According to the Federal Highway Administration, there are over 5.5 million registered vehicles in Missouri. During peak sports and tourist seasons, St. Louis residents share their roadways with countless out-of-town visitors, leading to greater chances of car crashes. In 2020, 171 people died in the city of St. Louis and in St. Louis County due to automobile accidents, which accounted for 17.29% of statewide traffic deaths.

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St. Louis residents pay an average annual car insurance premium of $710 for minimum coverage. For full coverage car insurance, residents pay $2,277 a year on average. These city rates are higher than state and national averages.To find the best cheap auto insurance carriers in St. Louis, we searched the market to find insurers that provide the coverages St. Louis motorists need, comparing customer service and satisfaction, pricing and financial strength.

Best car insurance companies in St. Louis

In our search for the best car insurance in St. Louis, we considered several key factors, including coverages, discount options, customer service and satisfaction, financial strength and price. All our top picks have earned above average regional average scores in J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study, with four ranking among the top five, and three companies offering lower-than-average annual premiums for St. Louis drivers.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
USAA 905 / 1,000 $275 $1,003
Progressive 849 / 1,000 $658 $2,060
Geico 855 / 1,000 $667 $2,202
State Farm 849 / 1,000 $815 $2,108
Shelter 855 / 1,000 $963 $2,829


Although USAA earned the highest regional overall customer satisfaction index score in J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study, it does not qualify for ranking because it only offers its products to U.S. Military members, pre-commissioned officers, veterans and their children and spouses. For those who qualify, USAA offers a full line of standard auto insurance coverages, plus optional rental car reimbursement and roadside assistance.

We appreciate USAA’s dedication to its military policyholders. The provider extends up to a 15% discount on comprehensive coverage to members who garage their vehicles on base and up to a 60% discount when they put their automobiles in storage while deployed. USAA also has a highly-rated mobile app – available for Android and Apple devices – which enables policyholders to access their insurance card, report a claim and request roadside assistance from their smartphone or tablet.

Learn more: USAA Insurance Review


Progressive sells car insurance through independent agencies in and around St. Louis, over the phone and online. The provider offers an outstanding selection of discounts for driving safely, buying multiple policies and utilizing its digital tools such as choosing paperless documents, requesting online quotes and signing documents online.

Progressive’s online “Name Your Price” tool enables you to request a quote, input the price you would like to pay for auto insurance and see the coverage options that fit your budget. Drivers can also take advantage of Progressive’s usage-based insurance program, Snapshot. Using a mobile app or plug-in device, Snapshot monitors each trip you take and awards discounts if you maintain good driving habits.

Learn more: Progressive Insurance Review


Geico offers St. Louis motorists great rates and a full lineup of standard car insurance coverages. The carrier also offers optional emergency road service coverage to help cover various roadside needs, including battery jump starts, fuel delivery, lockout service, tire changes and towing.

Geico also has several auto insurance discounts. Good drivers can earn up to a 22% discount when they remain accident-free for five years, and policyholders can receive up to a 25% discount for insuring more than one vehicle. Geico also offers discounts for military members and students and extends savings for automobiles equipped with safety and security features such as airbags and anti-theft systems.

Learn more: Geico Insurance Review

State Farm

While many insurance companies only offer their customers phone and online service, State Farm continues to operate brick-and-mortar local offices and dedicated agents, including in St. Louis. Policyholders can also enjoy the convenience of using State Farm’s mobile app – available for Android and Apple devices – which enables them to access their insurance cards, contact their agent, file and manage claims, request roadside assistance and upload documents.

State Farm also offers two usage-based programs, Drive Safe and Save, which extends up to a 30% discount for maintaining safe driving habits, and Steer Clear, specifically designed for young drivers under 25. The carrier sells all the standard coverages you need, plus a few extras, including emergency road service and rideshare driver coverage.

Learn more: State Farm Insurance Review


Headquartered in Columbia, Missouri, Shelter serves the St. Louis area with more than 40 local agents. The insurer sells all standard auto insurance coverages, plus a few extras like accidental death coverage. If a policyholder is killed in an automobile accident or struck and killed as a pedestrian, accidental death coverage pays a death benefit to the named beneficiary. Shelter also enables policyholders to extend accidental death coverage to other family members for an additional cost.

