Saint Joseph, MO Car Insurance

Drivers in Saint Joseph pay around $64 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How do rates in Saint Joseph measure up compared to neighboring areas, including Missouri as a whole? What rates can residents of Saint Joseph expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Saint Joseph?

Area Average Monthly Car Insurance Premium
Saint Joseph$64
MO$76
United States$81

Car insurance coverage in Saint Joseph is about $12 cheaper than it is in the rest of Missouri.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Saint Joseph is rather affordable. You can expect to pay about $17 below the national average for auto insurance in Saint Joseph.

While these are the average car insurance rates for Saint Joseph, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down the average rate for Saint Joseph residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$112
25-34$71
35-44$59
45-54Not Enough Data
55-64$43
65+$49

Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Saint Joseph.

Average Car Insurance Rates by Gender

Gender Average
Male$57
Female$69

While women typically pay less than men do for auto insurance, Saint Joseph goes against the grain. Female drivers typically pay around $12 more per month for auto insurance than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$76
Multiple Accidents$147
1 Ticket$57
Multiple Tickets$116

Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Saint Joseph with a single accident will pay around $76 a month. In addition, drivers with one ticket can expect to pay around $57 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$59
2-3 Years$50
4-5 Years$59
6-7 Years$56
8-10 Years$61
11-14 Years$77
15 Years or Older$61

As you can see in the first table above, the cheapest vehicles to insure in Saint Joseph are usually trucks and vans, which run about $59 per month.

SUV drivers will see rates of about $60 for insurance coverage, while car owners typically pay around $68 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. 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)$63
Married$83
Divorced$59
Widowed$53

Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Saint Joseph is no exception, with the difference totaling to around $20 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$65
Live with parents$79

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Saint Joseph. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance costs.

Car Insurance Companies in Saint Joseph, MO

Recent trends in car insurance for Saint Joseph drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

In Saint Joseph, auto insurance rates have been steadily decreasing, reaching a low of $43 in 2022.

How does Saint Joseph compare to neighboring areas?

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

Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Road Safety (total number of local car accidents)
  • Rate of crime
  • Total number of drivers in the region
  • Local laws
  • Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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

While knowing 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.

Fortunately, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing policies in Saint Joseph in no time.

Compare the cheapest quotes from dozens of insurance companies

Saint Joseph Insurance FAQs

What factors affect car insurance quotes in Saint Joseph?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using 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 relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Saint Joseph or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes