This content is powered by, a license indemnity producer ( NPN : 8781838 ) and a corporate consort of LLC services are only available in states were it is licensed and indemnity coverage through may not be available in all states. All insurance products are governed by the terms in the applicable indemnity policy, and all relate decisions ( such as blessing for coverage, premiums, commissions and fees ) and policy obligations are the sole province of the underwrite insurance company. The information on this locate does not modify any policy policy terms in any way. is an autonomous, advertising-supported publisher and comparison service. We are compensated in substitution for placement of sponsor products and, services, or by you clicking on certain links posted on our site. consequently, this compensation may impact how, where and in what order products appear within listing categories. other factors, such as our own proprietary web site rules and whether a product is offered in your area or at your self-selected credit seduce range can besides impact how and where products appear on this web site. While we strive to provide a broad range offers, Bankrate does not include information about every fiscal or recognition intersection or overhaul. We ’ rhenium crystalline about how we are able to bring choice subject, competitive rates, and utilitarian tools to you by explaining how we make money. Bankrate follows a rigid column policy, so you can trust that our content is dependable and accurate. Our award-winning editors and reporters create honest and accurate capacity to help you make the proper fiscal decisions. The content created by our editorial staff is objective, actual, and not influenced by our advertisers.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make fresh personal finance decisions. We follow rigid guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no aim compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We value your trust. Our mission is to provide readers with accurate and indifferent information, and we have column standards in place to ensure that happens. Our editors and reporters thoroughly fact-check column content to ensure the information you ’ rhenium understand is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive lineal compensation from our advertisers. Bankrate follows a rigid column policy, so you can trust that we ’ ra putting your interests first. Our award-winning editors and reporters create honest and accurate contented to help you make the veracious fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy inaugural. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — monetary value, customer service, policy features and savings opportunities — therefore you can feel convinced about which supplier is right for you. Bankrate follows a stern column policy, so you can trust that we ’ re putting your interests first. All of our contented is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a hanker track record of helping people make smart fiscal choices. We ’ ve maintained this repute for over four decades by demystifying the fiscal decision-making work and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This capacity is powered by ( NPN : 8781838 ). For more information, please see our Insurance disclosure. According to the Federal Highway Administration, there are over 5.5 million register vehicles in Missouri. During peak sports and tourist seasons, St. Louis residents share their roadways with countless out-of-town visitors, leading to greater chances of car crashes. In 2020, 171 people died in the city of St. Louis and in St. Louis County ascribable to automobile accidents, which accounted for 17.29 % of statewide traffic deaths. St. Louis residents pay an average annual car insurance premium of $ 710 for minimum coverage. For full coverage car policy, residents pay $ 2,277 a year on average. These city rates are higher than express and national averages.To find the best brassy car indemnity carriers in St. Louis, we searched the commercialize to find insurers that provide the coverages St. Louis motorists need, comparing customer avail and satisfaction, price and fiscal persuasiveness .

Best car insurance companies in St. Louis

In our search for the best car policy in St. Louis, we considered several key factors, including coverages, discount rate options, customer serve and satisfaction, fiscal forte and price. All our top picks have earned above average regional modal scores in J.D. Power ’ s 2020 U.S. Auto Insurance Satisfaction Study, with four rate among the acme five, and three companies offering lower-than-average annual premiums for St. Louis drivers .

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
USAA 905 / 1,000 $275 $1,003
Progressive 849 / 1,000 $658 $2,060
Geico 855 / 1,000 $667 $2,202
State Farm 849 / 1,000 $815 $2,108
Shelter 855 / 1,000 $963 $2,829


Although USAA earned the highest regional overall customer atonement index score in J.D. Power ’ s 2020 U.S. Auto Insurance Satisfaction Study, it does not qualify for rate because it entirely offers its products to U.S. Military members, pre-commissioned officers, veterans and their children and spouses. For those who qualify, USAA offers a full line of standard car indemnity coverages, plus optional rental car reimbursement and wayside aid. We appreciate USAA ’ s commitment to its military policyholders. The supplier extends up to a 15 % discount rate on comprehensive examination coverage to members who garage their vehicles on foundation and up to a 60 % discount when they put their automobiles in storage while deployed. USAA besides has a highly-rated mobile app – available for Android and Apple devices – which enables policyholders to entree their insurance circuit board, report a claim and request wayside aid from their smartphone or pill. Learn more: USAA Insurance Review


Progressive sells cable car policy through autonomous agencies in and around St. Louis, over the call and on-line. The supplier offers an outstanding choice of discounts for driving safely, buying multiple policies and utilizing its digital tools such as choosing paperless documents, requesting on-line quotes and signing documents on-line. progressive ’ mho on-line “ Name Your Price ” creature enables you to request a quote, input the price you would like to pay for car insurance and see the coverage options that fit your budget. Drivers can besides take advantage of Progressive ’ s usage-based indemnity program, Snapshot. Using a mobile app or circuit board device, Snapshot monitors each trip you take and awards discounts if you maintain good drive habits. Learn more: Progressive Insurance Review


Geico offers St. Louis motorists capital rates and a full lineup of standard cable car indemnity coverages. The carrier besides offers optional emergency road service coverage to help cover assorted wayside needs, including battery chute starts, fuel delivery, lockout military service, tire changes and tow. Geico besides has several car policy discounts. good drivers can earn up to a 22 % discount when they remain accident-free for five years, and policyholders can receive up to a 25 % rebate for insuring more than one vehicle. Geico besides offers discounts for military members and students and extends savings for automobiles equipped with condom and security system features such as airbags and anti-theft systems. Learn more: Geico Insurance Review

