- Average St. Louis car insurance cost is $2,788 per year, or around $232 per month.
- Auto insurance rates for a few popular models in St. Louis include the Ram Truck at $3,224 per year, Ford Escape at $2,542, and Chevrolet Equinox at $2,566.
- For cheap auto insurance in St. Louis, MO, crossover vehicles like the Subaru Crosstrek, Mazda CX-5, and Chevrolet Trailblazer have some of the cheapest rates.
- A few vehicles with the lowest cost car insurance in their segment include the Hyundai Ioniq 6 at $2,560 per year, Acura Integra at $2,480 per year, Acura RDX at $2,330 per year, and Subaru Crosstrek at $2,060 per year.
How much does car insurance cost in St. Louis?
The average cost to insure a vehicle in St. Louis is $2,788 per year, which is around $232 per month. St. Louis car insurance costs 38.7% more than the U.S. overall average rate of $1,883.
In the state of Missouri, the average car insurance cost is $2,132 per year, so the average cost in St. Louis is $656 more per year. When compared to other cities in Missouri, the cost of car insurance in St. Louis is about $838 per year more expensive than in Springfield, $652 per year more expensive than in Independence, and $862 per year more expensive than in Columbia.
The age of the rated driver is probably the number one factor that determines the price you pay for car insurance. The list below illustrates this point by breaking out average car insurance rates for driver ages from 16 to 60.
Car insurance cost in St. Louis for drivers age 16 to 60
- 16-year-old driver – $9,927 per year or $827 per month
- 17-year-old driver – $9,616 per year or $801 per month
- 18-year-old driver – $8,620 per year or $718 per month
- 19-year-old driver – $7,849 per year or $654 per month
- 20-year-old driver – $5,608 per year or $467 per month
- 30-year-old driver – $2,974 per year or $248 per month
- 40-year-old driver – $2,788 per year or $232 per month
- 50-year-old driver – $2,470 per year or $206 per month
- 60-year-old driver – $2,314 per year or $193 per month
The next chart shows a summary of car insurance rates in St. Louis for 2024 model year vehicles, averaged for a variety of driver ages, policy deductibles, and risk profiles.
In the chart above, the cost of auto insurance in St. Louis ranges from $2,318 per year for a 40-year-old driver who qualifies for a cheap discount rate to $6,410 per year for a 30-year-old driver with a poor driving record or too many at-fault accidents. When converted to a monthly rate, the average cost in the chart above ranges from $193 to $534 per month.
Auto insurance rates can have a very wide price range and can also be significantly different between companies. The likelihood of a wide range of rates emphasizes the need to get accurate car insurance quotes when searching online for the cheapest auto insurance policy.
Most popular vehicles in St. Louis, Missouri
The prior rates are averaged for all 2024 vehicle models, which is helpful for making general comparisons like between locations or by driver risk profile. Average car insurance rates are great for getting the answer to questions like “are auto insurance rates in St. Louis cheaper than in St Louis?” or “are auto insurance rates in Missouri cheaper than in California?”.
But for more comprehensive price comparisons, we should compare rates for the specific vehicle being insured. Each individual model has slightly different risk characteristics for determining how much it costs to insure it and this data makes it possible to do more detailed comparisons.
This next chart details average insurance cost for some of the more popular vehicles on the roads of St. Louis. Towards the end of this article, we’ll cover insurance cost for some of these models even more in-depth.
Which cars have cheap insurance in St. Louis?
From an overall standpoint, the vehicles with the lowest cost average auto insurance rates in St Louis, MO, tend to be crossover SUVs like the Kia Soul, Subaru Crosstrek, and Buick Envision.
Average car insurance prices for those vehicles cost $2,264 or less per year, or $189 per month, for full coverage car insurance.
Examples of other models that have low-cost insurance rates in our cost comparison are the Buick Envista, Honda CR-V, Ford Bronco Sport, and Subaru Outback.
The average cost is somewhat higher for those models than the compact SUVs at the top of the rankings, but they still have an average cost of $2,392 or less per year ($199 per month) in St Louis.
