St. Louis Auto Insurance Rates, Quotes, Agents & Reviews in MO

St. Louis, MO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Louis, MO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in St. Louis, MO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


St. Louis, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in St. Louis, MO with that of other cities in and around St. Louis.

St. Louis Uplands Park Wellston Pagedale Pine Lawn Maplewood
Average Insurance Rates $1,457 $1,402 $1,375 $1,388 $1,382 $1,501

St. Louis, MO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around St. Louis, MO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
St. Louis $1,257 $1,061
Wellston $1,266 $1,069
Hadley $2,150 $1,816
Hillsdale $1,389 $1,174
Uplands Park $1,217 $1,028
Pine Lawn $1,148 $970
Maplewood $1,133 $957
Pagedale $1,384 $1,169

St. Louis, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Louis, MO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,728
20 Years $1,872
30 Years $1,442
40 Years $1,387
50 Years $1,285
60 Years $1,303
70 Years $1,516

St. Louis, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Louis, MO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,506 $408
3 Vehicles $3,759 $612
4 Vehicles $5,012 $816

Savings on 2 Vehicles bundle:$408

Savings on 3 Vehicles bundle:$612

Savings on 4 Vehicles bundle:$816


St. Louis, MO Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around St. Louis, MO.

Location Average Insurance Cost Post DUI Insurance Rate
St. Louis $1,457 $2,078
Wellston $1,375 $1,961
Hadley $1,599 $2,281
Hillsdale $1,385 $1,976
Uplands Park $1,402 $2,000
Pine Lawn $1,382 $1,971
Maplewood $1,501 $2,141
Pagedale $1,388 $1,980

St. Louis, MO Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,250
Excellent (740-799) $1,427
Good (670-739) $1,518
Average (580-669) $1,981
Poor (300-579) $2,377

St. Louis, MO Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
The Keane Insurance Group None 135 W Adams Ave, Kirkwood, 63122 None
The Keane Insurance Group None 135 W Adams Ave, Kirkwood, 63122 None
Amy Centunzi Farmers 3470 Hampton Ave Ste 201, Saint Louis, 63139 (314) 457-8883
Elveeta Macon State Farm 2225 Kratky Rd, Saint Louis, 63114-1705 314-429-5433
Elveeta Macon State Farm 2225 Kratky Rd, Saint Louis, 63114-1705 314-429-5433
Elveeta Macon State Farm 2225 Kratky Rd, Saint Louis, 63114-1705 314-429-5433
Dana Kelly-Franks Allstate 2757 Wyoming St, Saint Louis, 63118 (314) 899-2602
Dana Kelly-Franks Allstate 2757 Wyoming St, Saint Louis, 63118 (314) 899-2602
Dana Kelly-Franks Allstate 2757 Wyoming St, Saint Louis, 63118 (314) 899-2602

St. Louis, MO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$64 $1,521
Driver's Failure In Showing Documents +$141 $1,598
Driving With An Expired Registration +$150 $1,607
Driving At A Considerably Slow Pace +$316 $1,773
Using A Cellphone While Driving +$334 $1,791
Running A Red Light +$339 $1,796
Speeding +$357 $1,814
Driving A Vehicle Without The Required Permission +$453 $1,910
Driving With An Expired/Suspended License +$982 $2,439

St. Louis, MO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,399
Active Disabling Device $1,399
Tracking Device $1,370
Passive Disabling Device $1,355