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2024

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Best Local Car Insurance Agencies in Saint Joseph

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Saint Joseph Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

56

Reviewed

38

Curated

13

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3715 Beck Road, Saint Joseph, MO 64506
  • Bundling Option

Why choose this provider?

Believing that great insurance protection comes from having in-depth knowledge about insurance choices and risks, DeVoy-Baker Insurance is focused on providing multiple policy options to their clients through their access to multiple carriers. Serving the residents of Saint Joseph, the company assists individuals and business owners with its personal and commercial insurance. Offering auto insurance for vehicle owners, DeVoy-Baker Insurance's agents provides coverage for autos, boats, jet skis, motorcycles, RVs, and recreational vehicles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.2 / 5 (5)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3849 Frederick Avenue, Saint Joseph, MO 64506
  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Clear View Insurance Specialists is an agency that offers a wide range of products, including auto insurance, to clients in Saint Joseph. Its agents also craft plans for owners of recreational vehicles, boats, and motorcycles. Its team assesses customers' needs and gives them options from carriers such as Safeco Insurance, MetLife, Hagerty, The Hartford, and Foremost Insurance Group. Clear View Insurance Specialists is committed to establishing relationships with clients along with providing personalized service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (17)
Google
5.0 / 5 (14)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1802 Union Street, Saint Joseph, MO 64501
  • Multiple Carriers

Why choose this provider?

Tilton, Thomas, and Morgan has been servicing Saint Joseph's residents and the surrounding areas since 1946. The firm has partnered with national and international carriers to provide better coverages for its clients. It has policies for commercial and personal lines. For the car insurance policy, some of the coverages included are for any resulting damages to vehicles, property loss, and medical expenses. Tilton, Thomas, and Morgan handles and treats each client like royalty.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3603 Woodlawn Terrace, Saint Joseph, MO 64506
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Randy Wagers Insurance Agency is a family-owned and independent agency based in Saint Joseph that offers auto insurance solutions to individuals and families within the nearby areas. It works with multiple carriers such as Progressive, Safeco Insurance, Travelers, Allied Insurance, and Nationwide in providing customized insurance plans that are suited to the needs of the clients. These plans include collision, comprehensive, liability, and underinsured and uninsured motorist coverages. Randy Wagers Insurance Agency aims to establish a long-term relationship by providing personal attention to each client.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3510 Messanie Street, Saint Joseph, MO 64507
  • Bundling Option

Why choose this provider?

Gina Conaway is the owner of Conaway Insurance and Financial Services, Inc., a local car insurance provider representing State Farm in the Saint Joseph metro and nearby areas. In addition to offering personal and commercial auto insurance, she and her team of three insurance agents also provide property, life, and business insurance lines and are licensed to practice in both Missouri and Kansas. Conaway has over 20 years of experience in the industry.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (56)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2903 South Belt Highway, Saint Joseph, MO 64503
  • Multiple Carriers

Why choose this provider?

AIS, also known as Affordable Insurance Solutions, is a family-owned business that has been serving clients in the Saint Joseph area since 2007. The firm accommodates customers applying for a car policy regardless of their driving history and insurance records. Aside from auto insurance plans, it also offers various products to protect policy buyers' other valuable assets, such as motorcycles and commercial vehicles. As an exclusive service, AIS has 24-hour reinstatement options for clients with a suspended license.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (118)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1004 South Belt Highway, Saint Joseph, MO 64507
  • Multiple Carriers

Why choose this provider?

Buchanan County Mutual Insurance Co has been providing insurance products and services to residents of the Saint Joseph area since 1902. It offers comprehensive auto insurance policies and has a team of insurance specialists trained to optimize car insurance coverage options for maximum protection. Clients may also obtain homeowners' insurance and agriculture insurance packages through the agency. Additionally, the firm's insurance agents are available 24/7 for emergency services. Buchanan County Mutual Insurance Co is a member of Grinnell Mutual.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1807 South Belt Highway, Saint Joseph, MO 64507-2237
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Dickens Insurance Agency is an independent insurance agency based in Missouri that provides personal and commercial insurance lines to clients in the metro. The company has been part of the Saint Joseph community for over 35 years and it has been writing auto insurance policies that protect clients from liabilities, damages, and collisions. Dickens Insurance Agency is committed to getting the best policies for the clients' needs and budget and is partnered with top insurance providers such as Travelers and Progressive.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1401 Frederick Avenue, Saint Joseph, MO 64501
  • Multiple Carriers

Why choose this provider?

