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How much is car insurance in Saint Louis?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Missouri are about $23 a month cheaper than the rates drivers pay in Saint Louis.
Likewise, Saint Louis residents should prepare to pay higher rates for coverage than the rest of the country. It's about $21 more expensive than the national average to insure your vehicle in Saint Louis.
Bear in mind that while these rates represent the expected monthly payments for Saint Louis drivers, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But don't worry, we've broken down average rates for Saint Louis residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Saint Louis.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Saint Louis bucks this trend. Female drivers typically pay around $6 more per month for car insurance coverage than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. The rate for drivers in Saint Louis with a single accident on their record is about $122 a month. In addition, drivers with a single ticket on their record can expect to pay around $135 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$98|
|15 Years or Older||$97|
In terms of affordable coverage, the cheapest vehicles to insure in Saint Louis are usually trucks and vans, at $91 per month.
Car owners, on the other hand, typically pay around $104 a month, while SUV drivers can expect to pay about $97 per month for auto insurance.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Saint Louis, for example, are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$105|
On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Saint Louis is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Your living accommodations is another component of how insurance companies calculate your monthly rate. In Saint Louis, homeowners can expect to pay around $15 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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 selecting an auto insurance policy.
In Saint Louis, car insurance rates decreased from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $96.
How does Saint Louis compare to neighboring areas?
Why are car insurance rates in Saint Louis different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Access to off-street parking
- Number of car accidents
- Total drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
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.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing coverage in Saint Louis.
Saint Louis Insurance FAQs
What factors affect car insurance quotes in Saint Louis?
Car insurance companies calculate quotes based on a wide array of factors. These 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?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Saint Louis?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Saint Louis or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.