Car Insurance in St. Louis
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Missouri car insurance averages and driving habits in St. Louis.
- $122Full coverage, at the Missouri average each month.
- 25/50/25. The state's minimum limits.
What people driving around St. Louis pay
In Missouri, full coverage averages $1,462 a year, while the legal minimum averages $669. In a big city, prices usually sit above the state average, with more traffic, more claims and more theft.
| Coverage in Missouri | Per year | Per month |
|---|---|---|
| Liability | $669 | $56 |
| Collision | $431 | $36 |
| Comprehensive | $362 | $30 |
| Full coverage (all three) | $1,462 | $122 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving within St. Louis
| Census figure | St. Louis |
|---|---|
| People | 288,512 |
| Average trip to work | 22 minutes |
| Drive to work alone | 64% |
| Homes with no car | 18% |
| Median household income | $56,160 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate of your own
The Missouri calculator works out a price for your age, record and car. The state's rules appear in Missouri car insurance requirements.
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