Affordable Car Insurance Rates in St. Joseph, MO (2024)
Car insurance rates in St. Joseph, MO are $278/month on average. By law, Missouri drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple St. Joseph car insurance companies to get the coverage you need at the best rates available.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in St. Joseph, MO are $278/month
- Average car insurance rates in St. Joseph, MO for senior drivers are $1,864/year
- The cheapest car insurance company in St. Joseph for teen drivers is Nationwide
Average car insurance rates in St. Joseph, Missouri are $278 a month. But with a little research you can get a great deal from the top car insurance companies in St. Joseph, MO. Before you buy St. Joseph, Missouri car insurance, make sure your coverage meets or exceeds the Missouri minimum of 25/50/25.
It may even be helpful to compare St. Joseph car insurance rates with Springfield car insurance rates, Florissant car insurance rates, or St. Charles car insurance rates to make sure you’re getting the best St. Joseph, MO car insurance quotes available.
Need affordable St. Joseph, MO car insurance? Enter your ZIP code to compare St. Joseph car insurance quotes from multiple car insurance companies near you.
St. Joseph, MO Minimum Car Insurance Coverage
St. Joseph, Missouri law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
St. Joseph, MO Car Insurance Rates by Coverage Level
Some St. Joseph drivers can get by with the Missouri minimum coverage of 25/50/25. Other drivers may need more. See how much your St. Joseph, Missouri car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,826 | $3,956 | $4,110 |
| American Family | $3,183 | $3,382 | $3,270 |
| Farmers | $3,991 | $4,218 | $4,566 |
| Geico | $2,658 | $2,856 | $2,991 |
| Liberty Mutual | $4,462 | $4,755 | $4,977 |
| Nationwide | $2,083 | $2,241 | $2,338 |
| Progressive | $2,979 | $3,445 | $3,869 |
| State Farm | $2,662 | $2,859 | $3,019 |
| USAA | $2,371 | $2,452 | $2,554 |
St. Joseph, MO Car Insurance Rates by Age, Gender, and Marital Status
St. Joseph, Missouri car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy St. Joseph, MO car insurance, get quotes from multiple car insurance companies in the St. Joseph area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,736 | $2,645 | $2,468 | $2,545 | $7,678 | $8,333 | $2,614 | $2,696 |
| American Family | $2,145 | $2,145 | $1,909 | $1,909 | $5,851 | $7,612 | $2,145 | $2,512 |
| Farmers | $2,340 | $2,332 | $2,090 | $2,213 | $9,648 | $9,982 | $2,670 | $2,792 |
| Geico | $1,865 | $2,089 | $1,446 | $1,847 | $5,828 | $6,177 | $1,708 | $1,722 |
| Liberty Mutual | $2,847 | $3,087 | $2,340 | $2,628 | $9,826 | $10,920 | $3,001 | $3,203 |
| Nationwide | $1,472 | $1,501 | $1,322 | $1,396 | $3,767 | $4,808 | $1,684 | $1,817 |
| Progressive | $2,125 | $1,935 | $1,734 | $1,799 | $6,978 | $7,780 | $2,555 | $2,543 |
| State Farm | $1,758 | $1,758 | $1,581 | $1,581 | $5,242 | $6,594 | $1,983 | $2,273 |
| USAA | $1,523 | $1,516 | $1,356 | $1,392 | $4,422 | $5,416 | $1,911 | $2,134 |
St. Joseph, MO Car Insurance Rates for Teens
How much is St. Joseph, Missouri car insurance for teens? Compare rates from top St. Joseph car insurance companies below to help find the cheapest teen car insurance in St. Joseph, MO.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,678 | $8,333 |
| American Family | $5,851 | $7,612 |
| Farmers | $9,648 | $9,982 |
| Geico | $5,828 | $6,177 |
| Liberty Mutual | $9,826 | $10,920 |
| Nationwide | $3,767 | $4,808 |
| Progressive | $6,978 | $7,780 |
| State Farm | $5,242 | $6,594 |
| USAA | $4,422 | $5,416 |
St. Joseph, MO Car Insurance Rates for Seniors
Before seniors buy St. Joseph, Missouri car insurance, they should make sure to shop around. Some St. Joseph, MO car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,468 | $2,545 |
