It is illegal to drive a car in the UK without a valid driving license and most car insurance providers will make this a basic requirement to be accepted for the policy. If you are learning to drive and only have a provisional licence, you must have driving insurance.The average cost of car insurance in St. Louis is $1,490, which is 14.2% above the state's annual average of $1,305. Also the cost of car insurance in St. Louis was 4.6% above the national average of $1,424.