State Farm

While many insurance companies entirely offer their customers call and on-line service, State Farm continues to operate brick-and-mortar local offices and dedicated agents, including in St. Louis. Policyholders can besides enjoy the convenience of using State Farm ’ s mobile app – available for Android and Apple devices – which enables them to access their policy cards, contact their agent, file and manage claims, request wayside aid and upload documents. country Farm besides offers two usage-based programs, Drive Safe and Save, which extends up to a 30 % deduction for maintaining safe driving habits, and Steer Clear, specifically designed for young drivers under 25. The mailman sells all the standard coverages you need, plus a few extras, including hand brake road service and rideshare driver coverage. Learn more: State Farm Insurance Review


Headquartered in Columbia, Missouri, Shelter serves the St. Louis area with more than 40 local agents. The insurance company sells all standard car insurance coverages, plus a few extras like accidental end coverage. If a policyholder is killed in an automobile accident or come to and killed as a pedestrian, accidental death coverage pays a death profit to the named beneficiary. Shelter besides enables policyholders to extend accidental death coverage to other family members for an extra cost. shelter customers can take advantage of the provider ’ s other policy products, including condominium, home and renters indemnity, american samoa well as policy for the things that make life fun, like ATVs, boats, motorcycles and RVs. Shelter besides sells farm policy, offering coverage for buildings, equipment and livestock. Learn more: Shelter Insurance Review

Cheapest car insurance in St. Louis

Statewide, Missouri drivers pay an average annual car policy premium of $ 448 for minimum coverage and $ 1,661 for full coverage. But St. Louis car owners pay a lot higher average annual rates, $ 710 for minimal coverage and $ 2,277 for full coverage. St. Louis motorists besides pay much higher rates than the national median of $ 565 for minimal coverage and $ 1,674 for full coverage. It is authoritative to shop around for the best rates for you, and to help you do this, we found a few insurers that offer car indemnity premiums below the average rates and are deserving considering .

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $275 $1,003
Progressive $658 $2,060
Geico $667 $2,202
Allstate $688 $1,924
Farmers $726 $1,783

These insurers offer good average rates for St. Louis drivers but besides meet other authoritative criteria. All five carriers have earned A ( Excellent ) or better AM Best fiscal force ratings. These providers all made the cut in J.D. Power ’ sulfur 2020 U.S. Auto Insurance Satisfaction Study and three earned overall customer gratification index scores above the regional average. They sell standard coverages, and some offer a choice of optional coverages. Besides offering bang-up average annual rates, they enable customers to save even more money with discounts. price is entirely one factor to consider when shop for car insurance, though. Request quotes from a few companies. The best insurance company for you should offer the best combination of coverage options, customer wish, fiscal force and pace .

St. Louis insurance requirements

Missouri law requires all drivers to carry minimum levels of car insurance coverage, including :

  • $25,000 in bodily injury liability coverage, per person.
  • $50,000 in bodily injury liability coverage, per accident.
  • $10,000 in personal property liability coverage, per accident.
  • $25,000 in uninsured motorist bodily injury coverage, per person.
  • $50,000 in uninsured motorist bodily injury coverage, per accident.

Keep in take care that minimum coverage may not provide the fiscal protection you need in the consequence of an accident. Suppose you are at fault for an accident, and the driver and passengers in the other vehicle sustain dangerous injuries. In that event, a policy with minimum bodily injury coverage could leave you paying costs out of pocket. And $ 10,000 property damage liability may not cover the cost of car body repairs following an accident. It ’ second best to speak with an insurance agent to determine how much coverage you need. Missouri police does not require you to buy collision and comprehensive coverage. But, if you finance or lease your automobile, the rent company or lender will likely require you to buy these coverages .

Car insurance discounts in St. Louis

Finding an insurance company that offers great discounts is crucial. fortunately, our clear car indemnity picks offer a wide rate of discounts to St. Louis drivers, including :

  • Good student discounts
  • Multi-policy and multi-vehicle discounts
  • New vehicle discounts
  • Vehicle safety and security devices discounts

rebate programs, and the levels of savings they offer, deviate by carrier. And the rate of a discount is immanent. For exemplify, a extremity of the U.S. Army who frequently relocates may not qualify for a homeowner dismiss but could benefit from military member and deployment discounts. good scholar discounts can save young drivers on cable car policy and homeowners can frequently earn savings when bundling car and home policies. It pays to shop around for a supplier that extends discounts for which you qualify .

Frequently asked questions

What is the best car insurance company?

Based on J.D. Power ’ s research, Auto-Owners Insurance, Geico and Shelter were the crown three car policy companies in the cardinal region in 2020. But the “ best car indemnity company ” can be subjective. Price is crucial, but look for a supplier that can provide you with a good combination of coverages, customer concern, discounts and fiscal strength .

How much does car insurance in St. Louis cost?

St. Louis car insurance is expensive, on average $ 710 per year for minimum coverage and $ 2,277 for fully coverage. Statewide, Missourians pay an average annual premium of $ 448 for minimum coverage and $ 1,661 for full coverage. nationally, Americans pay an average annual bounty of $ 565 for minimal coverage and $ 1,674 for entire coverage. As you can see, St. Louis residents pay higher premiums than state and national averages, so it pays to shop around for the best rate for you .

How much car insurance do I need in St. Louis?

Missouri jurisprudence requires all drivers to carry minimal levels of bodily injury and place damage indebtedness coverages a well as uninsured motorist coverage. But minimum levels of coverage may not always provide enough fiscal protection. Speak with an insurance agent to find out what coverages you need.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit rating and the follow full moon coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ second requirements. Our sample drivers own a 2018 Honda Accord, commute five days a workweek and drive 12,000 miles annually. These are sample rates and should be used for comparative purposes alone. Your quotes may be different .

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