Shelter customers can take advantage of the provider’s other insurance products, including condominium, home and renters insurance, as well as insurance for the things that make life fun, like ATVs, boats, motorcycles and RVs. Shelter also sells farm insurance, offering coverage for buildings, equipment and livestock.

Learn more: Shelter Insurance Review

Cheapest car insurance in St. Louis

Statewide, Missouri drivers pay an average annual auto insurance premium of $448 for minimum coverage and $1,661 for full coverage. But St. Louis automobile owners pay much higher average annual rates, $710 for minimum coverage and $2,277 for full coverage. St. Louis motorists also pay much higher rates than the national average of $565 for minimum coverage and $1,674 for full coverage. It is important to shop around for the best rates for you, and to help you do this, we found a few insurers that offer auto insurance premiums below the average rates and are worth considering.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $275 $1,003
Progressive $658 $2,060
Geico $667 $2,202
Allstate $688 $1,924
Farmers $726 $1,783

These insurers offer good average rates for St. Louis drivers but also meet other important criteria. All five carriers have earned A (Excellent) or better AM Best financial strength ratings. These providers all made the cut in J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study and three earned overall customer satisfaction index scores above the regional average. They sell standard coverages, and some offer a selection of optional coverages. Besides offering great average annual rates, they enable customers to save even more money with discounts.

Price is only one factor to consider when shopping for auto insurance, though. Request quotes from a few companies. The best insurance company for you should offer the best combination of coverage options, customer care, financial strength and rate.

St. Louis insurance requirements

Missouri law requires all drivers to carry minimum levels of auto insurance coverage, including:

  • $25,000 in bodily injury liability coverage, per person.
  • $50,000 in bodily injury liability coverage, per accident.
  • $10,000 in personal property liability coverage, per accident.
  • $25,000 in uninsured motorist bodily injury coverage, per person.
  • $50,000 in uninsured motorist bodily injury coverage, per accident.

Keep in mind that minimum coverage may not provide the financial protection you need in the event of an accident. Suppose you are at fault for an accident, and the driver and passengers in the other vehicle sustain serious injuries. In that case, a policy with minimum bodily injury coverage could leave you paying costs out of pocket. And $10,000 property damage liability may not cover the cost of auto body repairs following an accident. It’s best to speak with an insurance agent to determine how much coverage you need.

Missouri law does not require you to buy collision and comprehensive coverage. But, if you finance or lease your automobile, the leasing company or lender will likely require you to buy these coverages.

Car insurance discounts in St. Louis

Finding an insurer that offers great discounts is important. Luckily, our top car insurance picks offer a wide range of discounts to St. Louis drivers, including:

  • Good student discounts
  • Multi-policy and multi-vehicle discounts
  • New vehicle discounts
  • Vehicle safety and security devices discounts

Discount programs, and the levels of savings they offer, vary by carrier. And the value of a discount is subjective. For instance, a member of the U.S. Army who frequently relocates may not qualify for a homeowner discount but could benefit from military member and deployment discounts. Good student discounts can save young drivers on car insurance and homeowners can often earn savings when bundling auto and home policies. It pays to shop around for a provider that extends discounts for which you qualify.

Frequently asked questions

What is the best car insurance company?

Based on J.D. Power’s research, Auto-Owners Insurance, Geico and Shelter were the top three auto insurance companies in the central region in 2020. But the “best car insurance company” can be subjective. Price is important, but look for a provider that can provide you with a good combination of coverages, customer care, discounts and financial strength.

How much does car insurance in St. Louis cost?

St. Louis auto insurance is expensive, on average $710 per year for minimum coverage and $2,277 for full coverage. Statewide, Missourians pay an average annual premium of $448 for minimum coverage and $1,661 for full coverage. Nationally, Americans pay an average annual premium of $565 for minimum coverage and $1,674 for full coverage. As you can see, St. Louis residents pay higher premiums than state and national averages, so it pays to shop around for the best rate for you.

How much car insurance do I need in St. Louis?

Missouri law requires all drivers to carry minimum levels of bodily injury and property damage liability coverages as well as uninsured motorist coverage. But minimum levels of coverage may not always provide enough financial protection. Speak with an insurance agent to find out what coverages you need.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.