Benchmark Insurance Agency is an independent agency located in St. Joseph. It offers auto insurance policies that pay for losses incurred due to theft or property damage, bodily injury, and legal responsibility arising from car accidents. The firm's agents advocate for clients, even those with imperfect driving history, in finding the right policies and coverages. To do so, they shop for quotes from dozens of highly rated insurance carriers with which Benchmark Insurance Agency maintains relationships.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
401 North 13th Street, Saint Joseph, MO 64501
  • RV & Motorhome
  • Motorcyle & ATV

Why choose this provider?

St. Joseph Consolidated Insurance Services, Inc., is a team of independent agents that assists clients in several areas, including auto insurance. The professionals furnish protection plans that may cover losses in cases of injury, property damage, or loss. They have access to insurance policies from a wide range of carriers such as Dairyland, Progressive, and Safeco Insurance. The company, which has been in operation since 1989, was founded by Casey M. Bell, who has 25 years of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.5 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
4305 Frederick Avenue, Saint Joseph, MO 64506
  • Multiple Carriers

Why choose this provider?

Colman Insurance Services is a locally owned and operated insurance agency in St. Joseph. In business for more than 10 years, it offers a wide range of personal insurance products, including car insurance. Its professional associates present to clients extensive and diverse programs from multiple carriers to help them decide which type of coverage will protect them in the event of an automotive emergency. Colman Insurance Services can also help insure other vehicles, such as motorcycles, RVs, and boats.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
401 North 13th Street, Saint Joseph, MO 64501
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Consolidated Insurance Services is a company that offers auto insurance to clients located in the Saint Joseph area. As an independent agency, its team can help policy buyers find the best insurance deals from multiple carriers. They can also provide additional assistance when the client's needs change over time. Under Progressive, they can offer a variety of auto insurance coverage, including liability, comprehensive and collision, roadside assistance, and uninsured motorist. Additionally, they can bundle home and auto insurance products.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3110 Karnes Road, Saint Joseph, MO 64506
  • Multiple Carriers

Why choose this provider?

Dusty Summers Agency helps the residents of Saint Joseph prepare for uncertainties through its insurance plans. With over two decades of industry experience, the company carries insurance solutions for automobiles, classic cars, golf carts, recreational vehicles, and motorcycles. Its agents offer same-day car insurance services, working with multiple carriers such as Dairyland and Hagerty. Dusty Summers Agency also provides 24/7 client assistance and maintains an online resource center. Company president Dusty Summers started as a captive insurance agent in 2008 then proceeded to form an independent agency in 2013.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (15)
Google
4.7 / 5 (11)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Can you add someone who does not live with you to your Saint Joseph car insurance policy?

    Yes, if someone who does not live with you frequently drives your car, you should add them to your Saint Joseph auto insurance policy. You may have to pay more or less to add a driver to your auto insurance coverage depending on the driver's age and driving history, as well as other factors. For example, if you add a good teen driver to your policy, you may be eligible for a discount.

  • Can you renew your license plate in Saint Joseph without providing proof of auto insurance?

    No, you must provide proof of auto insurance when renewing your license plate and registering a car in Saint Joseph. The bare minimum of liability coverage in Saint Joseph is $50,000 for physical harm per accident, $25,000 per person for bodily injury, and $25,000 for each incident of property damage.

  • Does the color of your automobile have an impact on your Saint Joseph auto insurance rates?

    No, the color of your car has very little to no effect on the cost of your Saint Joseph auto insurance. Some of the more common variables used to calculate auto insurance premiums are your age, gender, marital status, location, the type of vehicle you drive, driving history, annual mileage, and credit score.

  • If your automobile is seized in Saint Joseph for driving without insurance, what happens to it?

    If your car was towed in Saint Joseph due to a lack of insurance, the lot owner will either auction it or scrap it, with the proceeds going toward your fines. Furthermore, even if the impound yard sells or shreds your vehicle, you are still liable for the outstanding debt. To avoid these occurrences, you should remove your vehicle from the impound lot as soon as possible.

  • Is the price you are quoted for Saint Joseph car insurance the total you will have to pay to be covered?

    No, keep in mind that Saint Joseph insurance companies will base their quotes on the information you provide. If you have everything prepared to purchase the policy, your quote may differ if the information is incorrect. Furthermore, auto insurance providers will investigate your traffic violations and insurance claim history, so the final cost of your car insurance coverage may vary.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

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