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Get Cheap Car Insurance in Saint Joseph, Louisville, KY
We monitor insurance prices, helping the average driver in Saint Joseph save up to 29.1% on car insurance.
The Cheapest Minimum Coverage in Saint Joseph
The chart below shows the cheapest car insurance company in Saint Joseph for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Travelers, and Geico.
| Saint Joseph Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $64 |
| State Farm | $64 |
| Travelers | $93 |
| Geico | $101 |
Savings for Every Kind of Saint Joseph Driver
Based on our extensive insurance data, we know the average Saint Joseph driver will save about 25% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $567 per year by choosing the right vehicle insurance company. Some Saint Joseph residents are paying out over $2,243 extra every year for auto insurance in Saint Joseph. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Saint Joseph, Louisville, KY Savings / Yr. |
|---|---|
$567 |
|
$929 |
|
$915 |
|
$925 |
|
$1,831 |
|
$613 |
|
$982 |
Saint Joseph Car Insurance vs. Louisville
People living in Saint Joseph pay an average of 5.12% more than the typical driver in the state. The average driver in Saint Joseph can expect to pay about $1,155 per year, or $2,243 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Saint Joseph for most people.
Car Insurance Prices by Saint Joseph Neighborhood
Insurance Prices
Where is insurance cheapest within Saint Joseph?
The map shows insurance prices in and around Saint Joseph, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $164 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,346 to a low of $2,182. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of Saint Joseph.Pick the Best Car Insurance Company for You in Saint Joseph
The best car insurance provider for most drivers in Saint Joseph
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $567 over the average Saint Joseph car insurance company.
The best car insurance provider for Saint Joseph drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $929 over the competition.
The best car insurance company for Saint Joseph drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $915 better than other car insurance companies.
The best auto insurance for Saint Joseph drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $925 less each year.
The least expensive car insurance company for new and young drivers in Saint Joseph
In Saint Joseph, State Farm costs young drivers $1,831 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Saint Joseph
State Farm gave the largest car insurance discounts to married couples, averaging $613 saved each year compared to an average Saint Joseph couple's premiums.
The cheapest car insurance in Saint Joseph for drivers with bad credit
The best Saint Joseph car insurance company for customer service
Nationwide was the best company for customer service in Saint Joseph according to the NAIC.
Recent price drops
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The cheapest large national provider in Saint Joseph
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Saint Joseph driver can expect to pay about $144 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Saint Joseph, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, young drivers, and good drivers.Auto Insurance Prices in and Around Saint Joseph
What Influences the Cost of Car Insurance in Saint Joseph?
On average, car insurance in Saint Joseph is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- Kentucky state insurance regulations may require higher prices.
- An average of 6 to 7 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Saint Joseph are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Saint Joseph is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Saint Joseph is $96 per month for minimum coverage and $187 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Schnitzelburg: Insurance costs 4.77% less
- Audubon: Insurance costs 4.68% less
- South Louisville: Insurance costs 7.98% more
- Old Louisville: Insurance costs 3.43% more
- Germantown: Insurance costs 0.22% more
- Taylor Berry: Insurance costs 8.38% more
- Algonquin: Insurance costs 12.39% more
- Wyandotte: Insurance costs 4.68% more
- Deer Park: Insurance costs 5.97% less
- Beechmont: Insurance costs 4.37% more
Neighborhoods with Similar Populations
- Malba: Insurance costs 37.72% more
- Fairview: Insurance costs 53.46% more
- Cole: Insurance costs 0.40% less
- Jackson Park: Insurance costs 9.01% less
- Babcock: Insurance costs 17.03% more
- Wilmington Historic District: Insurance costs 50.07% less
- Wedgemere Historic District: Insurance costs 27.55% less
- Wayne State: Insurance costs 55.33% more
- Waterway Village: Insurance costs 25.46% more
- Sunset Hills: Insurance costs 36.51% less