St. Louis Car Insurance

St. Louis is not only the home of the famed baseball player, Yogi Berra, it's also home to more than 330,000 people. For those who live in work in this city, the commute time to work everyday is about 25 minutes, just under the national average.

This adds up to placing St. Louis solidly in 27th place in the country for traffic congestion. In total, the city loses more than 40,480 hours every year to sitting in traffic. This breaks down to about 20 hours per driver. Taxpayers have to come up with an extra $719,000 to pay for the additional cost in road repairs and associated costs and drivers must pay, on average, an additional $350 to maintain their cars.

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Over two years, St. Louis reported 136 car accidents that resulted in at least one fatality. According to the National Highway Traffic Safety Administration, this works out to a rate of 3.9 deadly accidents for every 10,000 people, which comes in just under the national norm.

Damage to and loss of vehicles hits the insurance companies, and they need to charge enough for the insuarnce premiums to make up the work. In 2005, St. Louis ranked 67th in nation for stolen vehicles. More than 13,370 cars were reported stolen in that one year alone, which means even more auto insurance claims.

All of these costs - car maintenance and repair, stolen vehicles, vandalism, car accidents - are a part of living in a bustling metropolitan area. This is why the cost of car insurance is higher in St. Louis than it is in more rural areas of Missouri.

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Car Insurance Policies in St Louis, MO

Missouri has a set of minimum requirements when it comes to your auto insurance policy. These include:

Bodily injury coverage - At least $25,000 per person and up to $50,000 for any one accident.
Property damage - A minimum of $10,000.
Uninsured motorist coverage

Remember, these are just required minimums for the whole state. Living in a city means more cars on the road, and the increased likelyhood of accidents. Consider purchasing more coverage, which may save you in the event that the cost of damages is higher than what your insurance covers. You should buy as much car insurance as you can comfortably afford.

St. Louis City Hall License Office
1200 Market St. Rm 106,
St. Louis, MO 63103
Tel.: 314-622-4231

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