| American Family | $1,909 | $1,909 |
| Farmers | $2,090 | $2,213 |
| Geico | $1,446 | $1,847 |
| Liberty Mutual | $2,340 | $2,628 |
| Nationwide | $1,322 | $1,396 |
| Progressive | $1,734 | $1,799 |
| State Farm | $1,581 | $1,581 |
| USAA | $1,356 | $1,392 |
St. Joseph, MO Car Insurance Rates by Credit History
How does your credit history affect St. Joseph, MO car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,464 | $3,521 | $2,908 |
| American Family | $4,285 | $3,013 | $2,537 |
| Farmers | $4,863 | $4,055 | $3,857 |
| Geico | $3,915 | $2,550 | $2,041 |
| Liberty Mutual | $6,791 | $4,142 | $3,261 |
| Nationwide | $2,617 | $2,165 | $1,880 |
| Progressive | $3,997 | $3,284 | $3,012 |
| State Farm | $3,954 | $2,531 | $2,054 |
| USAA | $4,127 | $1,897 | $1,352 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
St. Joseph, MO Car Insurance Rates by Driver History
How does a single speeding ticket affect your St. Joseph, Missouri car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in St. Joseph.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,394 | $3,833 | $4,782 | $3,848 |
| American Family | $2,460 | $3,540 | $4,309 | $2,805 |
| Farmers | $3,686 | $4,580 | $4,478 | $4,290 |
| Geico | $2,208 | $2,869 | $3,867 | $2,397 |
| Liberty Mutual | $3,439 | $4,934 | $5,087 | $5,467 |
| Nationwide | $1,741 | $2,240 | $2,995 | $1,908 |
| Progressive | $2,973 | $3,979 | $3,294 | $3,478 |
| State Farm | $2,605 | $3,088 | $2,846 | $2,846 |
| USAA | $1,998 | $2,393 | $3,276 | $2,169 |
St. Joseph, MO Car Insurance Rates With a DUI
Even a single DUI can increase your St. Joseph, MO car insurance rates. Compare rates below to see which St. Joseph car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,782 |
| American Family | $4,309 |
| Farmers | $4,478 |
| Geico | $3,867 |
| Liberty Mutual | $5,087 |
| Nationwide | $2,995 |
| Progressive | $3,294 |
| State Farm | $2,846 |
| USAA | $3,276 |
St. Joseph, MO Car Insurance Rates by ZIP Code
Just like St. Joseph car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how St. Joseph, MO car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 64501 | $2,769 |
| 64503 | $2,725 |
| 64504 | $2,710 |
| 64505 | $2,785 |
| 64506 | $2,762 |
| 64507 | $2,724 |
St. Joseph, MO Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your St. Joseph, MO car insurance rates may be. Let’s take a look at average car insurance rates from top St. Joseph companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,964 | $3,964 |
| American Family | $3,246 | $3,311 |
| Farmers | $4,258 | $4,258 |
| Geico | $2,782 | $2,888 |
| Liberty Mutual | $4,731 | $4,731 |
| Nationwide | $2,221 | $2,221 |
| Progressive | $3,431 | $3,431 |
| State Farm | $2,776 | $2,916 |
| USAA | $2,369 | $2,548 |
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
St. Joseph, MO Cheapest Car Insurance Rates
How do the top St. Joseph, Missouri car insurance companies’ average rates stack up against the St. Joseph average monthly car insurance rates of $278? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
St. Joseph, MO Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top St. Joseph, Missouri car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,964 |
| American Family | $3,278 |
| Farmers | $4,258 |
| Geico | $2,835 |
| Liberty Mutual | $4,731 |
| Nationwide | $2,221 |
| Progressive | $3,431 |
| State Farm | $2,846 |
| USAA | $2,459 |
Other Factors Affecting St. Joseph, MO Car Insurance Rates
Before you buy St. Joseph, Missouri car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
St. Joseph, MO Commute Time
How does your St. Joseph, MO commute time compare with the average driver? In St. Joseph, the average commute is 15.8 minutes.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
St. Joseph, MO Car Insurance Quotes
Compare St. Joseph, MO car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.