best car policy St. Louis
2022
The Cheapest and Best Car Insurance in St. Louis
The Cheapest Car Insurance Companies in St. Louis
The most low-cost cable car policy companies in St. Louis for a full coverage policy are :
- Allstate: $963 average per year
- State Farm: $999 average per year
If you have a military background, USAA, which costs $ 495 per year, is the most low-cost choice. Compared to Progressive, with the most expensive policy at $ 2,023, Allstate costs over 50 % less. however, rates for a wax coverage policy can vary depending on the liability insurance purchased. A fully coverage policy includes comprehensive and collision insurance to cover damage to your car from collisions or risks such as larceny and vandalism .
Cheapest Car Insurance in St. Louis
Full Coverage 100/300/100 Rates in MoneyGeek ’ mho analysis are based on a 40-year-old male driver ’ south profile in St. Louis with a full coverage policy, as defined in our methodology. A entire coverage policy adds comprehensive examination and collision indemnity to the state minimum liability requirement, so it costs more than a minimal coverage policy. These extra coverages protect you as follows :
- Comprehensive insurance: covers losses arising from risks such as theft.
- Collision insurance: covers damage arising from a collision with another vehicle or a stationary object.
If your car is honest-to-god, a full coverage policy may cost more than the car ’ randomness value, so a minimum coverage policy could be a better option .
Compare Car Insurance Rates in St. Louis
see you ‘re getting the best rate for your car policy. Compare quotes from the top indemnity companies. widget-location-pin
Cheapest Car Insurance in St. Louis for Minimum Coverage
Minimum liability coverage is the cheapest cable car policy in St. Louis. however, the policy does not cover damage to your car ( comprehensive/collision coverage ) and has broken indebtedness limits, risking complete protection in an accident. The cheapest insurers for minimal liability coverage, on average, in St. Louis are :
- State Farm: $502 per year
- Allstate: $619 per year
The cheapest option for the military is USAA at $ 198 per year. MetLife, the most expensive option, costs $ 732 more per year than State Farm, the cheapest, widely available option. You can toggle the table below to see how much higher indebtedness coverage costs .
Cheapest Minimum Liability Car Insurance in St. Louis
state Minimum A express minimum coverage policy in St. Louis is 25/50/25, the minimum indebtedness policy required by Missouri indemnity laws. That means you pay less in monthly premiums, but you may have to pay more yourself in the consequence of an accident. For case, if your minimum liability policy has merely $ 25,000 in place price and you cause an accident where the damage exceeds that limit, the extra come is your duty .
Missouri Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property wrong. A more protective flat is 100/300/100 .
- Uninsured motorist $ 25,000 per person and $ 50,000 per incidental. The minimum coverage may not be adequate if you ‘re in a serious accident .
Cheapest Car Insurance in St. Louis if You Have Driving Violations
St. Louis drivers with violations, like an at-fault accident, DUI or speeding ticket, pay more for cable car indemnity. In St. Louis, the most low-cost insurance companies, on modal, if you have a misdemeanor are :
- Cheapest after a ticket: State Farm, $1,083 per year
- Cheapest after an at-fault accident: American Family, $1,092 per year
- Cheapest after a DUI: State Farm, $1,083 per year
For the military, USAA has the lowest rates with a DUI, tag or at-fault accident. If you have a poor record, improving it over meter is an effective way to get better car policy rates. Comparing quotes now can help you find the cheapest policy as a driver with a misdemeanor .
Cheapest Car Insurance in St. Louis With a Violation
Speeding ticket
Average Cost of Car Insurance in St. Louis
St. Louis
$1,490
Missouri
$1,305
U.S.
$1,424
cable car indemnity rates in St. Louis are broadly more expensive compared to cable car policy quotes in Missouri. The average car policy pace in St. Louis is $ 1,490, which is 14.2 % higher than the state average annual bounty of $ 1,305. cable car indemnity rates in St. Louis are besides 4.6 % higher than the national average of $ 1,424. In all cases, car insurance rates will differ from person to person. Every motorist has a diverseness of details that will factor into the final price. If you want the best cable car policy in St. Louis, it ’ south best to use denounce around and compare quotes.
Personalized Quotes to Get You the Cheapest Car Insurance in St. Louis
car indemnity companies in St. Louis offer rates that deepen depending on the driver ’ s visibility. other risk factors that factor into your risk grade and affect your individualized quote include the ZIP code, driving history, drive commemorate, and gender and long time. To get the most accurate car insurance rates, get a personalize quote from several car insurance companies in St. Louis. Always check for quotes based on your profile, and see if you can take advantage of discounts and rebates from time to time .
Compare Car Insurance Rates in St. Louis
see you ‘re getting the best rate for your cable car insurance. Compare quotes from the top insurance companies. widget-location-pin
The Best Car Insurance Companies in St. Louis
MoneyGeek ranked the best companies in St. Louis for drivers who want the best poise of cost and quality service. For most drivers, the best car policy companies in St. Louis are :
- Auto-Owners: MoneyGeek score of 98 out of 100
- GEICO: MoneyGeek score of 93 out of 100
USAA received the highest MoneyGeek score. It is available to drivers with a military background and is the best option they could make. MoneyGeek scores are based on J.D. Power exploiter satisfaction scores, affordability and fiscal stability ratings .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
Auto-Owners Insurance Co
score :
97.5
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 3
GEICO
score :
92.5
5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4
Allstate
score :
85
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 5
Auto Club of Southern California Insurance Group
score :
85
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 6
Travelers
score :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 7
Progressive
score :
85
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8
State Farm
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 9
American Family
score :
77.5
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10
Safeco
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 11
Liberty Mutual
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 12
Farmers
score :
75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 13
Nationwide
score :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 14
Farm Bureau Ins of MI
seduce :
72.5
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A- fiscal stability
Average Cost of Car Insurance by Postal Code
Your current ZIP code is another factor that affects your car indemnity bounty. Some ZIP codes receive higher annual premiums due to having busier streets and more accidents. In St. Louis, ZIP code 63123 is the least expensive area, with an average $ 1,281 annual premium. This is in blunt contrast to ZIP code 63136, which has a $ 1,847 average. ZIP code 63136 could be the most expensive area due it being a busy suburban landscape with big highways prone to accidents. When getting car policy quotes in St Louis, know that insurance companies will consider where you live .
- Zip Code State Minimum
per year
- 63123
$1,281
- 63129
$1,343
- 63136
$1,847
Factors That Impact Insurance Costs in St. Louis
In summation to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of fateful accidents besides contribute to car insurance rates in St. Louis. How St. Louis ranks compared to the 300 most populous cities in the United States can have a significant impact on bounty costs .
Most Accidents With Fatalities
20th
/ 300
Most car Thefts
183rd
/ 300
Most uninsured Motorists by State
17th
/ 50
personal Injury Protection Required No
Most annual rain
106th
/ 300
Most showery Days
119th
/ 300
Methodology and Assumptions
MoneyGeek ’ mho median premium rates for St. Louis are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The modal driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ sulfur data and methodology hera. About the author
Mark Fitzpatrick is a senior content coach with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the policy commercialize and creating original research and capacity. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .