🚗 Car insurance cost in St. Louis, MO (2026)
Estimated average: $2,236 per year — +4% vs. the U.S. average of $2,150.
$2,236
Est. car insurance in St. Louis
per year
$2,150
Missouri average
$2,150
U.S. average
281,754
Population
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St. Louis car insurance estimator
Estimated$3,913/year
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St. Louis car insurance FAQ
How much is car insurance in St. Louis, MO?
The estimated average is $2,236 per year — above the state average (+4% vs. the Missouri average of $2,150, and +4% vs. the U.S. average).
Is car insurance more expensive in St. Louis than elsewhere in Missouri?
St. Louis has about 281,754 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in St. Louis?
Compare at least three quotes from insurers active in St. Louis, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.