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Get Cheap Car Insurance in St. Joseph County, IN

We monitor insurance prices, helping the average driver in St. Joseph County save up to 29.1% on car insurance.

 

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The Cheapest Minimum Coverage in St. Joseph County

The chart below shows the cheapest car insurance company in St. Joseph County 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 Auto-Owners Insurance, followed by State Farm, Safe Auto, and Travelers.

 
St. Joseph County Insurer Monthly Cost
Auto-Owners Insurance $47
State Farm $50
Safe Auto $50
Travelers $51

Savings for Every Kind of St. Joseph County Driver

The table shows how much the average auto insurance customer in St. Joseph County might save by following our recommendations.

Based on our extensive insurance data, we know the average St. Joseph County driver will save about 29% 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 $363 per year by choosing the right vehicle insurance company. Some St. Joseph County residents are paying out over $1,247 extra every year for auto insurance in St. Joseph County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
St. Joseph County, IN Savings / Yr.
Drivers with good records
$363
Drivers with accidents
$567
Drivers with speeding tickets
$460
Drivers with a DUI conviction
$325
Young drivers
$652
Married drivers
$279
Drivers with bad credit
$398

St. Joseph County Car Insurance vs. Indiana

People living in St. Joseph County pay an average of 2.06% more than the typical driver in the state. The average driver in St. Joseph County can expect to pay about $774 per year, or $1,247 for full coverage.

Based on our analysis, Erie Insurance will be the cheapest provider in St. Joseph County for most people.

Car Insurance Prices by St. Joseph County Neighborhood

St. Joseph County, IN map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within St. Joseph County?

The map shows insurance prices in and around St. Joseph County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $566 per year within the county boundaries, with insurance premiums ranging from a high of $1,684 to a low of $1,118. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of St. Joseph County.

Pick the Best Car Insurance Company for You in St. Joseph County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the St. Joseph County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in St. Joseph County

For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $363 over the average St. Joseph County car insurance company.

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We use the average good driver, paying $74 per month, as our baseline for pricing in St. Joseph County. Travelers, Erie Insurance, and Clearcover are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for St. Joseph County drivers with accidents on their records

In St. Joseph County getting into an accident will raise premiums an average 38% for a yearly cost of $2,023. That's $776 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $567 over the competition.

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The best car insurance company for St. Joseph County drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $460 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In St. Joseph County, tickets raise premiums on new quotes about $459. If you have a speeding ticket, we recommend State Farm, Auto-Owners Insurance, and Clearcover for savings that beat the average insurance cost of $1,707 per year.

The best auto insurance for St. Joseph County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,861 per year in auto insurance premiums, which was $613 more than a driver with no major issues. State Farm, Progressive, and Gainsco penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $325 less each year.

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The least expensive car insurance company for new and young drivers in St. Joseph County

In St. Joseph County, State Farm costs young drivers $652 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 65% more for insurance than more mature drivers in St. Joseph County. With an average cost of $3,526 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in St. Joseph County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $44. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in St. Joseph County.

State Farm gave the largest car insurance discounts to married couples, averaging $279 saved each year compared to an average St. Joseph County couple's premiums.

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The cheapest car insurance in St. Joseph County for drivers with bad credit

People with poor credit saved an average of $398 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $666 every year. Premiums for people with poor credit were about $1,914 in St. Joseph County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Auto-Owners Insurance.

The best St. Joseph County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In St. Joseph County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in St. Joseph County.

Nationwide was the best company for customer service in St. Joseph County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in St. Joseph County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in St. Joseph County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in St. Joseph County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 30% of St. Joseph County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average St. Joseph County driver can expect to pay about $78 per month.

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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 St. Joseph County, USAA has the best prices for young drivers, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and married couples.
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Auto Insurance Prices in and Around St. Joseph County

What Influences the Cost of Car Insurance in St. Joseph County?

On average, car insurance in St. Joseph County 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 county are influenced by the following factors:

  • The average commute time in St. Joseph County is 26 minutes, which is far less than average for a driver in the state.
  • Indiana state insurance regulations may allow for lower prices.
  • An average of 8 to 9 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in St. Joseph County are among the lowest 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.
  • St. Joseph County is a lightly populated area in the state. The county’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 St. Joseph County is $64 per month for minimum coverage and $104 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 Counties

Counties with Similar Populations

* Who is the average St. Joseph County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central St. Joseph County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.