Creve Coeur, MO Auto Insurance
Compare auto insurance in Creve Coeur, MO. Choose from Travelers, Safeco, Progressive and dozens of other top companies.
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How much is auto insurance in Creve Coeur, MO?
Auto insurance in Creve Coeur is about 24% higher than the rest of the state of Missouri according to our client data. Weather damage, accident data and traffic density are just a few of the factors that go into pricing insurance rates.
For minimum coverage on a single car, Missouri auto insurance has an average cost of $874/yr, while Creve Coeur is $1,003/yr.
Creve Coeur had a population of 18,565 in 2022 according to the United States Census Bureau. However, there is significant traffic from workers commuting to larger employers located here such as Bayer, Mercy Hospital St. Louis and Thomson Reuters.
| Auto insurance in Creve Coeur vs Missouri | Average annual cost |
|---|---|
| Creve Coeur | $1,003/yr |
| Missouri | $874/yr |
Who are the best auto insurance companies in Creve Coeur?
We work with many, not all, insurance companies in Creve Coeur for auto insurance. We rate them based on our personal experience with our clients rather than some articles on the internet. We feel this real life experience is more valuable than some anonymous survey!
As an independent agent, we can choose from over 2 dozen companies. Here are our top recommendations:
| Rank | Company | Reasoning |
|---|---|---|
| #1 | Cincinnati | Strong policy. Great claims experience. One of the best reputations in the industry. |
| #2 | Travelers | Fewest customer complaints. Rates are stable. Our customers give very positive feedback about their claims experience. |
| #3 | Safeco | As a Liberty Mutual company, Safeco has strong financial backing. Over 100 years in business and committed to the independent insurance channel. |
| #4 | Nationwide | One of the largest insurance and financial services companies in the world. Over 90 years in business. Strong policies. Great claims experience. |
| #5 | Progressive | The discount choice for those looking for cheap auto insurance. Great technology. Ease of doing business. |
Missouri auto insurance requirements
Missouri state law requires that you carry minimum Bodily Injury Liability limits of $25,000 per person and $50,000 per accident. You must also carry $25,000 in coverage for Property Damage. Of course, this is a minimum and we would never recommend anyone choosing limits this low.
Our minimum recommendation is $100,000 per person and $300,000 per accident for Bodily Injury Liability and $100,000 for Property Damage. This is widely agreed upon amongst insurance professionals however you may want to go higher depending on your personal finances and assets.
Example:
On your policy you may see your liability limits appear like this:
100,000/300,000/100,000
This means your limits are:
$100,000 Bodily Injury Liability limit per person
$300,000 Bodily Injury Liability limit per accident
$100,000 Property Damage Liability
Comprehensive and Collision coverage, often referred to as full coverage, are not required by the state. However, if you have a loan on your vehicle, your lender will require you to have full coverage.
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Auto Insurance Coverage
Liability
Covers damage you cause to someone else including bodily injury and property damage.
Comprehensive
Covers non-collision damages such as theft, vandalism and natural disasters.
Collision
Coverage that pays for damages to your own car when you're in an at-fault accident.
More Options
More options for rental car, roadside assistance, GAP coverage, medical payments and more.
See all auto insurance coverage options.
Auto insurance discounts
You can save big by taking advantage of as many discounts as possible. This can be as much as a 40 - 50% cost reduction. That's a nice chunk of change.
With discounts varying from company to company, one of our agents can help set up your policy so nothing is missed. We work with over a dozen insurance companies everyday and are experts at maximizing your auto insurance discounts.
Good driver, multi-vehicle and bundling with your home or renters are just a few examples of the biggest discounts you can earn. Check out our list of 24 auto insurance discounts you should be asking about to maximize your savings.
Frequently Asked Questions
The average cost for auto insurance in Creve Coeur is $1,003/yr for minimum coverage on a single car.
Auto insurance in Creve Coeur is about 24% higher than the rest of the state of Missouri according to our client data.
For minimum coverage on a single car, the average cost in Missouri is $874/yr, while St. Louis is $1,003/yr.
The minimum required coverage is required by state law in Missouri. You must carry:
- $25,000 Bodily Injury Liability per person
- $50,000 Bodily Injury Liability per accident
- $25,000 Property Damage Liability
Compared to surrounding states Missouri auto insurance rates are amongst the highest.
We compared 9 states around the midwest and only Kentucky and Oklahoma had higher rates.
No. Typically when people say full coverage they're referring to Comprehensive and Collision. Neither are required by state law in Missouri.
However, if you have a loan on your car, your lender is probably going to require full coverage.
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