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st. louis car insurance

From top-tier universities to a world-class symphony, there's more to St. Louis than meets the eye (or ear). Funny, you might find yourself saying the same about your car insurance when you choose to secure reliable coverage with Esurance.

By starting a St. Louis car insurance policy with us, you gain access to cutting-edge tools like our Coverage Counselor®, an award-winning website offering insights on key topics, and 24/7 customer service to handle all your needs. And, of course, enough cash-saving discounts to turn the blues into the greens.

st. louis car insurance discounts

A towering arch may be the famed symbol of your great city, but we don't want you bending over backward just to get low rates while you're driving in it.

Take a gander at some of the St. Louis auto insurance discounts we offer to help keep your premium down:

Good Student discount
If anyone on your policy 25 years old or younger holds at least a 3.0 (or "B") average at the high school, college, or university level, you could score lower rates on your policy.

Homeowners discount
Just for owning your St. Louis home or condo, you could enjoy savings.

Fast 5® discount
Earn up to 5 percent off your first policy term when you start your quote online.

Multi-policy discount
Protecting your St. Louis home and car with us not only puts your insurance all in one place, but also your money (namely, your pocket). You can save on both policies when you purchase Esurance auto and homeowners coverage.

For even more awesome discounts (oh yes, there are more), check out our official Missouri car insurance page.

required car insurance in st. louis

You must have at least the following coverages and limits on your St. Louis auto insurance:

Liability insurance

If you cause a car accident, this coverage helps safeguard your finances by helping to pay for others' property damage or injury costs. You must carry at least the minimum level of liability insurance:

  • $25,000 of bodily injury liability coverage per person
  • $50,000 of bodily injury liability coverage per incident
  • $10,000 of property damage coverage per incident

Uninsured motorist bodily injury coverage

What could be worse than being an accident? Getting stuck with the injury bills when it wasn't your fault.

Luckily, you can avoid this dreaded scenario with uninsured motorist coverage, which helps pay for injury treatment after accidents with uninsured drivers. Your coverage levels must at least be as high as your liability limits — $25,000 per person and $50,000 per incident.

optional st. louis car insurance coverage

Esurance (much like the Gateway City itself) is full of surprising possibilities. From comprehensive coverage to emergency road service, we bring a huge array of optional coverages so St. Louis motorists have all the protection they need to drive worry-free.

Browse a full list of optional coverages to start tailoring your perfect policy.

e-star® repair shops in st. louis

For reliable repairs after an accident, Esurance has you covered. By taking your ride to a repair shop in our E-Star network, your repairs are guaranteed for as long as you own your car. You'll also have the advantage of Repairview®, which allows you to easily track the process and see photos online from the comfort of your home.

Here are a couple of E-Star shops in your neck of the woods:

American Automotive Services
3424 Delmar Blvd.
Phone: 314-531-2800
Hours: Monday through Friday, 7:00 a.m.–5:00 p.m. CT

Gapsch's CARSTAR Collision Center
4709 Green Park Rd.
Phone: 314-894-2322
Hours: Monday through Friday, 8:00 a.m.–6:00 p.m. CT

Enter your ZIP Code to search for more E-Star shops near you.

driving in st. louis

Comprehensive coverage for theft security

Although its property crime risk has dropped a great deal in recent years, St. Louis still poses a major threat for car theft. If you call this city home, you might consider adding comprehensive coverage to your policy. If thieves get their mitts on your ride, comprehensive helps you replace your lost vehicle.

Interstate history

St. Louis is a major stop along two of the earliest interstates of all time. In 1956, Missouri became the first state in the U.S. to fund an interstate highway project, the famous route 66. What's more, the state was also the first to break ground on an interstate, the Mark Twain Expressway (I-70 to most of you).

So, the next time you hit the open road in St. Louis, you can take a minute to appreciate your city's role in carving its path.

Related links

Kicks on Route 66
Find out which 6 attractions you don't want to miss when you drive historic Route 66.

Missouri homeowners insurance
You've got it made in Missouri with an Esurance home insurance policy.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262