The large population of the St. Louis metropolitan area and suburbs combined create the 18th largest metropolitan area in the United States today. With almost 3 million residents in this area, it also forms the largest region in the entire state of Missouri.
Driving in this heavily populated area requires maintaining the right auto insurance coverage to ensure that you are fully protected should an accident occur. Simply enter your zip code in the box above and start the process of finding the right St. Louis car insurance policy to provide the insurance protection you need.
Driving in large city areas like St. Louis can be challenging if you want to safely arrive at your destination without encountering or being involved in an auto accident on the city’s busy roads. Besides practicing safe driving habits, one of the main resources to fully protect drivers from the financial liabilities resulting from a car accident is having the appropriate amount of car insurance.
Obtain auto insurance in St. Louis quickly and easily by submitting your zip code in the provided form above. You’ll receive free car insurance quotes online with the option to apply for coverage instantly.
Car Insurance Agents In St. Louis
Personal insurance agents make it easy to find car insurance in St. Louis. The city is home to many professional insurance agents able to tailor auto insurance programs to suit the needs and budget of area citizens. The following well known insurance companies are some of the largest and highly rated in the United States today. The provided links lead to agents with auto insurance expertise in the local community:
Allstate Insurance offers 43 agents in the St. Louis metropolitan area to assist consumers with their auto insurance needs.
Fifty Farmers Insurance agents serve Saint Louis and the surrounding suburbs of Jennings, Olivette, Crestwood, Overland, Creve Coeur, Ballwin, Florissant and Hazelwood.
Geico Insurance is well known for its popular television and radio advertising so many people visit the company’s website or call them directly on their customer service line to obtain St. Louis auto insurance quotes and coverage. Geico does offer two insurance agents in the St. Louis area. They can provide personalized, local assistance to residents to help them choose the best policy for their needs.
The city of St. Louis is home to 6 Progressive Insurance agencies that provide St. Louis auto insurance quotes, coverage and policy servicing to the local community.
With 48 State Farm insurance agents who offer auto insurance in St. Louis, area residents can easily find an agent close to home to assist with obtaining quotes and purchasing the right amount and type of coverage. Three State Farm agents also speak Spanish for those needing service in their own language.
Missouri Department of Insurance Agent Lookup
The Missouri Department of Insurance provides information on licensed agents and agencies in the state. This informational resource allows consumers to make sure that the agent or agency they are dealing with is properly licensed to sell insurance in Missouri. There is also an enforcement actions section where you can check the discipline records for agents or agencies to make sure they have not violated any insurance laws in Missouri.
If your agency isn’t listed on our resource list, let us know using our contact form. Presently, we only accept individual agent listings through our paid feature option.
St. Louis Car Insurance Rates
Studies by CarInsurance.com found that Missouri auto insurance rates are 21 percent lower than the national average of $1677.92 per year. The average yearly rate of $1592.77 for auto insurance in St. Louis is slightly higher than the state’s average rate but still 5 percent lower than the national average. Because insurance rates do change from year to year, it is important for residents to review their car insurance coverage each year to make sure that they are still receiving the best rates possible on their vehicles.
Driving in St. Louis
While Missouri is known for being called the Show Me State, St. Louis has its own claims to fame as well. The city is home to the famous Aneheuser Busch Clydesdales and the equally well known Anheuser Busch Brewing Plant. When driving through the city, it’s also hard to miss the towering St. Louis Gateway Arch. This 630 feet monument is the tallest of its kind in the entire United States. And of course with almost 3 million people living in the area, the traffic is something both residents and visitors must learn to safely navigate. With the risk of traffic accidents high in large populated areas such as St. Louis, protecting your vehicle with Missouri car insurance becomes even more important.
According to the Inrix.com National Traffic Scorecard, the St. Louis metropolitan area is ranked as the 25th most congested metros out of 100 other U.S. cities. Considering that the Allstate 2011 Best Drivers Report ranked St. Louis 100 out of 200 cities for car collision frequency, there is still definitely room for growth in safe driving practices by drivers in the city.
In fact the National Highway Transportation Safety Administration reports that out of 114 counties in the state, St. Louis County ranks 2nd for the frequency of fatalities caused by auto accidents – the total number of deaths in 2010 was 45. The rate of car related fatalities has decreased 20 percent in the last five years (2006-2010), which would indicate a move to safer driving conditions in the metro area. Of the 45 auto related deaths in 2010, it is also important to note that 30 of them involved an alcohol or drug impaired driver.
The Missouri Department of Transportation provides a smart travel guide online in real time to allow St. Louis drivers to follow current traffic conditions, road closures and vehicle accidents to make planning for driving during periods of congestion easier. Find traffic reports for St. Louis by visiting the Missouri DOT’s website.
Missouri Auto Insurance Laws
The state of Missouri requires that all drivers carry minimum mandatory amounts of auto insurance for bodily injury, property damage and uninsured motorist. Without appropriate coverage and the ability to provide proof of Missouri auto insurance, drivers can face strict penalties such as license suspension, 4 driving record points and state ordered supervision of coverage. Learn more by visiting our Missouri car insurance minimum coverage requirements page.
St. Louis Car Insurance Quotes
Professional insurance agents have the expertise to review existing policies and make recommendations about how to fully protect yourself and vehicle should you injure someone or cause damage to their vehicle. Get started today by entering your zip code in the provided box. You’ll receive instant auto insurance for St. Louis quotes so you can compare and find the best policy for your needs.