When it comes to finding the cheapest car insurance in St. Louis, Missouri, there are several key takeaways to keep in mind. According to data compiled by Quadrant Information Services, USAA, Travelers, Progressive, and State Farm are the top contenders for affordable car insurance for most drivers in St. Louis. The average cost of full-coverage auto insurance in St. Louis is $3,426 per year or $286 per month, while minimum liability insurance costs an average of $967 per year or $81 per month.
Travelers stands out as the most affordable option in St. Louis, with average rates of $523 per year for minimum coverage and $1,838 per year for full-coverage plans. However, the cheapest insurance rates for each individual will depend on factors such as preferred coverage and driving history.
For St. Louis drivers, large insurers like USAA, Travelers, and Progressive typically offer the most competitive rates. USAA, in particular, tends to offer the most affordable rates, but keep in mind that their coverage is only available to active-duty military members, veterans, and their immediate families. For other drivers, Travelers or Progressive may be the best options.
When it comes to medium-sized insurers, Auto-Owners Insurance and Missouri Farm Bureau Insurance are the top choices for affordable car insurance in St. Louis. These companies offer competitive rates for both minimum and full-coverage policies.
In terms of minimum coverage car insurance, USAA and Missouri Farm Bureau generally offer the cheapest rates in St. Louis. On average, St. Louis drivers can expect to pay $23 per month or $273 per year for liability insurance from USAA and $39 per month or $472 per year with Auto-Owners Insurance.
For full-coverage car insurance, USAA and State Farm are the top contenders for affordable rates in St. Louis. USAA charges an average of $117 per month or $1,398 per year, while Travelers’ average rates are $153 per month or $1,838 per year. On the other hand, Geico offers the most expensive full-coverage rates in St. Louis, averaging $388 per month or $4,653 per year.
Factors that affect car insurance rates in St. Louis include age, marital status, driving record, credit history, gender, and vehicle type. Young drivers, drivers with speeding tickets, at-fault accidents, or DUI convictions on their record may face higher insurance premiums.
Overall, car insurance in St. Louis is more expensive than the state and national averages. However, by comparing quotes from different providers and taking advantage of discounts, drivers can find affordable coverage that meets their needs. Consider reaching out to the best car insurance companies in the country for free quotes to find the best rates for your specific situation.