Buy Cheap St. Joseph, MO Auto Insurance (2022)

St. Joseph, MO auto insurance rates average $278 a month. Minimum auto insurance requirements in St. Joseph, Missouri are 25/50/25 to comply with Missouri laws. To buy cheap auto insurance in St. Joseph, MO, compare St. Joseph auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in St. Joseph is Liberty Mutual
  • Average auto insurance rates in St. Joseph, MO after a DUI are $3,882/year
  • The most expensive auto insurance company in St. Joseph after a DUI is Liberty Mutual

Finding affordable St. Joseph, Missouri auto insurance can be challenging, but everything you need to know to buy cheap St. Joseph, MO auto insurance with confidence is right here. Auto insurance rates in St. Joseph are affected by local factors as well as personal ones like your driving record.

See how St. Joseph, MO car insurance rates compare to Columbia auto insurance rates, Florissant auto insurance rates, and Lee’s Summit auto insurance rates before you read more about the cost of auto insurance in St. Joseph.

Don’t buy St. Joseph, MO auto insurance until you’ve compared rates. Get free St. Joseph, Missouri auto insurance quotes when you enter your ZIP code above.

St. Joseph, MO Minimum Auto Insurance Requirements

The required auto insurance in St. Joseph, MO is 25/50/25 according to the auto insurance laws in Missouri. The minimum auto insurance in St. Joseph, Missouri is outlined here.

Minimum Required Auto 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

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Find Cheap St. Joseph, MO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in St. Joseph, MO. Take a look at St. Joseph, Missouri auto insurance rates by credit history.

Annual Auto 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

Buy Cheap St. Joseph, MO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect St. Joseph, Missouri auto insurance rates? Find out how car insurance rates in St. Joseph, MO are impacted by demographics.

Annual Auto 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

Buy Cheap St. Joseph, MO Auto Insurance for Teen Drivers

Auto insurance for teenagers in St. Joseph can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in St. Joseph, MO are listed here.

Annual Auto 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

Buy Cheap St. Joseph, MO Auto Insurance for Seniors

You can save on senior auto insurance rates in St. Joseph, Missouri by comparing St. Joseph senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in St. Joseph, MO here.

Annual Auto 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

Find Cheap Auto Insurance Rates in St. Joseph, MO by Coverage Level

The amount of coverage you choose is a big factor in the cost of St. Joseph, Missouri auto insurance. Compare St. Joseph, MO auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap St. Joseph, MO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in St. Joseph. Compare auto insurance rates in St. Joseph, MO by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap St. Joseph, MO Auto Insurance Rates by ZIP Code

Auto insurance rates in St. Joseph, Missouri can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in St. Joseph, MO to see how much where you live in St. Joseph affects the cost of car insurance.

Annual Auto 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

Find Cheap St. Joseph, MO Auto Insurance Rates by Driving Record

Auto insurance rates in St. Joseph, Missouri are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in St. Joseph, MO, take a look at the average cost for various violations versus rates for a clean driving record in St. Joseph.

Annual St. Joseph, Missouri Auto 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

Find Cheap St. Joseph, MO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in St. Joseph, Missouri is higher than for a clean driving record. You can buy auto insurance after a DUI in St. Joseph for less when you shop around and compare rates from multiple St. Joseph, MO auto insurance companies.

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

Insurance Company Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in St. Joseph, MO

Compare rates from the cheapest auto insurance companies in St. Joseph, MO for your needs. Take a look at how St. Joseph, Missouri auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap St. Joseph, Missouri Auto Insurance Companies

If you’re looking for the cheapest St. Joseph, MO auto insurance companies overall, you can compare them here. Find the best price for St. Joseph, Missouri car insurance by company.

Average Annual Auto 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

What affects St. Joseph, Missouri auto insurance rates?

Local factors affect auto insurance rates in St. Joseph, MO, including traffic, theft statistics, and commute length. Take a look at the things that impact St. Joseph auto insurance rates.

Commute Times in St. Joseph

Drivers who spend more time on the road are at a higher 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 Auto Insurance Quotes in St. Joseph, MO

You can buy cheap St. Joseph, MO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free St. Joseph, Missouri auto insurance quotes from top companies.

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