The table below details the 20 models with the cheapest car insurance in St. Louis, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $2,060 | $172 |
| 2 | Chevrolet Trailblazer | $2,096 | $175 |
| 3 | Kia Soul | $2,176 | $181 |
| 4 | Nissan Kicks | $2,194 | $183 |
| 5 | Honda Passport | $2,220 | $185 |
| 6 | Buick Envision | $2,232 | $186 |
| 7 | Toyota Corolla Cross | $2,246 | $187 |
| 8 | Hyundai Venue | $2,264 | $189 |
| 9 | Mazda CX-5 | $2,272 | $189 |
| 10 | Ford Bronco Sport | $2,286 | $191 |
| 11 | Volkswagen Tiguan | $2,306 | $192 |
| 12 | Acura RDX | $2,330 | $194 |
| 13 | Nissan Murano | $2,342 | $195 |
| 14 | Buick Encore | $2,370 | $198 |
| 15 | Subaru Outback | $2,374 | $198 |
| 16 | Honda CR-V | $2,378 | $198 |
| 17 | Buick Envista | $2,382 | $199 |
| 18 | Chevrolet Colorado | $2,386 | $199 |
| 19 | Volkswagen Taos | $2,386 | $199 |
| 20 | Kia Niro | $2,392 | $199 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all St Louis, MO Zip Codes. Updated February 23, 2024
A table of 20 of the cheapest vehicles to insure in St. Louis is great if you’re just wanting the lowest rates. A more efficient way to rank car insurance rates in an analytical manner is to sort them by the segment they belong to.
The section below details the average cost of auto insurance for each vehicle segment. The rates shown in the chart will give you a good idea of which automotive segments have the overall best rates. After the chart, the next six sections show the cheapest rates for individual models in the most popular segments.
St. Louis car insurance rates by vehicle segment
When shopping for a different vehicle, it’s important to know which categories of vehicles have more favorable auto insurance rates. For example, many people wonder if SUVs cost less to insure than minivans or if luxury cars or SUVs have more expensive car insurance than non-luxury models.
The chart below shows average auto insurance rates by segment in St. Louis. When comparing rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the cheapest rates, while sports cars and performance luxury models have the most expensive average insurance cost.
Auto insurance rates by segment are good enough for making an overall comparison, but rates vary significantly within each automotive segment displayed in the previous chart.
For example, in the small SUV segment, car insurance rates in St. Louis range from the Subaru Crosstrek at $2,060 per year for a full coverage policy to the Ford Mustang Mach-E at $3,258 per year, a difference of $1,198 within that segment. Also, in the large SUV segment, the cost of insurance ranges from the Chevrolet Tahoe costing $2,618 per year up to the Toyota Sequoia at $3,486 per year.
In these next sections, we eliminate much of the variability by looking at the cost of auto insurance in St. Louis for specific vehicles.
Cheapest cars to insure in St. Louis
The lowest-cost 2-door and 4-door sedans and hatchbacks to insure in St Louis are the Toyota GR Corolla at $2,422 per year, the Nissan Leaf at $2,440 per year, and the Honda Civic at $2,468 per year.
Not the cheapest, but still in the top 10, are models like the Chevrolet Malibu, Hyundai Ioniq 6, Toyota Prius, and Honda Accord, with an average cost of $2,702 per year or less.
From a cost per month standpoint, auto insurance rates in St Louis on this segment for a safe driver starts at around $202 per month, depending on the company and where you live.
When ranked by vehicle size, the most budget-friendly compact car to insure in St Louis is the Toyota GR Corolla at $2,422 per year, or $202 per month. For midsize models, the Hyundai Ioniq 6 is cheapest to insure at $2,560 per year, or $213 per month. And for large cars, the Chrysler 300 has the best rates at $2,644 per year, or $220 per month.
The next table ranks the cars with the lowest-cost average auto insurance rates in St Louis, starting with the Toyota GR Corolla at $202 per month and ending with the Mazda 3 at $240 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,422 | $202 |
| Nissan Leaf | Compact | $2,440 | $203 |
| Honda Civic | Compact | $2,468 | $206 |
| Nissan Sentra | Compact | $2,554 | $213 |
| Hyundai Ioniq 6 | Midsize | $2,560 | $213 |
| Subaru Impreza | Compact | $2,560 | $213 |
| Toyota Prius | Compact | $2,606 | $217 |
| Kia K5 | Midsize | $2,684 | $224 |
| Honda Accord | Midsize | $2,692 | $224 |
| Chevrolet Malibu | Midsize | $2,702 | $225 |
| Toyota Corolla | Compact | $2,714 | $226 |
| Kia Forte | Compact | $2,720 | $227 |
| Volkswagen Arteon | Midsize | $2,738 | $228 |
| Nissan Versa | Compact | $2,746 | $229 |
| Subaru Legacy | Midsize | $2,750 | $229 |
| Mitsubishi Mirage G4 | Compact | $2,812 | $234 |
| Volkswagen Jetta | Compact | $2,818 | $235 |
| Toyota Crown | Midsize | $2,822 | $235 |
| Hyundai Sonata | Midsize | $2,826 | $236 |
| Mazda 3 | Compact | $2,880 | $240 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all St Louis, MO Zip Codes. Updated February 23, 2024
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Looking for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free St. Louis car insurance quotes from top car insurance companies in Missouri.
