Cheapest Car Insurance In Saint Louis, MO 2025

Searching for low-cost car insurance in Saint Louis, MO, reveals a lot of varying options.

When it comes to budget-friendly liability coverage, State Farm leads the pack. Drivers needing full coverage will find the best deals with Allstate, and young drivers can score the lowest rates through Farmers.

Cheapest Full Coverage Insurance Rates In Saint Louis: Allstate

For full coverage in Saint Louis, Allstate has the cheapest rates, averaging $139 a month.

The following table highlights average quotes from the most affordable auto insurance companies in Saint Louis.

Cheapest Liability-only Car Insurance In Saint Louis: State Farm

With an average monthly rate of $55, State Farm is the most budget-friendly option for minimum coverage in Saint Louis.

Use the table below to see how rates differ between insurance providers.

Cheapest Rates In Saint Louis For Teenagers: State Farm

For teenage drivers in Saint Louis, State Farm provides the lowest rates, with average premiums of $192 per month.

The following table lists the companies providing the most affordable car insurance for teenagers.

Cheapest Car Insurance Rates For Seniors: Allstate

Allstate provides seniors in Saint Louis with the most affordable car insurance, costing around $106 a month.

The following table highlights average quotes from budget-friendly auto insurers for seniors.

Cheapest Auto Insurance For Young Adults in Saint Louis: Farmers

In Saint Louis, Farmers has the cheapest insurance rates for young adults, averaging $152 a month.

Use the table below to see the cheapest auto insurance options for young adults in Saint Louis.

Cheapest Car Insurance In Saint Louis For Good Drivers: State Farm

For good drivers in Saint Louis, State Farm provides the cheapest car insurance, with an average cost of $55 a month.

Good drivers can use the table below to find average quotes from the lowest-cost insurance providers.

Cheapest For Drivers With After At-Fault Accident: Allstate

Drivers who have an at-fault incident can find the cheapest car insurance with Allstate, costing around $101 a month.

Here’s a list of the car insurance companies with the cheapest rates for drivers who’ve had an at-fault accident.

Cheapest Rates In Saint Louis For Drivers After A DUI: Allstate

Allstate is the most affordable option for drivers after a DUI, offering Saint Louis residents average premiums of $122 a month.

Saint Louis drivers with a DUI can find the most affordable rates in the table below.

Cheapest Car Insurance In Saint Louis After A Speeding Ticket: Allstate

In Saint Louis, Allstate stands out for its low rates, offering an average of $97 per month for drivers who’ve received a speeding ticket.

Below is a table displaying average rates for drivers with a speeding ticket on their record.

How Much Is Car Insurance In Other Cities in Missouri?

The city you live in has a big impact on your car insurance rates. Insurers take into account factors such as accident frequency, theft, and vandalism, which are generally higher in urban areas, leading to higher premiums.

For example, the average car insurance cost in Florissant is $218 per month, while Jefferson City residents pay around $111 per month.

Average Auto Insurance Rates In Saint Louis – By Age

One of the biggest factors in car insurance rates is age. Because younger drivers are more likely to get into accidents and have violations, they often pay more. Teenagers typically face annual insurance costs of around $4,341.

At age 25, car insurance rates often begin to fall for drivers who maintain a clean record.

The most affordable insurance rates are usually given to drivers in their 50s and early 60s, as insurers consider age to evaluate driving experience and risk.

Best Car Insurance Companies In Saint Louis

Drivers in Saint Louis can get the best deal from State Farm, with premiums of $55 a month, while Allstate and GEICO offer options at $74 and $80 per month.

Here are the top 10 car insurance companies in Saint Louis, MO, ordered by the average monthly rate they offer.

Average Cost Of Auto Insurance In Saint Louis – By Zip Code

Car insurance rates vary by zip code as insurers rely on them to evaluate local crime rates.

Below is a table displaying average insurance rates across different zip codes in Saint Louis.

Average Rates In Saint Louis – By Vehicle

Insurance rates are heavily influenced by the type of car you drive. Companies evaluate the make, model, year, and body type. Newer vehicles, especially luxury models with advanced features and expensive replacement costs, usually carry higher premiums.

Below is a table displaying average insurance rates in Saint Louis based on vehicle type.