Saint Joseph, MO Car Insurance

The average cost for car insurance in Saint Joseph is about $69 a month. To learn more about policy rates and coverage in the Saint Joseph area, continue reading our guide below.
What should residents of Saint Joseph expect to pay for their car insurance? How does Saint Joseph compare to the surrounding area and the rest of Missouri? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Saint Joseph?

Area Average Monthly Car Insurance Premium
Saint Joseph$69
MO$77
United States$80

As you can see in the chart above, it is around $8 a month cheaper to insure your vehicle in Saint Joseph than it is in the rest of Missouri.

Similarly, car insurance rates in Saint Joseph are more affordable than the national average. You can expect to pay about $11 less for your policy in Saint Joseph than in the rest of U.S.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've broken down the average rates for Saint Joseph to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$112
25-34$73
35-44$63
45-54$52
55-64$40
65+$49

The more time you have behind the wheel, the more experienced of a driver you should be. When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay $63 more than someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may start to rise again in Saint Joseph.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$76

Although women typically pay less than men do for insurance coverage, this is not the case in Saint Joseph, where female drivers pay around $76 per month while male drivers pay about $61.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$75
Multiple Accidents$182
1 Ticket$70
Multiple Tickets$84

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Saint Joseph with a single accident will pay around $75 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $70.

Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$66
2-3 Years$50
4-5 Years$62
6-7 Years$57
8-10 Years$54
11-14 Years$83
15 Years or Older$69

In Saint Joseph, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $65 per month for auto insurance coverage.

Truck and van drivers will see rates of about $68 for car insurance, while car owners typically pay around $71 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Saint Joseph, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$84
Divorced$63
Widowed$53

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Saint Joseph is no exception, with the difference totaling to around $16 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$72
Live with parents$96

Your living situation is another component of how insurance companies calculate your monthly rate. In Saint Joseph, homeowners can expect to pay around $12 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Saint Joseph, MO

Recent trends in car insurance for Saint Joseph drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Saint Joseph, the rates for car insurance increased from 2016-2017, but leveled out in 2020. Rates have been decreasing since then and recently reached a low of $42 per month in 2021.

How does Saint Joseph compare to neighboring areas?

Why are car insurance rates in Saint Joseph different from other areas?

Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:

  • General road safety (how many accidents each locality has)
  • Amount of off-street parking
  • Community regulations
  • Local crime rates
  • Amount of drivers in the region

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Saint Joseph?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Saint Joseph.

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Saint Joseph Insurance FAQs

What factors affect car insurance quotes in Saint Joseph?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Saint Joseph different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Saint Joseph?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Saint Joseph?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Saint Joseph or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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