Best Cheap Auto Insurance in St. Joseph, MO (2021)

The average St. Joseph, MO auto insurance rates are $278 per month. The minimum auto insurance in St. Joseph is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in St. Joseph, Missouri, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in St. Joseph is 15.8 minutes
  • Average auto insurance rates in St. Joseph, MO for senior drivers are $1,864 per year
  • The minimum auto insurance required in St. Joseph, Missouri is 25/50/25

St. Joseph, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in St. Joseph can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in St. Joseph, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in St. Joseph to other Missouri cities, including St. Peters auto insurance rates, St. Joseph auto insurance rates, and Kansas City auto insurance rates to see how St. Joseph, Missouri auto insurance rates stack up.

Before you buy St. Joseph, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free St. Joseph, Missouri auto insurance quotes.

Minimum Auto Insurance in St. Joseph, Missouri

St. Joseph, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in St. Joseph, Missouri.

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

Auto insurance rates in St. Joseph, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap St. Joseph, Missouri Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in St. Joseph, Missouri is a challenge. Take a look at the annual teen auto insurance rates in St. Joseph, Missouri.

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

Cheap St. Joseph, Missouri Auto Insurance for Seniors

What are senior auto insurance rates in St. Joseph, Missouri? Take a look at the annual average rates for older drivers.

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

Cheap St. Joseph, Missouri Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in St. Joseph, Missouri compared to the annual auto insurance rates with a clean record in St. Joseph, Missouri.

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

Cheap St. Joseph, Missouri Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in St. Joseph, Missouri is not easy. Compare the annual rates for DUI auto insurance in St. Joseph, Missouri to find the best deal.

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

Cheap St. Joseph, Missouri Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how St. Joseph, Missouri annual auto insurance rates by credit history compare.

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

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Cheap St. Joseph, Missouri Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in St. Joseph, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in St. Joseph, Missouri to see how car insurance rates are affected by location.

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

Cheap St. Joseph, Missouri Auto Insurance Rates By Commute

Commute length and annual mileage affect St. Joseph, Missouri auto insurance. Find the cheapest annual St. Joseph, Missouri auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap St. Joseph, Missouri Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in St. Joseph, Missouri? Check out the comparison of annual St. Joseph, Missouri 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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Best By Category: Cheapest Auto Insurance in St. Joseph, Missouri

Compare the cheapest auto insurance companies in St. Joseph, Missouri in each category to find the company with the best rates for your personal needs.

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

The Cheapest St. Joseph, Missouri Auto Insurance Companies

What auto insurance companies in St. Joseph, Missouri are the cheapest? Compare the top St. Joseph, Missouri auto insurance companies to find the best annual rates.

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 auto insurance rates in St. Joseph, Missouri?

There are a lot of reasons why auto insurance rates in St. Joseph, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in St. Joseph, Missouri. Many local factors may affect your St. Joseph auto insurance rates.

St. Joseph Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average St. Joseph, Missouri commute length is 15.8 minutes according to City-Data.

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Compare St. Joseph, Missouri Auto Insurance Quotes

Before you buy St. Joseph, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free St. Joseph, Missouri auto insurance quotes.

Free Auto Insurance Comparison

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

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