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Cheapest Auto Insurance in St. Louis, MO

Compare Rates for Car Insurance Near Me

CityInsurance Rate
St. Louis$1840
University City$1020
Stites, IL$1750
Hanley Hills$2210

SR-22 Car Insurance Rates after DUI

CityInsurance Rate
St. Louis$3422
University City$1897
Richmond Heights$2650
Pasadena Hills$1860

Car Insurance Rates by Segment

SegmentInsurance Rate
All Teens$5078
Female Teens$4618
Male Teen$5612
All Women$1711
Married Women$1564
All Men$2576
Married Men$2263

St. Louis is one of the most prominent cities in the Midwest. In recent times, the city has become well-known for being one of the most dangerous metropolises in the country – in fact, it’s one of the most dangerous cities on the planet. Despite this, St. Louis has plenty to offer local residents – there is still a thriving economy and the area plays home to various professional sports franchises.

With crime at an all-time high, it’s more important than ever to insure your car in St. Louis. But it can be expensive if you don’t know how to find the cheapest quotes on the market. Our company is dedicated to helping you compare auto insurance quotes online. We also provide you with plenty of information on local driving conditions, average auto insurance rate by state, and laws. Make sure to check out all our information on St. Louis below!

St. Louis: Driving Conditions in the City

Believe it or not, but St. Louis is one of the only major cities in the United States that doesn’t appear to have massive traffic issues. If you live in the city, you won’t have to worry too much about traffic – but still keep an eye on reports to make sure you’re aware of any congestion.

The major hazard in St. Louis is weather. While winter months aren’t overly harsh, they still provide snow and ice on occasion. It’s important to be very careful when driving in these types of conditions. You don’t want to put you or your family at risk on the roads. Make sure to check local weather updates and listen to warnings from regional officials.

Driving Safely in St. Louis, Missouri

If you want to drive as safely as possible in St. Louis, it’s important that you obey the law. The city and state of Missouri have local and state regulations in place to help keep drivers as safe as possible. Not only will breaking these laws put you at risk of injury or death, it will also put you at risk of receiving a large fine from officials – make sure to obey them. Below we’ll take a look at some of the most common laws on the market:

Phone/Handheld Laws in St. Louis

Texting laws in St. Louis depend on the age of the driver and the type of vehicle that is being used. Drivers under the age of 21 cannot text and drive while on the phone – in addition, anyone driving a commercial vehicle is banned from texting and driving. While those over 21 are able to use their phone in some capacity, it is highly advised that this is avoided at all costs. Distracted driving causes serious risk of injury or death.

Seatbelt and Car Seat Laws in St. Louis

If you are riding in the front passenger seat of a vehicle, or you are driving a vehicle, you will need to have a seatbelt. Those in the back seat are not legally required to wear a seatbelt unless the driver of the vehicle is on an intermediary license. You also have to wear a seatbelt if you are under the age of 16.

Car seat laws are slightly complicated in Missouri, they change depending on age and weight. We’ll take a look at car seat laws in more detail below:

  • Children under one year of age or under 20 lbs. – Rear-facing child seat
  • Children under four years of age and under 40 lbs. – Child passenger restraint ‘appropriate for the child’ – must be secured
  • Children between four and seven, weighing over 40 lbs. – Child booster seat
  • Children eight or over, 80 lbs. or more, and 4’ 9” or more – Regular seatbelt, required to wear until at least 16.

Helmet Laws in St. Louis

In the state of Missouri, there are very strict helmet laws for those riding motorcycles. If you want to be as safe as possible, you should wear a helmet at all times regardless of local laws. This being said, Missouri law requires motorcycle riders and passengers to wear helmets at all times while on roads in the state.

Alcohol and Drug Laws (Driving)

Those driving in St. Louis must adhere to Missouri impairment laws. If you are driving with a blood alcohol concentration (BAC) of .08 or higher, you can be charged with a DUI. Many first offenders will lose their license for 30 days and may receive other punishments. Second offenders may also receive a year license suspension, a year in jail, and a $1,000 fine. Third-time offender can face up to seven years in prison and a $5,000 fine. You'll also need to look at getting an auto insurance with SR22 quote since you can no longer carry just normal car insurance and legally drive.

Cheapest Auto Insurance in St. Louis Missouri

St. Louis Statistics

As you may already know, St. Louis is considered one of the most dangerous cities in the country – it is often ranked at number one. For this reason, there is also a large amount of vehicle crime and related problems that you might find impact your ability to own a car safely. A comprehensive insurance plan can help you protect against vehicle theft, car damage, and insurance fraud. It’s always important to have a solid plan if you live in a city like St. Louis.


If you’re looking to reduce your risk of financial problems as much as possible, an insurance policy can help you. St. Louis can be a dangerous place to own a car, so you’ll want to be certain that you’re covered for a host of different options. Not being covered can be a serious issue if your vehicle is stolen or damaged in an accident. On our site, you’ll find all the resources you’ll need to get cheap insurance in Missouri that make sense for your situation.

If you think you’ll be driving in another city or state, make sure to check out some of our other area-specific pages. They’re a great way to find out relevant information for the region you’ll be driving in. Also, we have tons of resources for anyone who wants to purchase vehicle insurance – check out some of our other content and get free car insurance quotes while you're at it!

Car Insurance Companies in St. Louis

insurance places near me
Map data © 2021 Google.

AABCO National Insurance Agency

4438 Chippewa St, St. Louis, MO 63116, USA

(314) 481-1000


Auto Insurers Inc

4249 S Kingshighway Blvd, St. Louis, MO 63109, USA

(314) 832-4899

No website found


Rodney D. Young Insurance

5239 Delmar Blvd, St. Louis, MO 63108, USA

(314) 361-7933


MJM Insurance of St Louis

5408 Hampton Ave A, St. Louis, MO 63109, USA

(314) 645-2100


American Automobile Association (AAA) - St. Louis, ACMO (MO)

9960 Kennerly Ctr, St. Louis, MO 63128, United States

(314) 849-6663


Jim Price: Allstate Insurance

2020 S 12th St, St. Louis, MO 63104, USA

(314) 776-4061

Auto Body Shops in St. Louis

Auto Body Shops in St. Louis,Missouri
Map data © 2021 Google.

Wicke Auto Services & Body Co

453 N Newstead Ave, St. Louis, MO 63108, USA

(314) 533-0339


Auto Art Collision and Restoration Center

5305 Northrup Ave, St. Louis, MO 63110, USA

(314) 773-6663


Rowland Collision Repair Center

4315 S Kingshighway Blvd, St. Louis, MO 63109, USA

(314) 352-5700


Niebling Auto Body

4111 Meramec St, St. Louis, MO 63116, USA

(314) 772-8800


EBG Auto Body Inc

7023 Manchester Ave, St. Louis, MO 63143, USA

(314) 781-2660


Spanish Lake Body Shop

1339 Dunn Rd, St. Louis, MO 63138, USA

(314) 867-3333

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