Compare St. Joseph, MO Car Insurance Rates (2021)

Car insurance in St. Joseph, MO averages $278 a month. St. Joseph, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap St. Joseph car insurance rates, compare quotes from the top car insurance companies in St. Joseph, MO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in St. Joseph is 64504
  • Average car insurance rates in St. Joseph, MO are $3,336/year
  • Average car insurance rates in St. Joseph, MO after a DUI are $3,882/year

If you need to buy St. Joseph, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in St. Joseph, MO is right here.

You’ll find St. Joseph car insurance rates, the cheapest St. Joseph, MO car insurance companies, and information on Missouri car insurance laws. You can also compare St. Joseph, Missouri car insurance rates to Independence car insurance rates, Kansas City car insurance rates, and St. Louis car insurance rates.

Ready to find affordable St. Joseph, MO car insurance today? Enter your ZIP code for fast, free St. Joseph car insurance quotes.

Cheapest St. Joseph, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect St. Joseph, MO car insurance rates? Every St. Joseph, Missouri car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in St. Joseph, Missouri

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

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Minimum Car Insurance in St. Joseph, MO

Every driver must carry the minimum car insurance in St. Joseph, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in St. Joseph, Missouri

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

Cheapest St. Joseph, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in St. Joseph, MO. Compare credit history car insurance rates in St. Joseph from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in St. Joseph, Missouri

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

Cheapest St. Joseph, MO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in St. Joseph, MO to rates for a clean record with top companies.

Annual St. Joseph, Missouri Car Insurance Rates by Driving Record

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

Cheapest St. Joseph, MO Car Insurance for Teen Drivers

Teen car insurance in St. Joseph, MO can be expensive. Take a look at rates from the top car insurance companies in St. Joseph for teenagers.

Annual Car Insurance Rates for Teen Drivers in St. Joseph, Missouri

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

Cheapest St. Joseph, MO Car Insurance for Seniors

Take a look at St. Joseph, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in St. Joseph, Missouri

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

Cheapest St. Joseph, MO Car Insurance Rates After a DUI

A DUI in St. Joseph, MO increases car insurance rates. Compare St. Joseph, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in St. Joseph, Missouri

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

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Cheapest St. Joseph, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in St. Joseph, MO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in St. Joseph, Missouri

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

Cheapest St. Joseph, MO Car Insurance Rates by ZIP Code

St. Joseph car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in St. Joseph, MO.

Annual Car Insurance Rates by ZIP Code in St. Joseph, Missouri

ZIP Code Average Annual Rates
64501 $2,769
64503 $2,725
64504 $2,710
64505 $2,785
64506 $2,762
64507 $2,724

The Best Cheap Car Insurance Companies in St. Joseph, MO

Take a look at a side-by-side comparison of the top car insurance companies in St. Joseph, MO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in St. Joseph, Missouri

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

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Category Winners: Cheapest Car Insurance in St. Joseph, Missouri

Find the cheapest car insurance companies in St. Joseph, MO for each category right here.

Best Annual Car Insurance Rates by Company in St. Joseph, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

Cheapest St. Joseph, MO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your St. Joseph car insurance rates. Find the cheapest St. Joseph, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in St. Joseph, Missouri

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

What affects car insurance rates in St. Joseph, Missouri?

What factors can have an impact on St. Joseph, MO car insurance? There are several reasons why St. Joseph car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in St. Joseph, Missouri.

Commute Time in St. Joseph

The more time you spend in your car the higher the risk of an accident. The average commute length in St. Joseph, MO is 15.8 minutes according to City-Data.

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Compare Car Insurance Quotes in St. Joseph, MO

Ready to find affordable St. Joseph, Missouri car insurance today? Enter your ZIP code for fast, free St. Joseph, MO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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