St. Louis Auto Insurance Guide
Real rates, coverage trends & carrier insights from first-party quotes collected by A Plus Insurance in 2026. No national averages — only our actual client data.
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A Plus Insurance is a licensed independent brokerage serving Colorado. Every rate on this page comes from real people we quoted and sold coverage to — not modeled estimates or public filings. We compare 10+ carriers to find the best fit for your driver profile.
A Plus Insurance 2026 Data at a Glance
Average monthly auto insurance rate by state
- Pricing ranges from $127.81 (MO) to $127.81 (MO) … a spread of $0.00.
- Based on real auto insurance quotes grouped into 1 company results, the average across this view is $127.81. The spread is about 0% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors … use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | 20260312-0949-1494 | 2026-03-12 | MO | KANSAS CITY | 64133 | 2000 | BUICK | LESABRE LIMITED | 37 | male | single | liability_only | Dairyland Auto | 137.75 | 0 | 0 | 0 |
| 1765 | 20260311-0950-0846 | 2026-03-11 | MO | Mexico | 65265 | 45 | male | single | unknown | Progressive | 31.34 | 0 | 0 | 0 | |||
| 1666 | 20260305-1020-4153 | 2026-03-05 | MO | Bolivar | 65613 | 2007 | DODGE | GRAND CARAVAN SXT | 54 | female | single | liability_only | Progressive POP | 54.32 | 0 | 0 | 0 |
| 1665 | 20260224-111733-2997 | 2026-02-24 | MO | AMSTERDAM | 64723 | 2018 | CHEVROLET | SILVERADO C1500 LT | 41 | male | single | full_coverage | Progressive | 131.68 | 0 | 0 | 0 |
| 1664 | 20260220-111346-7597 | 2026-02-20 | MO | SIKESTON | 63801 | 2021 | CHEVROLET | EQUINOX | 32 | female | single | full_coverage | Dairyland Auto | 382.95 | 0 | 0 | 0 |
| 1430 | 20251201-112657-5184 | 2025-12-01 | MO | KANSAS CITY | 64151 | 2007 | TOYOTA | FJ CRUISER | 65 | male | single | liability_only | Progressive | 28.84 | 0 | 0 | 0 |
St. Louis County surrounds (but does not include) St. Louis city, encompassing dozens of suburbs and municipalities west of the city limits. The county includes communities like Clayton, Chesterfield, Ballwin, and Webster Groves. Missouri requires minimum liability of 25/50/25 plus uninsured motorist coverage at the same limits. For a broader look at rates across Missouri, see our Missouri car insurance guide.
Related Pages
Coverage Type Breakdown – A Plus Insurance 2026 Dataset
From our quotes across all markets. Some states in our dataset do not offer broad form insurance — availability varies by state.
| Coverage Type | Quote Count | % of Quotes | Avg Monthly |
|---|---|---|---|
| Auto-Liability | 221 | 41.5% | $126 |
| Auto-Full | 173 | 32.5% | $254 |
| Auto-Broad Form | 52 | 9.8% | $98 |
| Renters | 29 | 5.5% | $17 |
| Non-Owners | 25 | 4.7% | $93 |
| Motorcycle | 14 | 2.6% | $42 |
| HomeOwners | 6 | 1.1% | $209 |
| Other | 12 | 2.3% | $170 |
Liability only vs full coverage by company
Across these carriers, liability only averages $89.66 per month, while full coverage averages $257.32. The largest gap in this view is $245.20 for Dairyland.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | 20260312-0949-1494 | 2026-03-12 | MO | KANSAS CITY | 64133 | 2000 | BUICK | LESABRE LIMITED | 37 | male | single | liability_only | Dairyland Auto | 137.75 | 0 | 0 | 0 |
| 1765 | 20260311-0950-0846 | 2026-03-11 | MO | Mexico | 65265 | 45 | male | single | unknown | Progressive | 31.34 | 0 | 0 | 0 | |||
| 1666 | 20260305-1020-4153 | 2026-03-05 | MO | Bolivar | 65613 | 2007 | DODGE | GRAND CARAVAN SXT | 54 | female | single | liability_only | Progressive POP | 54.32 | 0 | 0 | 0 |
| 1665 | 20260224-111733-2997 | 2026-02-24 | MO | AMSTERDAM | 64723 | 2018 | CHEVROLET | SILVERADO C1500 LT | 41 | male | single | full_coverage | Progressive | 131.68 | 0 | 0 | 0 |
| 1664 | 20260220-111346-7597 | 2026-02-20 | MO | SIKESTON | 63801 | 2021 | CHEVROLET | EQUINOX | 32 | female | single | full_coverage | Dairyland Auto | 382.95 | 0 | 0 | 0 |
| 1430 | 20251201-112657-5184 | 2025-12-01 | MO | KANSAS CITY | 64151 | 2007 | TOYOTA | FJ CRUISER | 65 | male | single | liability_only | Progressive | 28.84 | 0 | 0 | 0 |
Insurance rates vary based on your ZIP code, driving history, vehicle, and coverage selection. A Plus Insurance shops multiple carriers simultaneously to find the best rate for your profile.
