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How much is car insurance in Saint Louis?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $25 a month more expensive to insure your vehicle in Saint Louis than it is in the rest of Missouri.
If you're considering relocating to Saint Louis from out of state, you may want to budget a little extra for your insurance. It's about $20 more expensive for coverage in Saint Louis than the average rates for the U.S. as a whole.
Bear in mind that while these are the average car insurance rates for Saint Louis, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Saint Louis residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement age, your rates may rise again in Saint Louis.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their vehicle, in Saint Louis men actually pay $98 per month for coverage while women pay $104.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Saint Louis with one accident will pay around $122 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $125.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$96|
|15 Years or Older||$94|
As you can see in the first table above, the cheapest vehicles to insure in Saint Louis are usually trucks and vans, which run about $88 per month.
Car owners, on the other hand, by and large pay around $105 per month, while SUV drivers can expect to pay about $96 a month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Saint Louis are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$104|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Saint Louis as well, where the difference is around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$139|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $13 a month more than those who own their own home in Saint Louis. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Saint Louis, MO
Recent trends in car insurance for Saint Louis drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Car insurance rates in Saint Louis have been mixed recently. They dropped in 2017, rose in 2019, and fell again in 2021, before finishing at $87 in 2022.
How does Saint Louis compare to neighboring areas?
Why are car insurance rates in Saint Louis different from other areas?
Car insurance companies will take into account many factors when choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Crime rates
- Community regulations
- Off-street parking access
- Road Safety (frequency of local car accidents)
- Amount of drivers in the region
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Saint Louis?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Saint Louis in no time.
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Saint Louis Insurance FAQs
What factors affect car insurance quotes in Saint Louis?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Saint Louis different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Saint Louis?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Saint Louis?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Saint Louis or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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