Car Insurance in St. Louis

See what type of coverage you need for car insurance in St. Louis with this comprehensive guide.
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Why Do You Need Good Car Insurance in St. Louis?

Basic car insurance is required by law in St. Louis, but there are good reasons to consider deeper coverage. This city of 2.8 million people has roughly the same number of vehicles. Almost 600,000 families own two cars, and 300,000 families own three cars. With so much traffic, car accidents are practically a fact of life, and you need to be prepared.

Frequent Commutes

If you're like over 80% of workers in St. Louis, you commute by car. Less than 2% of residents choose public transportation to get to work. Having your own vehicle gives you greater flexibility and speeds up your travel time significantly. Commuting in St. Louis is shorter than the national average at just 25 minutes, though about 15% of workers have to drive 45 minutes or more each way.

Countless College Students

Business professionals aren't the only ones who drive local highways every day. There are about 290,000 college students enrolled in St. Louis universities, such as Webster University and Washington University-St. Louis.

Some students live in the city and others commute from the surrounding areas. If you have any college students in your family, you need to keep their commuting needs in mind when selecting car insurance. VIU by HUB can help you customize your coverage for every driver in your family.

Extensive Highway Networks

As a major regional hub, St. Louis is crisscrossed by multiple roadways, including:

  • Interstate 70
  • Interstate 55
  • Interstate 64
  • U.S. Highway 40
  • U.S. Highway 61
  • U.S. Highway 67

Many of these transportation arteries have average daily traffic counts of more than 100,000 automobiles. Some sections of interstate see 150,000 vehicles or more.

How Many Car Accidents Happen in St. Louis?

Anywhere there is heavy traffic, car accidents are practically inevitable. St. Louis is no exception. Even if you're the most careful driver in the world, other vehicles may still crash into you unexpectedly. Consider a few statistics for the St. Louis metro area:

  • On average, 70 fatal accidents happen every year.
  • St. Louis City had over 5,000 car accident injuries in 2022.
  • Nearly 9,000 got hurt in crashes in St. Louis County.

Why do so many accidents cause serious, life-threatening injuries? High-speed crashes (like on interstates) tend to be more dangerous to passengers than "fender benders" on city streets. Your family needs good car insurance in St. Louis that offers coverage for medical care after an accident.

Common Causes of Local Car Accidents

Some accidents are impossible to predict, but others have clearer causes. In St. Louis:

  • Between 2017 and 2021, there were more than 380 fatalities because of distracted driving.
  • Over 2,500 crashes happened because of aggressive drivers and "road rage."
  • The city had more than 1,000 deadly accidents related to drugs or alcohol.

These circumstances are completely out of your control. Fortunately, you can invest in good car insurance coverage and protect yourself if worse comes to worst.

How Much Does Car Insurance Cost in St. Louis?

On average, full coverage car insurance in St. Louis costs over $2,250 a year. This is considerably more expensive than other areas of the U.S. and slightly more expensive than the Missouri average. Metro areas often have higher insurance rates because your risk of getting into an accident is higher. VIU by HUB's comparison tools may save you money by letting you pick and choose specific coverage options for medical expenses, auto theft, weather damage, collisions and more.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Data USA

Missouri Coalition for Roadway Safety


MO Department of Transportation

U.S. News

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