Cheapest SUV insurance rates in St. Louis
The Subaru Crosstrek comes in at #1 as the lowest-cost SUV to insure in St Louis, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $2,060 per year to insure for full coverage.
Also ranking well are models like the Hyundai Venue, Mazda CX-5, Ford Bronco Sport, and Buick Envision, with average cost of $2,286 per year or less.
Some additional vehicles worth mentioning include the Honda CR-V, Kia Niro, Volkswagen Tiguan, Honda HR-V, and Volkswagen Taos, which cost between $2,286 and $2,424 to insure per year in St Louis.
On a monthly basis, full-coverage auto insurance in St Louis on this segment for the average driver can cost as low as $172 per month, depending on where you live and the company you use.
The table below ranks the SUVs with the most affordable car insurance in St Louis.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $2,060 | $172 |
| Chevrolet Trailblazer | Compact | $2,096 | $175 |
| Kia Soul | Compact | $2,176 | $181 |
| Nissan Kicks | Compact | $2,194 | $183 |
| Honda Passport | Midsize | $2,220 | $185 |
| Buick Envision | Compact | $2,232 | $186 |
| Toyota Corolla Cross | Compact | $2,246 | $187 |
| Hyundai Venue | Compact | $2,264 | $189 |
| Mazda CX-5 | Compact | $2,272 | $189 |
| Ford Bronco Sport | Compact | $2,286 | $191 |
| Volkswagen Tiguan | Compact | $2,306 | $192 |
| Nissan Murano | Midsize | $2,342 | $195 |
| Buick Encore | Compact | $2,370 | $198 |
| Subaru Outback | Midsize | $2,374 | $198 |
| Honda CR-V | Compact | $2,378 | $198 |
| Buick Envista | Midsize | $2,382 | $199 |
| Volkswagen Taos | Compact | $2,386 | $199 |
| Kia Niro | Compact | $2,392 | $199 |
| Honda HR-V | Compact | $2,424 | $202 |
| Subaru Ascent | Midsize | $2,424 | $202 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all St Louis, MO Zip Codes. Updated February 23, 2024
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Looking for rates for a different SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free St. Louis car insurance quotes from the best car insurance companies in Missouri.
Cheapest pickup trucks to insure in St. Louis
The top-ranked vehicle in St Louis for cheapest average insurance rates in the pickup segment is the Chevrolet Colorado, costing an average of $2,386 per year. Second place is the Nissan Titan at $2,610 per year, in third place is the Nissan Frontier, costing an average of $2,634 per year, and the fourth cheapest is the Ford Ranger, costing an average of $2,664 per year.
Not the cheapest in the list, but still ranking well, are trucks like the GMC Canyon, Hyundai Santa Cruz, Toyota Tacoma, and Honda Ridgeline, with average cost of $2,866 per year or less.
As a cost per month, full-coverage insurance in this segment for a good driver starts at around $199 per month, depending on your company and location. The next table ranks the twenty pickups with the most affordable average auto insurance rates in St Louis, starting with the Chevrolet Colorado at $2,386 per year ($199 per month) and ending with the Ram Truck at $3,224 per year ($269 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,386 | $199 |
| Nissan Titan | Full-size | $2,610 | $218 |
| Nissan Frontier | Midsize | $2,634 | $220 |
| Ford Ranger | Midsize | $2,664 | $222 |
| Ford Maverick | Midsize | $2,702 | $225 |
| Honda Ridgeline | Midsize | $2,764 | $230 |
| Hyundai Santa Cruz | Midsize | $2,812 | $234 |
| Toyota Tacoma | Midsize | $2,822 | $235 |
| GMC Sierra 2500 HD | Heavy Duty | $2,836 | $236 |
| GMC Canyon | Midsize | $2,866 | $239 |
| Jeep Gladiator | Midsize | $2,936 | $245 |
| GMC Sierra 3500 | Heavy Duty | $2,954 | $246 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,982 | $249 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $3,058 | $255 |
| GMC Sierra | Full-size | $3,078 | $257 |
| Nissan Titan XD | Heavy Duty | $3,080 | $257 |
| Chevrolet Silverado | Full-size | $3,082 | $257 |
| Ford F150 | Full-size | $3,120 | $260 |
| GMC Hummer EV Pickup | Full-size | $3,198 | $267 |
| Ram Truck | Full-size | $3,224 | $269 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all St Louis, MO Zip Codes. Updated February 23, 2024
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Don’t see your pickup in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Missouri.
