
Cheapest Car Insurance In Saint Louis For Drivers After A DUI: American Family
For drivers in Saint Louis with a DUI, American Family offers the cheapest rates, with average monthly premiums of $130.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $170 | $2,040 |
| Progressive | $290 | $3,480 |
| Nationwide | $220 | $2,640 |
| American Family | $130 | $1,560 |
| Travelers | $180 | $2,160 |
Best Car Insurance Companies In Saint Louis
Here are the top 10 car insurance companies in Saint Louis, MO, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $140 |
| Allstate | $190 |
| Kemper Auto Premium | $65 |
| Farmers | $160 |
| MO Farm Bureau Services | $170 |
| USAA | $90 |
| Safeco | $165 |
| Cameron Mutual Group | $155 |
| American Family | $215 |
| Clearcover | $210 |
Average Cost Of Car Insurance In Saint Louis – By Age
| Age | Average Yearly Rate |
| Teenagers | $4,380 |
| 20s | $4,080 |
| 30s | $2,760 |
| 40s | $2,640 |
| 50s | $2,340 |
| 60s | $2,040 |
| 70s | $1,920 |
Average Cost Of Auto Insurance In Saint Louis – By Zip Code
| City | Average Monthly Rate |
| 63031 | $270 |
| 63101 | $430 |
| 63038 | $190 |
| 63033 | $140 |
| 63102 | $250 |
Average Cost Of Car Insurance In Saint Louis – By Vehicle
| Vehicle | Average Monthly Rate |
| 2017 Chevrolet Equinox | $195 |
| 2019 Jeep Cherokee | $115 |
| 2018 Chevrolet Equinox | $270 |
| 2017 Nissan Gt-R | $960 |
How Much Is Car Insurance In Other Cities in Missouri?
| City | Average Monthly Rate |
| Blue Springs | $140 |
| Columbia | $112 |
| Chesterfield | $145 |
| Ballwin | $120 |
| Independence | $145 |
| Cape Girardeau | $130 |
| Florissant | $218 |
| Kansas City | $175 |
| Joplin | $125 |
| Jefferson City | $105 |
Our Methodology
Based on a thorough analysis of customer service ratings, product offerings, pricing, and extensive reviews from various online sources and user experiences, I have developed a detailed overview of car insurance providers in Saint Louis, MO.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Saint louis?
In Saint Louis, State Farm offers the lowest rates for the minimum coverage required by Missouri, while American Family provides the most affordable rates for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Saint louis?
In Saint Louis, the average cost of car insurance is approximately $215 per month. Rates can vary depending on factors such as your zip code, the year and model of your car, and your driving record.
