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Last updated: October 31, 2025Best Cheap Car Insurance in St. Louis
USAA offers the cheapest auto insurance in St. Louis at an average of $1,446 for full coverage and $573 for minimum coverage.
Cheapest for Military/Veterans
Editor's Rating:
5/5
5/5Average Cost in St. Louis
- Full Coverage Monthly: $120
- Minimum Coverage Monthly: $48
Cheapest for Minimum Coverage
Editor's Rating:4.7/5
4.7/5Average Cost in St. Louis
- Full Coverage Monthly: $238
- Minimum Coverage Monthly: $83
Best Value
Editor's Rating:4.9/5
4.9/5Average Cost in St. Louis
- Full Coverage Monthly: $200
- Minimum Coverage Monthly: $91
Key Takeaways
- Auto insurance in St. Louis is expensive: average full coverage auto insurance is $3,031 annually and minimum liability coverage averages $1,194 annually. Both are significantly higher than the Missouri average.
- USAA, GEICO, Progressive, and State Farm offer some of the cheapest auto insurance in St. Louis. Shelter offers stellar customer service at slightly higher rates.
- Average rates help you compare companies, but your rate for auto insurance will vary. Individual rates depend on a variety of factors like your driving history, vehicle, and age.
Our Top Picks for the Best Cheap Auto Insurance in St. Louis
- Cheapest for Military/Veterans: USAA
- Cheapest Minimum Coverage for Non-Military: Progressive
- Best Value: State Farm
- Cheapest Full Coverage for Non-Military: GEICO
- Best for Customer Satisfaction: Shelter
Compare the Best Cheap Auto Insurance in St. Louis
| Company | Full coverage annual average | Minimum coverage annual average | Central Region customer satisfaction (J.D. Power) |
|---|---|---|---|
| USAA | $1,389 | $573 | Above average |
| Progressive | $2,855 | $997 | Below average |
| State Farm | $2,400 | $1,087 | Above average |
| GEICO | $2,319 | $1,101 | Below average |
| Shelter Insurance | $3,067 | $1,650 | Above average |
| St. Louis Average | $3,031 | $1,194 | – |
What’s the difference?
A primary difference when comparing minimum liability coverage vs. full coverage insurance is how your costs are covered in an accident or incident. Liability typically covers other drivers’ costs; full coverage includes collision and comprehensive coverage for your vehicle.
Detailed List of the Best Cheap Providers in St. Louis
1. USAA - Cheapest for Military/Veterans
5
Editor's Rating:
- Average Rate forMinimum Coverage$36 mo.
- Average Rate forFull Coverage$128 mo.
- Cheapest St. Louis rates
- Outstanding customer service
- Military-specific coverage
Military eligibility required- Limited to members
- Fewer branch locations
Why we chose it
USAA offers the cheapest average rates for both full coverage and minimum coverage auto insurance in St. Louis — and by a wide margin. USAA is not available to everyone, only to eligible military service members, veterans, and their families. For those who qualify, USAA offers low rates and highly-rated customer service. It also offers special coverage options for military members who are stationed abroad. Although USAA is not part of the official J.D. Power rankings due to its membership requirements, it regularly outscores other insurance companies on customer service and claims satisfaction, again by a wide margin.
Who it’s best for
USAA membership is open to active-duty members of the military, veterans, and their families. If you’re eligible for USAA membership, they offer a range of financial services that includes banking and investments.
USAA St. Louis Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $120 | $48 |
| Annually | $1,446 | $573 |
| Difference from St. Louis average | -52% | -52% |
2. Progressive - Cheapest Minimum Coverage for Non-Military
4.7
Editor's Rating:
- Average Rate forMinimum Coverage$59 mo.
- Average Rate forFull Coverage$172 mo.
- Cheaper-than-average rates for St. Louis
- Wide range of discounts
- Rideshare insurance
- Mixed reviews for customer service
- Gap insurance won’t necessarily cover full amount owed
Why we chose it
Progressive consistently offers low auto insurance rates with a wide range of discounts and money-saving features like accident forgiveness, pet injury coverage, rideshare insurance, and its Progressive Snapshot telematics program. Progressive’s rates came in over 15 percent below average for minimum coverage auto insurance in St. Louis. Although its J.D. Power rankings for customer and claims satisfaction were just below average – as was its C rating from CRASH Network – Progressive’s performance was typical of national carriers. Its 1.35 score from NAIC was comparable to highly-rated USAA’s score of 1.31.
