The Federal Highway Administration reports that Missouri has more than 5.5 millions registered vehicles. St. Louis residents often share their roads with tourists and sports enthusiasts, which can lead to more car accidents. In 2020, 171 people were killed in St. Louis County and the city of St. Louis due automobile accidents. This account accounted for 17.29% statewide traffic deaths.
St. Louisans pay an average annual premium of $710 to insure their car. This is for minimum coverage. On average, St. Louis residents pay $2277 per year for full coverage car insurance. On average, residents pay $2,277 per year for full coverage car insurance.
The best car insurance companies of St. Louis
We considered many factors when deciding on the best St. Louis car insurance. These included coverages, discounts, customer service, satisfaction, financial strength, and price. J.D. has awarded our top picks higher than average regional scores. Power’s 2020 U.S. Auto Insurance Satisfaction Study ranked four of the top five companies and three offering lower-than average annual premiums to St. Louis drivers.
USAA
J.D. ranked USAA as the best regional overall customer satisfaction index score. Power’s 2020 U.S. Auto Insurance Satisfaction Study did not rank USAA as it offers only its products to U.S. Military personnel, veterans, pre-commissioned officers, and their spouses. USAA provides a complete line of auto insurance coverages for those who are eligible, as well as optional rental car reimbursement and roadside help.
We are grateful for the USAA’s commitment to military policyholders. USAA offers a 15% discount for members who keep their cars on base, and a 60% discount for those who store their vehicles while they are deployed. USAA has a highly rated mobile app that is available for Android as well as Apple. This allows policyholders to access their insurance card and report a claim from their smartphone or tablet. They can also request roadside assistance and request assistance.
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Progressive
Progressive offers car insurance through independent agents around St. Louis. They can also be contacted over the phone or online. This provider offers a wide range of discounts, including those for driving safely and purchasing multiple policies. You can also use its digital tools, such as choosing paperless documents and getting online quotes.
Progressive’s online “Name your Price” tool allows you to request a quote and input the price that you would like for auto insurance. You can then see the coverage options that best suit your needs. Progressive’s use-based insurance program Snapshot is also available to drivers. Snapshot tracks your driving habits and offers discounts for those who use a plug-in or mobile device.
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Geico
Geico offers St. Louis drivers great rates and a complete line of standard auto insurance coverages. Geico also offers optional road service coverage that covers various roadside requirements, such as fuel delivery, battery jumpstarts, and tire changes.
Geico also offers several auto insurance discount. If a driver is in an accident-free zone for five years, they can get a 22% discount. Policyholders can also receive a 25% discount if they have more than one vehicle. Geico offers discounts to military personnel and students, and provides savings on automobiles with security and safety features like anti-theft and airbags.
State Farm
State Farm is still able to offer its customers both online and phone service. However, many insurance companies have stopped operating brick-and-mortar offices and dedicated agents in St. Louis . State Farm’s mobile app is available for Android as well as Apple. This allows policyholders to easily access their insurance cards and contact their agent. They can also 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 Missouri and serves the St. Louis region with more that 40 local agents. All standard auto insurance policies are sold by the insurer, as well as some extras such accidental death coverage. Accidental death coverage pays a benefit to the beneficiary if a policyholder is struck and killed by a car or killed as a pedestrian. Shelter allows policyholders to add accidental death coverage for an additional fee.
Shelter customers have access to other insurance products from the provider, such as condominium, home, and renters insurance. They also offer insurance for things that make life more fun, such as ATVs, boats and motorcycles. Shelter also offers farm insurance that covers buildings, livestock, and equipment.
St. Louis has the lowest car insurance
Missouri residents pay an annual average auto insurance premium that is $448 for minimum coverage, and $1,661 to cover full coverage. St. Louis car owners pay $710 annually for minimum coverage, and $2,277 per year for full coverage. St. Louis drivers also pay higher rates than the national median of $565 for minimum coverage, and $1674 for complete coverage. It is important to shop around to find the best rates for yourself. We found some insurers that offer lower premiums than the average and are worth looking into.
These insurers not only offer excellent average rates for St. Louis drivers, but also meet important criteria. All five carriers have received A (Excellent or better AM Best financial strength ratings. All five providers made it to J.D. J.D. Power’s 2020 U.S. Auto Insurance Satisfaction Study found that three of these providers earned customer satisfaction index scores higher than the regional average. Some offer standard coverages while others provide a range of optional coverages. They offer great annual rates and allow customers to save even further with discounts.
When shopping for auto insurance, price is just one consideration. Ask for quotes from several companies. You should find the right insurance company that offers you the best combination of customer service, coverage options, and rates.
Insurance requirements in St. Louis
Missouri law requires that all drivers have minimum levels of auto insurance. This includes:
- $25,000 per person in bodily injury liability insurance
- $50K bodily injury coverage per accident
- Per accident, $10,000 in personal property liability coverage
- $25,000 per person in uninsured motorist bodily injuries coverage
- $50,000 per accident in uninsured motorist bodily injuries coverage
You should keep in mind that the minimum coverage might not offer the financial protection you require in the event of an incident. Let’s say you are the one who caused an accident and that the driver or passengers of the other vehicle suffer serious injuries. A policy that covers minimal bodily injury could result in you having to pay out-of-pocket costs. In some cases, $10,000 property damage liability will not cover the cost for auto body repairs after an accident. To determine the right amount of coverage, it is best to consult an insurance agent.
Missouri law doesn’t require you to purchase collision or comprehensive coverage. However, if your vehicle is financed or leased, lenders or leasing companies will likely require that you purchase collision and comprehensive coverages.
St. Louis car insurance discounts
It is crucial to find an insurer that offers great discounts. Our top picks for car insurance offer great discounts to St. Louisans, including:
- Good student discounts
- Multi-police and multi-vehicle discounts
- New vehicle discounts
- Discounts on vehicle safety and security devices
The level of discount offered by each carrier will vary. The value of a discount can vary from one carrier to the next. A member of the U.S. Army may not be eligible for a homeowner discount, but they could still benefit from military member or deployment discounts. Students can get great discounts on their car insurance, and homeowners can often save money by bundling their auto and home policies. It is worth shopping around to find a provider that offers discounts for you.
Questions frequently asked
Which is the best auto insurance company?
J.D. Power’s research shows that Auto-Owners Insurance, Geico and Shelter are the top three auto insurance companies in the central region. Based on J.D. Power’s research, Shelter, Geico, and Auto-Owners Insurance were the top three auto insurers in the central region for 2020. However, the “best car insurer” may be subjective. While price is important, it’s also important to find a provider that offers a good mix of coverages, customer service, and financial strength.
What is the cost of St. Louis car insurance?
Auto insurance in St. Louis is costly. It costs an average of $710 per year to get minimum coverage, and $2,277 to get full coverage. Missourians pay an average annual premium for minimum coverage of $448 and full coverage of $1,661. The average American pays a $565 annual premium for minimum coverage, and $1,674 to get full coverage. You can see that St. Louisans pay higher premiums than the national and state averages. It is worth shopping around to find the best rate.
What amount of car insurance do you need in St. Louis
Missouri law requires that all motorists have minimum coverage for bodily injury and property damages. Uninsured motorist coverage is also required. However, even minimum coverages may not provide sufficient financial protection. Talk to an agent about the coverages that you require.
