- St. Joseph car insurance cost averages $2,122 per year, or about $177 per month, for a full-coverage policy.
- Monthly car insurance rates for a few popular models in St. Joseph include the GMC Sierra at $195, Ford F150 at $198, and Toyota Tacoma at $179.
- Crossover vehicles like the Subaru Crosstrek, Kia Soul, Nissan Kicks, and Buick Envision are some of the best vehicles with the cheapest auto insurance in St. Joseph.
- Auto insurance quotes in St. Joseph can vary from as low as $35 per month for minimum liability insurance to over $722 per month for teenagers and other high-risk drivers.
Average car insurance cost in St. Joseph, Missouri
Average car insurance rates in St. Joe cost $2,122 per year, or around $177 per month. That’s 11.9% more expensive than the overall national average rate of $1,883 per year.
The average cost to insure a vehicle in Missouri is $2,132 per year, so drivers in St. Joseph pay an average of $10 less per year than the overall state-wide average rate. When compared to other locations in Missouri, the cost to insure a vehicle in St. Joseph is around $132 per year cheaper than in Kansas City, $172 per year more than in Springfield, and $14 per year less than in Independence.
The next chart summarizes average auto insurance cost in St. Joseph, MO, broken out based on a range of driver ages, deductibles, and risk profiles. Rates are averaged for all 2024 vehicle models including luxury cars and SUVs.
In the chart above, the cost of car insurance in St. Joseph ranges from $1,764 per year for a 40-year-old driver who qualifies for the cheapest St. Joseph car insurance rates (lots of discounts), to $4,886 per year for a 30-year-old driver with several violations and accidents (high-risk driver). From a monthly budget point of view, the average cost ranges from $147 to $407 per month.
Driver age is the factor that has the most impact on the price of auto insurance. The list below details how driver age influences cost by breaking out average car insurance rates based on the age of the driver, while keeping all other variables constant.
Average car insurance rates in St. Joseph for drivers age 16 to 60
- 16-year-old rated driver – $7,560 per year or $630 per month
- 17-year-old rated driver – $7,326 per year or $611 per month
- 18-year-old rated driver – $6,565 per year or $547 per month
- 19-year-old rated driver – $5,977 per year or $498 per month
- 20-year-old rated driver – $4,274 per year or $356 per month
- 30-year-old rated driver – $2,266 per year or $189 per month
- 40-year-old rated driver – $2,122 per year or $177 per month
- 50-year-old rated driver – $1,882 per year or $157 per month
- 60-year-old rated driver – $1,764 per year or $147 per month
The rates thus far have all been average rates across all 2024 vehicle models, which is useful when making general comparisons such as the difference in average auto insurance cost for two different locations in Missouri.
But most people have a pretty good idea of the vehicle they’ll be buying insurance for, so let’s get more specific with the numbers.
The chart below shows average rates in St. Joseph for many of the top-selling cars, pickups, and SUVs sold in the state of Missouri.
Models popular with drivers in St. Joseph tend to be compact and midsize sedans like the Toyota Corolla, Honda Civic, and Kia K5 and compact and midsize SUVs like the Ford Escape, Nissan Rogue, and Subaru Outback.
Some additional popular models in St. Joseph from other vehicle segments include luxury cars like the Tesla Model S, Infiniti Q50, and Acura ILX, luxury SUVs like the Infiniti QX60, Acura MDX, and Lexus RX 350, and pickup trucks like the Ram 1500, Ford F-150, and Toyota Tacoma.
Are popular cars cheap to insure? Some are but most are not. The next section ranks the top 50 cheapest vehicles to insure in the city of St. Joseph, and you might be surprised at how few of the popular vehicles above show up in the list.
Cheapest car insurance in St. Joseph
When comparing rates for all vehicles, the models with the most affordable insurance prices in St. Joseph tend to be crossovers and compact SUVs like the Kia Soul, Chevrolet Trailblazer, Toyota Corolla Cross, and Nissan Kicks.
Average car insurance quotes for models ranked in the top 10 cost $1,740 or less per year for a policy with full coverage.
Some additional vehicles that are highly ranked in our insurance cost comparison are the Buick Envista, Volkswagen Tiguan, Subaru Outback, and Honda CR-V.
Average auto insurance rates are a little higher for those models than the compact SUVs that rank at the top, but they still have an average insurance cost of $1,822 or less per year, or $152 per month.