Who it’s best for
Drivers who need special coverage like rideshare or gap insurance may appreciate Progressive’s range of offerings. It has a variety of discounts as well, and was rated the best insurer for high-risk drivers in our national ratings of insurance companies.
Progressive St. Louis Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $238 | $83 |
| Annually | $2,855 | $997 |
| Difference from St. Louis average | -6% | -16% |
3. State Farm - Best Value
4.9
Editor's Rating:
- Average Rate forMinimum Coverage$54 mo.
- Average Rate forFull Coverage$169 mo.
- Local St. Louis agents
- Nationally-known insurer
- Good telematics discounts
- Must complete quotes by phone
- No accident forgiveness
Why we chose it
State Farm’s auto insurance rates are more than 20 percent below the St. Louis average for full coverage and nearly 10 percent below average for minimum liability, making it an affordable option across the board. State Farm ranked second in the J.D. Power 2025 U.S. Auto Insurance Study for the Central region, and above average in J.D. Power’s Claims Satisfaction Study. It offers a wide range of discounts, including significant savings when you bundle policies or participate in their telematics program.
Who it’s best for
If you want to work with a national insurer but also value personalized service from a local agent, State Farm may be worth a look. State Farm is also a great option if you have young drivers on your policy, as it offers a telematics program specifically for young drivers.
State Farm St. Louis Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $200 | $91 |
| Annually | $2,400 | $1,087 |
| Difference from St. Louis average | -21% | -9% |
4. GEICO - Cheapest Full Coverage for Non-Military
4.2
Editor's Rating:
- Average Rate forMinimum Coverage$46 mo.
- Average Rate forFull Coverage$156 mo.
- Lowest full coverage rates without membership requirements
- Great online and mobile experience
- Good rates for drivers with bad credit
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
GEICO offers the cheapest full coverage auto insurance rates in St. Louis for drivers who don’t qualify for USAA membership. That’s consistent with our nationwide findings, where GEICO’s average rates for full coverage were 28 percent below the national average. Although GEICO’s access to local agents is limited, its digital tools make it easy to get quotes and manage your policy online or by app.
Who it’s best for
GEICO is worth checking out if you want a cheap rate and are comfortable doing business online or by app. Also, in our national analysis, GEICO offered low rates for drivers with bad credit.
>>RELATED: Compare rates between GEICO vs. State Farm
GEICO St. Louis Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $193 | $92 |
| Annually | $2,319 | $1,101 |
| Difference from St. Louis average | -23% | -8% |
5. Shelter - Best for Customer Satisfaction
4.2
Editor's Rating:
- Ranked #1 in Central region on J.D. Power study
- Regional carrier based in Missouri
- Switch and save discount for new customers
- Limited states
- Agent-only
- Modest digital tools
Why we chose it
Although Shelter Insurance didn’t have the cheapest average rates for auto insurance in St. Louis, the company did score exceptionally well on customer service. Shelter has topped the J.D. Power Customer Satisfaction Study rankings for the Central region for four years in a row, with a 2025 rating of 673. Its B- rating from CRASH Network was the highest in our group, and its NAIC Complaint Index score of 0.38 was by far the lowest.
Who it’s best for
As its name suggests, Shelter is primarily a home insurance company. If you have a home policy with Shelter — or are in the market to get one — you may be eligible for multipolicy discounts of up to 20 percent. If you’re looking for basic car insurance and excellent customer service, consider getting a quote from Shelter.
Shelter St. Louis Pricing
| Shelter | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $256 | $138 |
| Annually | $3,067 | $1,650 |
| Difference from St. Louis average | +1% | +38% |
St. Louis Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Central1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| USAA | 719* | D+ | 741* | 1.31 |
| Progressive | 637 | C | 673 | 1.35 |
| State Farm | 664 | C- | 716 | 2.13 |
| GEICO | 641 | C- | 697 | 1.95 |
| Shelter | 673 | B- | Not rated | 0.38 |
| Average | 649 (out of 1,000) | C+ | 700 (out of 1,000) | 1.00 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA is not officially ranked in J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in St. Louis
With an average annual rate of $1,446, USAA has the cheapest full coverage car insurance in St. Louis. GEICO and State Farm have the next-cheapest rates at $2,319 per year and $2,400 per year, respectively.
