Car Insurance in St. Joseph, MO

Enjoy the city's rich history, architecture and landscapes with high-quality car insurance in St. Joseph, MO.
Compare, shop and customize quotes from top-rated insurance carriers.

Stay Safe on St. Joseph Streets and Highways

The City of St. Joseph has a population of 70,000 people and a respectable reputation. Residents live among countless historical locations, including the Pony Express Museum and the last home where notorious bank robber Jesse James lived. Many of the city's 28,000 families own homes with beautiful architectural details. Despite such incredible history and the sophisticated atmosphere it creates, it's still essential to have trustworthy car insurance in St. Joseph, MO.

Insure Your Commuting Vehicle

The metropolitan area around St. Joseph boosts its population by another 50,000 residents. These households include hardworking families, business professionals and college students who commute to the city. About 14,000 students are enrolled in Missouri Western State University, Highland Community College and other schools.

The average commute for workers in St. Joseph is a comfortable 20 minutes. Only about 2,500 households make the 60-minute trip south to Kansas City for work or study.

Almost 85% of families drive a vehicle to the office, while another 10% carpool. Public transportation exists, but it's rarely used for commuting. More people work from home than take the bus to work.

Don't Underestimate Road Hazards

To get around the city and surrounding areas, residents use a large network of major roads. These include Interstate 29, U.S. Highway 169, U.S. Highway 36 and other high-speed roadways. Every driver in St. Joseph, MO, needs car insurance to help in the event of a crash.

Accidents on these highways are more common than many families realize. It's all too easy for crashes on Interstate 229 or Highway 36 to cause serious injuries or fatalities.

Vehicle owners can benefit by using VIU by HUB to review their auto insurance and understand what types of accidents are covered. Basic insurance mainly revolves around liability protection, not injury coverage. On the other hand, with good personal injury protection, families can pay for high-quality medical care after a crash.

Understand Why Car Accidents Happen in St. Joseph

In 2022, the region had 20 fatal car accidents. Over 15 people died in 2020, and 2021 also had a high number of serious crashes.Every city is different when it comes to driving hazards. In St. Joseph, some of the main causes of car accidents include:

  • Aggressive driving
  • DWIs and drug-related accidents
  • Distracted drivers (e.g., texting and driving)
  • Speeding

Another factor to consider is the weather. During winter, the city experiences over 100 days of freezing temps, which can cause icy roads and poor visibility. In spring and summer, St. Joseph gets about 36 inches of rain, potentially leading to poor reaction times on the highway.

Invest in Comprehensive Car Insurance for St. Joseph, MO, Crime Rates

Comprehensive coverage helps with theft-related damages. Every insurer is different, but in general, this type of policy covers:

  • Electronics theft
  • Vandalism
  • Theft of vehicles and vehicle components
  • Damage to auto glass from breaking in
  • Storm-related damage (e.g., hail or fallen tree branches)

The crime rate for vehicle theft and property crimes in St. Joseph is relatively high, so good insurance coverage is a smart investment. From 2013 to 2019, auto thefts increased from about 350 cases to almost 850 cases.

Choose the Right Car Insurance Coverage

Not all drivers know what type of car insurance to purchase for specific types of protection. The average cost of car insurance in St. Joseph, MO, is about $1,400 a year; however, policy costs vary considerably depending on the type of coverage chosen. Use VIU by HUB to see what's included in full-coverage insurance from a variety of companies.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census Bureau

City of St. Joseph

Data USA


Best Places

Auto insurance in Missouri by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.