The table below ranks the 50 car, truck, and SUV models with the cheapest auto insurance in St. Joseph.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,568 | $131 |
| 2 | Chevrolet Trailblazer | $1,596 | $133 |
| 3 | Kia Soul | $1,658 | $138 |
| 4 | Nissan Kicks | $1,674 | $140 |
| 5 | Honda Passport | $1,694 | $141 |
| 6 | Buick Envision | $1,700 | $142 |
| 7 | Toyota Corolla Cross | $1,712 | $143 |
| 8 | Hyundai Venue | $1,722 | $144 |
| 9 | Mazda CX-5 | $1,732 | $144 |
| 10 | Ford Bronco Sport | $1,740 | $145 |
| 11 | Volkswagen Tiguan | $1,758 | $147 |
| 12 | Acura RDX | $1,776 | $148 |
| 13 | Nissan Murano | $1,786 | $149 |
| 14 | Buick Encore | $1,806 | $151 |
| 15 | Subaru Outback | $1,808 | $151 |
| 16 | Honda CR-V | $1,810 | $151 |
| 17 | Buick Envista | $1,814 | $151 |
| 18 | Chevrolet Colorado | $1,818 | $152 |
| 19 | Volkswagen Taos | $1,818 | $152 |
| 20 | Kia Niro | $1,822 | $152 |
| 21 | Toyota GR Corolla | $1,844 | $154 |
| 22 | Honda HR-V | $1,848 | $154 |
| 23 | Subaru Ascent | $1,850 | $154 |
| 24 | Nissan Leaf | $1,858 | $155 |
| 25 | Honda Civic | $1,880 | $157 |
| 26 | Lexus NX 250 | $1,880 | $157 |
| 27 | Volkswagen Atlas | $1,884 | $157 |
| 28 | Acura Integra | $1,890 | $158 |
| 29 | Volkswagen Atlas Cross Sport | $1,890 | $158 |
| 30 | Subaru Forester | $1,894 | $158 |
| 31 | Kia Seltos | $1,896 | $158 |
| 32 | GMC Terrain | $1,902 | $159 |
| 33 | Nissan Rogue | $1,908 | $159 |
| 34 | Hyundai Kona | $1,910 | $159 |
| 35 | Mazda CX-30 | $1,914 | $160 |
| 36 | Cadillac XT4 | $1,920 | $160 |
| 37 | Volkswagen ID4 | $1,926 | $161 |
| 38 | Ford Explorer | $1,928 | $161 |
| 39 | Toyota Highlander | $1,934 | $161 |
| 40 | Ford Escape | $1,936 | $161 |
| 41 | Toyota Venza | $1,938 | $162 |
| 42 | Honda Odyssey | $1,942 | $162 |
| 43 | Nissan Sentra | $1,948 | $162 |
| 44 | Hyundai Ioniq 6 | $1,952 | $163 |
| 45 | Subaru Impreza | $1,952 | $163 |
| 46 | Chevrolet Equinox | $1,956 | $163 |
| 47 | Toyota RAV4 | $1,956 | $163 |
| 48 | Mazda MX-5 Miata | $1,966 | $164 |
| 49 | Mazda MX-30 | $1,972 | $164 |
| 50 | Hyundai Tucson | $1,976 | $165 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all St Joseph, MO Zip Codes. Updated February 22, 2024
Some additional models worth noting that rank in the top 50 table above include the Toyota Highlander, the Hyundai Ioniq 6, the Ford Explorer, the Toyota Venza, and the GMC Terrain. Average auto insurance rates for those vehicles cost between $1,822 and $1,980 per year in St Joseph, MO.
To put the rates of the cheapest vehicles in perspective, some models with much more expensive insurance include the Toyota Mirai costing an average of $2,640 per year, the Chevrolet Camaro which costs $2,758, and the Mercedes-Benz S560 which averages $3,730.
For very high-priced insurance, cars like the Audi RS 6 and BMW 750i have rates that can easily cost more than double those of the cheapest vehicles to insure. In general, expect cars with higher sticker prices to cost more to insure.
The next section goes into detail about the average cost of car insurance in St. Joseph for each different automotive segment. If you haven’t found the right car yet, this data might point you in the right direction as far as the type of vehicles that tend to have more affordable insurance.
Types of vehicles with the cheapest car insurance
When car shopping, it’s useful to know which categories of vehicles have less expensive car insurance rates in St. Joseph. If your monthly budget is the primary concern, then you’ll probably want to look at vehicles like compact or midsize SUVs, or possibly some midsize pickups.
The next chart displays the average car insurance cost for each automotive segment. When comparing rates from a segment perspective, small SUVs and midsize pickups tend to have the least expensive average rates, while exotic models have the highest car insurance rates.
It’s best to use segment average rates just as a general guide, as you will want to look at rates for specific models to find the best car insurance rates in any particular segment.
For example, in the sports car segment, rates range from the Mazda MX-5 Miata costing $1,966 per year to the Mercedes-Benz SL 63 at $4,364 per year.
In the midsize SUV segment, insurance rates can vary from the Honda Passport costing $1,694 per year up to the Rivian R1S at $2,604 per year, a difference of $910 within that segment.
And in the small luxury car segment, the average cost of insurance can vary from the Acura Integra costing $1,890 per year to the BMW M340i costing $2,592 per year, a difference of $702 just for that segment.
Those examples just show how much car insurance cost can vary within each segment, so it’s important to narrow your selection down to a few specific models, and then compare the rates on the specific trim level of each model.
Best practices for saving money on car insurance
Finding the best rate on car insurance is not really that difficult, but you can benefit by knowing some of the factors that contribute to higher rates. Things like being a safe driver and buying a vehicle that is cheaper to insure are factors that you CAN control and reduce your monthly auto insurance cost.
- Choose a vehicle that is cheaper to insure. The vehicle you drive is a huge factor in the price you pay for car insurance in St. Joseph. For example, a Volkswagen Atlas costs $1,310 less per year to insure in St. Joseph than a Dodge Challenger. Choose cheaper models and save money.
- Don’t file small claims. Most insurance companies offer a discount if you have no claims. Insurance is intended to be used for large financial hits, not for small claims.
- Being a good driver saves money. Multiple at-fault accidents raise rates, possibly up to $1,026 per year for a 30-year-old driver and even $518 per year for a 60-year-old driver. So drive safe and save!
- Shop around for better rates. Setting aside a few minutes before every renewal to get some free car insurance quotes can save more money than you might think. Rates change quite often and switching to a different company is very easy to do.
- Your profession could earn you discounts. The large majority of auto insurance providers offer discounts for specific occupations like members of the military, lawyers, nurses, emergency medical technicians, accountants, and others. If you can qualify for this discount, you may save between $64 and $206 on your annual auto insurance bill, depending on your policy.