St. Louis Car Insurance

(Where the best coverage and price can be found)

St Louis Missouri car insurance

The city of St. Louis, MO, is home to monuments and early settler history. Known as being the gateway to the West, this town has made a name for itself.

If you drive these big city streets, you'll want adequate coverage. A local independent insurance agent has options on pricing and limits. Get connected with an agent on to find the insurance that your car needs.

Optional Auto Insurance Coverage in St. Louis, MO

Your car insurance policy will have optional coverage that you can choose. This coverage may or may not apply depending on how you want your policy to respond. Let's look at St. Louis's auto insurance options:

  • Gap coverage: This will pay for the difference between your auto loan and your car's value.
  • Tow coverage: This will pay for a tow of a covered auto. 
  • Rental car coverage: This will provide reimbursement for a rental car when your covered auto is damaged. 
  • Comprehensive coverage: This will pay for property damage to your vehicle that is hit by an unavoidable object.
  • Collision coverage: This pays for property damage to your car in the event of a collision.
  • Medical payments coverage: This will pay for smaller medical expenses when you are injured and at fault.

Since your auto policy is customized to you and your specific needs, you'll want to choose wisely. Go over various coverage options with your local agent to have the car insurance you need.

Do You Need Uninsured Motorist Insurance in St. Louis, MO?

Uninsured drivers are everywhere, and it's when you're not at fault that you have the most risk. There is a coverage that will protect you and your loved ones known as uninsured/underinsured motorist or UM/UIM.

The percentage of uninsured drivers:

  • National average: 13.0%
  • Missouri average: 14.0%

Missouri is a bit higher than the national average, and part of those uninsured drivers live in St. Louis. Since St. Louis is a large city consisting of 308,626 residents, the chance for claims is higher. In Missouri, you are required to carry at least the minimum limits of UM/UIM insurance. Your local independent agent can go over auto coverage with you, so you're protected. 

Car Insurance Required in St. Louis, MO

Missouri and every city within the state have a minimum limit of liability they mandate to drive. Let's take a look at what St. Louis, MO, requires for coverage:

  • A minimum liability of $25,000 per person/$50,000 per accident/ $10,000 property damage.  

In the US, the average vehicle sales price is $36,082. If you have the state minimum limits of liability, your policy won't have enough coverage. If you are found at fault without adequate coverage, you'll be responsible for the rest. Discuss how much auto liability your policy needs with your independent agent. 


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Theft Rates in St. Louis, MO

When your vehicle gets broken into, you want to be sure you have coverage for damaged or stolen items. Comprehensive insurance will provide a limit, less the deductible, for your belongings. Let's take a peek at the theft rates per 100,000 people:

  • National average: 228.9
  • Missouri average: 323.4
  • St. Louis average: 4,045

With a larger population, St. Louis, MO, has quite the theft rate. The law of large numbers plays a role here, and your insurance rates may be affected. To know how the local crime will impact your premiums, connect with your agent to get quotes.

Car Insurance Costs in St. Louis, MO

Auto insurance premiums have increased over the last decade drastically. Due to the number of accidents and city growth, carriers are having to charge accordingly. Some rating factors the insurance companies use below:

  • Crime rates 
  • Natural disasters
  • The coverages you choose 
  • Your claims history
  • Your insurance score
  • Policy discounts that may apply 

Car insurance premium averages:

  • National average: $2,305
  • Missouri average: $3,111

Your claims history, insurance score, and coverage selection are all in your control. If you have clean loss history and qualify for policy discounts, your rates can be positively impacted. Discuss your policy's coverage with your St. Louis independent agent.

Does Your Auto Policy Cover Livery Services in St. Louis, MO?

If you drive for Uber, Lyft, Amazon, or another livery-for-hire service, your personal policy may not respond. The majority of auto policies will exclude coverage for any business-related activities, especially ones that transport people or things. Here are some questions to ask your independent agent on livery or rideshare services:

  • Does my current auto policy provide coverage when transporting people or parcels?
  • Does my current auto policy provide coverage when I am off the clock?
  • Do I need a separate business auto policy?

It's likely your independent agent will recommend a separate business auto policy to have proper coverage. Discuss options for your business with your agent today.

Connect with a St. Louis, MO, Independent Agent

To get top-notch coverage and rates, find a local independent insurance agent. They have access to multiple carriers, finding you the best products in town.

An independent agent can compare policies and pricing, so you don't have to. Connect with an agent on and get started. 

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