Southtown Insurance



Southtown Insurance is an independent agency, which means we can shop some of the top nationwide carriers for the best coverage at the most competitive rate for you! We value your time, so we make it easy. By offering multiple carriers, you no longer have to wonder if you have the best coverage and rate.


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St. Louis
Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that’s not the worst of it. Each year there are more than 700,000 weather-related car accidents. In St. Louis, you can expect 113 rainy days with an annual rainfall of 41 inches. St. Louis is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

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 and injury costs. You must carry at least the minimum level of liability insurance:

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

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.

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