Cheapest sports cars to insure in St. Louis, MO
Ranking in the top five for the most affordable St Louis car insurance rates in the performance and sports car segment are the Toyota GR86, Mazda MX-5 Miata, Ford Mustang, Subaru WRX, and BMW Z4. Insurance rates for these vehicles average $261 or less per month.
Not the cheapest, but still very affordable, are models like the Nissan Z, Subaru BRZ, Toyota GR Supra, and Lexus RC F, with average cost of $3,330 per year or less.
Ranked in the lower half of the top 20, cars like the Jaguar F-Type, Chevrolet Corvette, Lexus LC 500, Porsche Taycan, Porsche 718, and Porsche 911 cost between $3,330 and $4,720 per year for full-coverage insurance.
Auto insurance in this segment for an average middle-age driver starts at around $215 per month, depending on where you live and the company you use. The rate comparison table below ranks the twenty sports cars with the lowest-cost average auto insurance rates in St Louis.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,580 | $215 |
| Toyota GR86 | Sports Car | $2,940 | $245 |
| Ford Mustang | Sports Car | $3,066 | $256 |
| BMW Z4 | Sports Car | $3,078 | $257 |
| Subaru WRX | Sports Car | $3,126 | $261 |
| Toyota GR Supra | Sports Car | $3,130 | $261 |
| BMW M2 | Sports Car | $3,222 | $269 |
| Nissan Z | Sports Car | $3,228 | $269 |
| Lexus RC F | Sports Car | $3,296 | $275 |
| Subaru BRZ | Sports Car | $3,330 | $278 |
| BMW M3 | Sports Car | $3,520 | $293 |
| Porsche 718 | Sports Car | $3,590 | $299 |
| Chevrolet Camaro | Sports Car | $3,622 | $302 |
| Chevrolet Corvette | Sports Car | $3,860 | $322 |
| Porsche 911 | Sports Car | $3,992 | $333 |
| BMW M4 | Sports Car | $4,160 | $347 |
| Lexus LC 500 | Sports Car | $4,180 | $348 |
| Jaguar F-Type | Sports Car | $4,396 | $366 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,614 | $385 |
| Porsche Taycan | Sports Car | $4,720 | $393 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all St Louis, MO Zip Codes. Updated February 22, 2024
Don’t see your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Missouri.
Cheapest luxury car insurance rates in St. Louis
The lowest-cost luxury car models to insure in St Louis are the Acura Integra at $2,480 per year, the BMW 330i at $2,838 per year, and the Mercedes-Benz CLA250 at $2,870 per year.
Other models that rank well include the Genesis G70, Mercedes-Benz AMG CLA35, Lexus ES 350, and Lexus RC 300, with average insurance cost of $2,932 per year or less.
Additional 2024 luxury models that made the list include the Lexus IS 350, Lexus ES 250, Audi S3, and Jaguar XF, which average between $2,932 and $3,128 per year to insure in St Louis.
From a monthly standpoint, auto insurance rates in St Louis on this segment for the average driver starts at an average of $207 per month, depending on your location. The comparison table below ranks the luxury cars with the most affordable average insurance rates in St Louis.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,480 | $207 |
| BMW 330i | Compact | $2,838 | $237 |
| Mercedes-Benz CLA250 | Midsize | $2,870 | $239 |
| Lexus IS 300 | Midsize | $2,872 | $239 |
| Acura TLX | Compact | $2,886 | $241 |
| Cadillac CT4 | Compact | $2,912 | $243 |
| Lexus ES 350 | Midsize | $2,912 | $243 |
| Genesis G70 | Compact | $2,920 | $243 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,926 | $244 |
| Lexus RC 300 | Midsize | $2,932 | $244 |
| Lexus IS 350 | Compact | $2,934 | $245 |
| Jaguar XF | Midsize | $2,950 | $246 |
| Cadillac CT5 | Midsize | $3,002 | $250 |
| Lexus ES 250 | Midsize | $3,016 | $251 |
| BMW 330e | Compact | $3,026 | $252 |
| Lexus RC 350 | Compact | $3,026 | $252 |
| BMW 228i | Compact | $3,030 | $253 |
| BMW 230i | Compact | $3,054 | $255 |
| Lexus ES 300h | Midsize | $3,060 | $255 |
| Audi S3 | Compact | $3,128 | $261 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all St Louis, MO Zip Codes. Updated February 23, 2024
See our guide for luxury car insurance to view any vehicles not shown in the table.
Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap St. Louis car insurance quotes from top-rated car insurance companies in Missouri.
Cheapest luxury SUV insurance rates in St. Louis, Missouri
The three highest ranking luxury SUVs with the cheapest auto insurance rates in St Louis are the Acura RDX at $2,330 per year, the Lexus NX 250 at $2,466 per year, and the Cadillac XT4 at $2,518 per year.
Not the cheapest, but still in the top 10, are SUVs like the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus UX 250h, and Lexus NX 350h, with an average cost of $2,688 per year or less.
Additional 2024 luxury models worth mentioning include the Lexus RX 350, Cadillac XT6, Land Rover Evoque, and Infiniti QX50, which average between $2,688 and $2,798 per year for full-coverage insurance in St Louis.
Full-coverage car insurance in St Louis for this segment will start around $194 per month, depending on the company.
When vehicle size is considered, the cheapest small luxury SUV to insure in St Louis is the Acura RDX at $2,330 per year, or $194 per month. For midsize luxury SUV models, the Jaguar E-Pace is the cheapest model to insure at $2,606 per year, or $217 per month. And for full-size luxury models, the Infiniti QX80 has the most affordable rates at $3,128 per year, or $261 per month.
The comparison table below ranks the SUVs with the most affordable car insurance in St Louis, starting with the Acura RDX at $194 per month and ending with the Lexus NX 350 at $233 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,330 | $194 |
| Lexus NX 250 | Compact | $2,466 | $206 |
| Cadillac XT4 | Compact | $2,518 | $210 |
| Jaguar E-Pace | Midsize | $2,606 | $217 |
| Lexus NX 350h | Compact | $2,630 | $219 |
| Cadillac XT5 | Midsize | $2,632 | $219 |
| Lincoln Corsair | Compact | $2,664 | $222 |
| Mercedes-Benz GLB 250 | Compact | $2,668 | $222 |
| Lexus UX 250h | Compact | $2,672 | $223 |
| Lexus NX 450h | Compact | $2,688 | $224 |
| Infiniti QX50 | Midsize | $2,708 | $226 |
| Mercedes-Benz GLA250 | Compact | $2,712 | $226 |
| Cadillac XT6 | Midsize | $2,728 | $227 |
| Mercedes-Benz GLA35 AMG | Compact | $2,728 | $227 |
| Infiniti QX60 | Midsize | $2,742 | $229 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,748 | $229 |
| Land Rover Evoque | Compact | $2,784 | $232 |
| Acura MDX | Midsize | $2,786 | $232 |
| Lexus RX 350 | Midsize | $2,788 | $232 |
| Lexus NX 350 | Compact | $2,798 | $233 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all St Louis, MO Zip Codes. Updated February 23, 2024
See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.
Don’t see rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Missouri.
How to save on auto insurance in St. Louis
St. Louis drivers should always be looking to reduce the monthly expense for car insurance So take a minute to review the tips and ideas in this next list and it’s very likely you can save a little dough on your next car insurance policy.
- Shop around for better prices. Taking the time to get free car insurance quotes could save you a significant amount. Rates change more often that you might think and you do not have to wait for your renewal to change companies.
- Compare car insurance rates before buying a car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance rates, and car insurance companies charge widely varying rates. Get plenty of quotes to compare the cost of insurance before you buy a new vehicle in order to prevent price shock when you receive your first bill.
- Citations and violations increase insurance rates. In order to have the cheapest auto insurance in St. Louis, it pays to drive within the law. Just a couple of minor driving infractions could result in raising insurance rates by as much as $742 per year. Serious violations like driving on a suspended license could raise rates by an additional $2,588 or more.
- Remove unneeded coverage on older vehicles. Removing comprehensive and collision coverage from vehicles that are older can reduce the cost of auto insurance considerably.
- Raise your credit for better rates. Drivers who have credit scores over 800 could save up to $438 per year over a rating of 670-739. Conversely, a poor credit score could cost up to $507 more per year. Not all states use credit score as a rating factor, so check with your agent or company.