Best Car Insurance in Saint Louis 2021

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  • Real Quotes
  • Best Carriers
  • Minimum Coverage
  • Full Coverage
  • Cost by Age
  • Bad Driving Record
  • Young Drivers Bad Driving Record
  • Save Money
  • Cost by Zip Code
  • Methodology
Car insurance in Saint Louis Missouri costs single-car drivers an average of $3,089 annually, or about $257 per month. Compared to the state annual average of $2,599, auto insurance in Saint Louis is $490 higher.
Here’s how much real Jerry customers pay for insurance in Saint Louis:

Real quotes for Jerry customers in Saint Louis, Missouri

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
September 21, 2020Kia Sportage EXMO33NationwideCustom$138/mo.$92/mo.
June 7, 2021Mazda 3 TouringMO22ClearCoverPreferred$150/mo.$102/mo.
March 18, 2021Mercedes-Benz GLC 43 4Matic AmgMO31KemperCurrent$170/mo.$124/mo.
June 18, 2021Kia Sorento LXMO41AllstateCurrent$255/mo.$125/mo.
April 12, 2021Ford Focus SEMO37TravelersStandard$154/mo.$126/mo.
The best way to secure the right plan for lower premiums in Saint Louis is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inSaint Louis have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Saint Louis, Missouri

Insurance Company
Before Jerry
After Jerry
National General$1,560$1,376
State Auto$2,142$1,630
Allstate$2,866$1,826
Nationwide$2,694$1,859
Travelers$2,681$1,975
Safeco$2,891$2,075
Kemper$2,687$2,127

Minimum coverage car insurance in Saint Louis

On average, the cost of minimum coverage car insurance in Saint Louis is $2,583 per year, or $215 per month.

The minimum level of car insurance required in Saint Louis is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Saint Louis:
Before Jerry
After Jerry
$2,708$1,587
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Safeco$1,788$936
Progressive$4,332$3,018
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Full coverage car insurance in Saint Louis

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Saint Louis:
Before Jerry
After Jerry
$2,582$2,361
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Travelers$2,208$2,145
Progressive$2,680$2,213
Allstate$3,300$2,814
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How does your age affect your auto insurance cost in Saint Louis?

If you’re a driver under 25 in Saint Louis, you could be paying as much as $71 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Saint Louis saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$6,164$3,656
21-24$3,618$2,442
On the contrary, here’s how much drivers aged 25 and over in Saint Louis pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,966$2,182
35-44$3,510$1,953
45-54$2,694$1,862
55-64$2,284$1,220
65+$2,892$2,832

Cheapest car insurance for drivers in Saint Louis with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Saint Louis saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$3,698$2,433
Speeding under 15$1,638$927
Here’s how much drivers with a bad driving record in [Saint Louis saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Kemper$2,040$1,596
Nationwide$3,442$1,762
Allstate$3,472$1,878
Progressive$3,033$2,123
Travelers$2,598$2,145
State Auto$3,236$2,548
Safeco$3,613$2,563

Cheapest car insurance for young drivers in Saint Louis with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$4,632$3,249
Speeding under 15$1,956$1,038
Here’s how much young drivers with a bad driving record in [Saint Louis saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$2,743$1,852
Travelers$2,880$1,886
Progressive$4,690$3,160
State Auto$4,200$3,213
Safeco$6,784$3,794
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How can you save money on car insurance in Saint Louis

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Saint Louis you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
June 18, 2021Kia Sorento LXMO41AllstateCurrent$255/mo.$125/mo.
July 1, 2021Toyota Highlander BaseMO45ProgressiveStandard$256/mo.$172/mo.
May 25, 2021Hyundai Accent SEMO40SafecoPredicted$196/mo.$146/mo.
June 7, 2021Mazda 3 TouringMO22ClearCoverPreferred$150/mo.$102/mo.
September 21, 2020Kia Sportage EXMO33NationwideCustom$138/mo.$92/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
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