Insurance Costs in St. Louis, MO
Auto insurance in St. Louis averages $2,224 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in St. Louis, MO: What You Need to Know
St. Louis residents pay an average of $2,224 per year for full coverage auto insurance, which is 30.0% above the Missouri state average and 32.9% above the national average.
With a population of 293,310, St. Louis is a mid-size city in Missouri. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $2,224 | $185 |
| Standard Coverage (50/100/50) | $1,824 | $152 |
| State Minimum (25/50/25) | $934 | $78 |
Homeowners Insurance in St. Louis, MO
The average cost of homeowners insurance in St. Louis is $2,359 per year ($197/month), which is 29.6% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in St. Louis, MO
Renters insurance in St. Louis averages $204 per year ($17/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Missouri Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Kansas City | $2,019/yr | $2,402/yr |
| Springfield | $1,625/yr | $1,922/yr |
| Columbia | $1,540/yr | $1,856/yr |
| Independence | $1,797/yr | $1,922/yr |
| Lee's Summit | $1,574/yr | $2,075/yr |
| O'Fallon | $1,506/yr | $1,966/yr |
| St. Joseph | $1,745/yr | $1,791/yr |
| St. Charles | $1,574/yr | $2,009/yr |
How to Save on Insurance in St. Louis
- Shop around. Get quotes from at least 3-5 different insurers. Rates in St. Louis can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in St. Louis, MO?
The average cost of car insurance in St. Louis, MO is $2,224 per year for full coverage, or about $185 per month. Minimum coverage costs around $934 per year.
Is car insurance expensive in St. Louis?
Yes, car insurance in St. Louis is above both the state and national averages.
How much is home insurance in St. Louis?
Homeowners insurance in St. Louis costs an average of $2,359 per year. Your actual cost depends on your home's value, age, construction type, and specific location.