St. Louis, MO Auto Insurance

Compare auto insurance in St. Louis, MO. Choose from Travelers, Safeco, Progressive and dozens of other top companies.

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    How much is auto insurance in St. Louis, MO?

    Auto insurance in St. Louis is about 25% higher than the rest of the state of Missouri according to our client data. This is due to population density, car accidents, weather patterns and crime along with other variables. St. Louis county had a population of 987,059 in 2023 according to the United States Census Bureau.

    For minimum coverage on a single car, Missouri auto insurance has an average cost of $874/yr, while St. Louis is $1,092/yr.

    Auto insurance in St. Louis vs Missouri Average annual cost
    St. Louis $1,092/yr
    Missouri $874/yr

    Who are the best auto insurance companies in St. Louis?

    We work with many, not all, insurance companies in St. Louis for auto insurance. We rate them based on our personal experience with our clients, not some regergitated data everyone is scraping from the internet.

    As an independent agent, we can choose from over 2 dozen companies. Here are our top recommendations:

    Rank Company Reasoning
    #1 Travelers Fewest customer complaints. Rates are stable. Our customers give very positive feedback about their claims experience.
    #2 Cincinnati Strong policy. Great claims experience. One of the best reputations in the industry.
    #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.

    Choose from dozens of top rated auto insurance companies.

    How it Works

    Request a Quote

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    Review Your Options

    Your agent will show you the best options and help you choose the best policy for you.

    Finalize

    You can finalize your policy right from your phone. We'll even help you cancel your old policy.

    What our customers are saying

    5.0 Google Reviews google review 5 stars

    funnyman KAOZ
    a month ago
    The service agent gave me top-notch customer service. He knew what he was talking about and made the whole experience an enjoyable one. You're very lucky to have him on your team. He was very knowledgeable and made things simple to understand. I will always go to him in the...
    Ronald Gaddis
    4 months ago
    Insurance is a necessity of life and finding an insurance agency that is trustworthy, professional, responsive to the needs of their clients and not trying to sell you a policy which financially benefits them and not you is difficult to find. Having said that, I am happy to say that...
    Mike Koertel
    6 months ago
    Brian was fantastic to work with. He handled the entire process from start to finish (reviewing our current policies with another agency, presented us with new quotes & policies, and assisted with the transition of changing companies/policies). I never once felt like I was rushed to make a...

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    Auto Insurance Coverage

    auto liability coverage

    Liability

    Covers damage you cause to someone else including bodily injury and property damage.

    hailing on car

    Comprehensive

    Covers non-collision damages such as theft, vandalism and natural disasters.

    car crash

    Collision

    Coverage that pays for damages to your own car when you're in an at-fault accident.

    car being towed

    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 ensuring you have all the discounts you qualify for. This can be as much as a 40 - 50% cost reduction. You don't want to leave that on the table.

    With discounts varying from company to company, one of our agents can help set up your policy so nothing is missed. They 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 St. Louis is $1,092/yr for minimum coverage on a single car.

    Auto insurance in St. Louis is about 25% 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 $1,092/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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