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...

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

Advertiser Disclosure

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.

Just What's Essential

  • 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.

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

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

secured lock 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.

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

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.

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

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.

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

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.

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

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.

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

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

secured lock 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.

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

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.

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

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.

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

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.

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

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

secured lock 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.

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

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.

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

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 lock 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.