ST. LOUIS (KMOX) – As St. Louis City and St. Louis County officials talk about combining their crime numbers, should property owners in low-crime areas of the city and county be worried about increasing insurance rates?

The short answer is “no.”

Missouri Insurance Coalition Governmental Affairs Director Brent Butler says a region’s crime rate has no effect on home or auto insurance rates. Butler says that when determining risk, companies don’t look at cities or counties.

“The larger the company, the more likely it is to be broke down by…a neighborhood because they have that kind of information because they just have the large numbers of experience,” he said. “Most of the data that they would be given or have developed themselves, are based on more neighborhood areas rather than the county or city as a whole.”

Local leaders say St. Louis unfairly tops most dangerous city lists because other cities get to combine their crime stats with the suburbs and St. Louis doesn’t.

St. Louis County Police Chief Tim Fitch told KMOX News in August that he and City Police Chief Sam Dotson plan to lobby the FBI to let St. Louis merge stats but without having to actually merge departments.

Butler says crime is just one of several factors used to determine insurance rates.


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