Premium Distribution – 2026 Dataset
This histogram uses auto-related quotes (liability, full, broad form, non-owner, motorcycle) across all A Plus Insurance markets. Most premiums cluster under $200/mo, with a meaningful tail of higher-premium full coverage and non-standard risk policies.
Drivers with prior violations, lapses, or accidents may need carriers that specialize in non-standard underwriting. For SR-22 filing requirements in Missouri, see our SR-22 insurance page.
Average Rates by Carrier – 2026 Dataset
Carrier averages reflect our full 2026 auto-related sample across all markets. Coverage mix and driver profiles vary by carrier — use this as context, not a direct comparison. Your personalized rate will differ.
| Company | Quote Count | Avg Monthly Premium |
|---|---|---|
| Progressive | 260 | $163 |
| Nat’l General | 53 | $148 |
| Bristol West | 52 | $181 |
| Mendota | 43 | $158 |
| Dairyland | 25 | $140 |
| Geico | 25 | $187 |
| The General | 18 | $117 |
| Gainsco | 4 | $410 |
| Assurance | 3 | $285 |
| Falcon | 1 | $157 |
Cheapest auto insurance companies
- Pricing ranges from $61.54 (Progressive) to $260.35 (Dairyland Auto) … a spread of $198.81.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $160.95. The spread is about 323% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors … use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1766 | 20260312-0949-1494 | 2026-03-12 | MO | KANSAS CITY | 64133 | 2000 | BUICK | LESABRE LIMITED | 37 | male | single | liability_only | Dairyland Auto | 137.75 | 0 | 0 | 0 |
| 1765 | 20260311-0950-0846 | 2026-03-11 | MO | Mexico | 65265 | 45 | male | single | unknown | Progressive | 31.34 | 0 | 0 | 0 | |||
| 1666 | 20260305-1020-4153 | 2026-03-05 | MO | Bolivar | 65613 | 2007 | DODGE | GRAND CARAVAN SXT | 54 | female | single | liability_only | Progressive POP | 54.32 | 0 | 0 | 0 |
| 1665 | 20260224-111733-2997 | 2026-02-24 | MO | AMSTERDAM | 64723 | 2018 | CHEVROLET | SILVERADO C1500 LT | 41 | male | single | full_coverage | Progressive | 131.68 | 0 | 0 | 0 |
| 1664 | 20260220-111346-7597 | 2026-02-20 | MO | SIKESTON | 63801 | 2021 | CHEVROLET | EQUINOX | 32 | female | single | full_coverage | Dairyland Auto | 382.95 | 0 | 0 | 0 |
| 1430 | 20251201-112657-5184 | 2025-12-01 | MO | KANSAS CITY | 64151 | 2007 | TOYOTA | FJ CRUISER | 65 | male | single | liability_only | Progressive | 28.84 | 0 | 0 | 0 |
Top ZIPs in Our 2026 Dataset
Top ZIPs by quote volume in our 2026 auto-related sample. A Plus Insurance serves clients across multiple states. Rates differ by driver profile, vehicle, coverage, and local market conditions.
| ZIP Code | Area | Quote Count | Avg Monthly Premium |
|---|---|---|---|
| 80906 | Colorado Springs, CO | 16 | $227 |
| 80915 | Colorado Springs, CO | 15 | $173 |
| 80911 | Colorado Springs, CO | 14 | $152 |
| 80903 | Colorado Springs, CO | 13 | $126 |
| 80916 | Colorado Springs, CO | 12 | $220 |
| 80910 | Colorado Springs, CO | 12 | $120 |
| 81504 | Grand Junction, CO | 11 | $109 |
| 80817 | Fountain, CO | 10 | $193 |
| 81004 | Pueblo, CO | 9 | $135 |
| 80918 | Colorado Springs, CO | 9 | $162 |
Our Data Methodology
All insights on this page come from first-party quotes collected by our licensed brokerage from January through March 2026. This includes:
- Quotes from real clients — no simulated or public filing data
- Multiple product lines (auto, renters, non-owner, motorcycle, homeowners, etc.) clearly labeled
- Premiums cleaned into numeric values for averages and distribution charts
- Privacy: all data is aggregated and anonymized
Bundling Opportunities in St. Louis
Missouri Minimum Insurance Requirements
| Coverage | Minimum | Covers |
|---|---|---|
| Bodily Injury per Person | $25,000 | Medical for one person you injure |
| Bodily Injury per Accident | $50,000 | Total medical – all injured parties |
| Property Damage | $25,000 | Damage to others’ property/vehicles |
| Uninsured Motorist BI per Person | $25,000 | Required in Missouri |
| Uninsured Motorist BI per Accident | $50,000 | Required in Missouri |
For more detail, review our Missouri car insurance guide, and review SR-22 insurance in Missouri.
St. Louis County, MO Auto Insurance FAQs
Get Your Personalized St. Louis Quote
We are a licensed brokerage — not a carrier. Every data point on this page came from a real person we quoted or sold coverage to in St. Louis. We compare multiple carriers at once to get you the best rate for your profile.
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Brian Muse
Customer Service Representative