| Company | Monthly St. Louis Average | Annual St. Louis Average |
|---|---|---|
| USAA | $120 | $1,446 |
| GEICO | $193 | $2,319 |
| State Farm | $200 | $2,400 |
| Travelers | $215 | $2,579 |
| Progressive | $238 | $2,855 |
| Shelter Insurance | $256 | $3,067 |
| American Family | $272 | $3,262 |
| Allstate | $275 | $3,300 |
| Nationwide | $283 | $3,400 |
| St. Louis average | $253 | $3,031 |
| Missouri average | $176 | $2,109 |
| U.S. average | $200 | $2,399 |
Cheapest Minimum Coverage Car Insurance in St. Louis
USAA also offers the cheapest minimum coverage car insurance in St. Louis, with an average annual premium of $573. While USAA came in significantly cheaper than its competitors, Progressive, State Farm, GEICO, and Allstate all offer below-average rates without membership requirements.
| Company | Monthly St. Louis Average | Annual St. Louis Average |
|---|---|---|
| USAA | $48 | $573 |
| Progressive | $83 | $997 |
| State Farm | $91 | $1,087 |
| GEICO | $92 | $1,101 |
| Allstate | $103 | $1,240 |
| Travelers | $125 | $1,503 |
| Shelter Insurance | $138 | $1,650 |
| American Family | $150 | $1,800 |
| Nationwide | $151 | $1,807 |
| St. Louis average | $99 | $1,194 |
| Missouri average | $65 | $779 |
| U.S. average | $53 | $635 |
How Many Car Accidents Happen in St. Louis?
According to the Missouri State Highway Patrol, a total of 13,552 crashes occurred in the city of St. Louis in 2023. Of these, 49 were fatalities, 3,646 involved personal injuries, and 9,857 involved property damage only. All told, 52 people were killed and 5,621 injured in St. Louis car accidents in 2023.5
Minimum Auto Insurance Requirements in Missouri
Missouri drivers are required to carry auto insurance policies with the following minimum coverage limits:
- $25,000 per person and $50,000 per accident for bodily injury
- $25,000 per accident for property damage
- $25,000 per person and $50,000 per accident for bodily injury caused by an uninsured motorist
Nonresidents driving in Missouri must have insurance that meets minimum insurance requirements in their state.6
Frequently Asked Questions
The average cost for auto insurance in St. Louis is $253 per month for full coverage and $99 per month for minimum liability coverage. However, USAA, GEICO, Progressive, and State Farm all had average rates that were below the St. Louis averages in our analysis. Also, your rates will vary depending on individual factors like your driving history, mileage, vehicle type, and age.
USAA has the cheapest car insurance in St. Louis, according to our analysis. Minimum liability coverage with USAA averages $48 per month in St. Louis; full coverage USAA auto insurance averages $120 per month. Drivers who don’t qualify for USAA membership (which is only open to veterans, members of the military, and their families) may find cheap auto insurance rates in St. Louis with GEICO, State Farm, and Progressive.
Car insurance rates have risen in St. Louis as they have in many parts of the country, in part because the cost of repairing and replacing cars continues to increase. In Missouri, severe weather may also be a factor, as claims have surged during recent hailstorms, driving up the costs of comprehensive coverage. Between 1980 and 2024, 120 confirmed weather events with losses exceeding $1 billion have affected Missouri.7
No, you cannot drive without insurance in Missouri. Missouri drivers are required to carry insurance that meets the state’s minimum liability requirements. If you get pulled over without proof of insurance in Missouri, you could get a ticket and face an assessment of four points on your driving record, an order of supervision to help ensure you maintain insurance coverage, or suspension of your driver’s license.8
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in St. Louis, Missouri, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $50,000 per accident
- Medical payments: $5,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $1,000 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Sources
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmMissouri Gov. (2025)
https://www.mshp.dps.missouri.gov/ibi_apps/WFServletInsurance Information. Missouri Department of Revenue. (2025).
https://dor.mo.gov/driver-license/insurance/#infoMissouri Summary. National Centers for Environmental Information. (2025).
https://www.ncei.noaa.gov/access/billions/state-summary/MOMissouri Driver Responsibilities and Penalties. Missouri Department of Revenue. (2025).
https://dor.mo.gov/driver-license/insurance/driver-penalties.html
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