Compare Auto Insurance in St. Louis, MO
Friday, November 2 2018 By QuoteWizard
When St. Louis was first established, it gained the nickname, “The Gateway to the West” because many travelers would stop there on their way out west. Even the famous Lewis and Clark Expedition departed from St. Louis in May of 1804. Nowadays, St. Louis has emerged as a center for biotech innovation and its beloved Cardinals have won more World Series titles than any other MLB team except one. For all this city gives America, its residents should pay less for car insurance.
Average St. Louis Car Insurance Rates
How is car insurance in St. Louis, MO? Despite their safe driving habits, residents of St. Louis have higher car insurance rates than most of Missouri. This is thanks to a car theft rate five times higher the national average, a large number of uninsured motorists, and other factors common to urban environments such as property crime and traffic congestion.
The average cost of auto insurance in Missouri is $745.045 per year. The national average price is $889.01. You can be sure that rates in St. Louis are much higher than the state average.
Prices may vary depending on your driving history and the number of claims filed in your zip code.
|Total Cost Per Year||$745.04|
|Price Per Month||$62.83|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Missouri rates from 2011 to 2015, the most recent year the data is available. According to the III, Missouri car insurance rates increased from $674 in 2011 to $745 in 2015, a jump of $70 dollars, or 10.44 percent.
QuoteWizard helps St. Louis residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near St. Louis, Missouri and save up to 40% on your premium.
Last year, 20,279 people used QuoteWizard to compare auto insurance quotes in St, Louis, MO from multiple companies to find the cheapest rates.
Best Car Insurance Companies in St. Louis, MO
This is our list of the most common insurance companies reported by QuoteWizard users living in St. Louis, Missouri last year. Of the 20,279 people who requested quotes, 1,482 of drivers did not have insurance.
Top 10 Vehicles in St. Louis
These are the most common vehicles owned by St. Louis drivers requesting quotes through QuoteWizard in the past year.
- Ford F150
- Chevrolet Impala/Impala LS/LT
- Ford Taurus SE
- Honda Accord EX
- Chevrolet Cavalier
- Chevrolet Malibu/Malibu LS
- Pontiac Grand Prix GT
- Chevrolet Blazer
- Ford Mustang
- Ford Explorer
Minimum Car Insurance Requirements in St. Louis, MO
St. Louis, Missouri has a minimum coverage requirement known as the 25/50/10 rule. This means each policy must include at least:
- Individual Bodily Injury Liability (BIL): $25,000.
The most insurance companies will pay for one person injured in a car accident.
- Total Bodily Injury Liability: $50,000.
The total amount your insurer will pay for every person injured in a car accident.
- Property Damage Liability (PDL): $10,000.
The maximum your insurance carrier will pay for property damage caused by a car accident.
St. Louis Drivers
According to the Best Drivers Report published by Allstate Insurance, St. Louis ranked 145th out of 200 cities for safe driving. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 7.8 years.
Some factors that can affect insurance rates are driving conditions.
St. Louis is very close to the geographic center of the United States and is very far from major bodies of water. This makes winters very cold and scorching hot in the summer. It can rain a lot here and this creates freeway nightmares for commuters. There’s more than enough moisture and cold left over during the winter months for snow to cause more problems for drivers. On average, there are113 days of precipitation per year, with 14.5 inches of snow annually on average.
St. Louis roads have improved in recent years, but there’s still a lot of work yet to do to make area roads safe. TRIP reports that 16% of the major roads are in poor condition and 29% are mediocre. These poorly maintained streets cost drivers $438 a year in extra vehicle operating costs.
TomTom ranked St. Louis 62nd for worst traffic congestion in the US. An average commuter spends 12% more time stuck in traffic during rush hour commutes. For evening commutes, drivers spend up to 29% more time than average in traffic.
Traffic data provider Inrix ranks St. Louis 23rd for worst traffic congestion in a large metropolitan area in the US. Their data shows that commuters spent an extra 69,350 hours delayed in traffic annually. Commuters also spent a total of $1.6 million in extra congestion-related costs.
Moving violations like speeding, failure to stop, speeding, and drunk driving will give you a bad driving record and raise your insurance rates.
The St. Louis Municipal Court website allows residents to pay traffic tickets and fines. It also tells drivers how to contest tickets and provides helpful traffic court information.
According to Missouri State Court data, 1,607 cases of DWI in St. Louis County ended with a guilty charge in 2014. With good public transit, cabs, and rideshare services, there’s no reason to risk a DWI. Paying for a ride home will always cost much less than a DWI.
SR-22 DWI Insurance
A DWI conviction may require you to obtain an SR-22 form. Request a quote and we’ll will connect you with local agents from top companies that specialize in St. Louis DWI insurance.
St. Louis reported 44 motor vehicle crash fatalities in 2013. For a city with a population of 318,416, this puts the rate of traffic fatality at 3.45 per 100,000 people. This is slightly lower than the rate for the US as a whole, which is 15.42 per 100,000 people.
Vehicle Theft Rates
St. Louis Police Department recorded 3,247 vehicle thefts in 2014, a rate of 10.23 per 1,000 city residents. This rate is almost five times the national average of 2.16 stolen cars per 1,000 people.
Car Insurance Discounts in St. Louis
Discounts are a great way to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in St. Louis, MO depending on your carrier. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.
- Bundle your auto policy with your homeowners or renters insurance. Bundling your cars and insurance policies together could save you as much as 15%
- If you’re 55 or older you could qualify for either the senior discount or the 55 and retired discount
- Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
- Safe driver. If you have a perfect driving record, you may qualify for the accident free discount
- Get a new car to qualify for the new car discount. If the car has advanced safety features and anti-theft devices and an alarm system you could qualify for additional insurance discounts
- Drive less by living close to work and you might qualify for the low mileage discount
- Maintain at least a B grade point average in school to qualify for the good student discount
- Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
- Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
- Shop around and compare low-cost St. Louis auto insurance quotes
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