Cheapest Auto Insurance in Independence, Missouri (2025)
State Farm offers the cheapest car insurance in Independence, with minimum-coverage policies as low as $36 per month.
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Written byMelanie Lockert
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Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDaniel Roccato
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Table of contents
The fifth-largest city in Missouri, Independence has a population of around 121,000 residents.[1] Its drivers pay $149 per month for car insurance on average, which exceeds the national average of $151 and the state average of $143. Despite the relatively small population, the city has a higher-than-average crime rate, which likely contributes to the city’s high auto premiums.
The cheapest insurers in the state include USAA, State Farm, and Allstate. Comparing quotes from multiple insurers is the best way to find cheap coverage.
Here’s what you should know about finding cheap auto insurance in Independence.
Quick Facts
Independence drivers pay $110 per month for liability and $188 for full-coverage insurance, on average.
Missouri operates under an at-fault system, which means the person responsible for a car accident must cover the other driver’s injury and damages.
Auto insurers in Missouri can consider your credit history when determining premiums.
Cheapest car insurance companies in Independence
You have a range of cheap car insurance options to choose from in Independence. What company works best for you will depend on your unique insurance needs and budget.
State Farm, Allstate, and USAA are three of the best insurers selling coverage in the city. Learn more about coverage options, pros and cons, and more below.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Average Monthly Quote | Average Annual Quote | Best for |
|---|---|---|---|---|
| State Farm | 4.4 | $40 | $480 | Liability-only coverage |
| Allstate | 4.1 | $54 | $648 | Teen drivers |
| USAA | 4.3 | $33 | $396 | Military community |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $68/mo |
4.2
Best choiceBased on 10,174 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,605)
Charlotte
March 24, 2025
Verified Review
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
They don't seem too thrilled to have your business. I've never filed a claim, and when I ask for information about my policies, they aren't very helpful. This might just be my specific agent, as I've never had to contact State Farm directly. I always feel like I'm bothering them whenever I reach out.
David
March 24, 2025
Verified Review
Good
They're just alright, but they keep increasing my insurance for no apparent reason.
Troy
March 24, 2025
Verified Review
Unjustified Increases
I don't appreciate the continuous increases without any reason or explanation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers the cheapest average liability insurance coverage available to all drivers in Independence. For drivers who want more protection, the company offers competitively priced full-coverage car insurance. The company also offers savings for bundling your car and home insurance. It advertises potential savings of up to $1,073 for bundling these insurance policies.
Pros
Low rates
Bundling discounts available
AM Best financial strength rating of A++ (Superior)
Cons
Agents can only sell State Farm insurance
Poor customer rating on Trustpilot
Gap insurance not available
Best insurer for teen drivers: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |
4.0
Best choiceBased on 6,251 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,394)
Larry
March 24, 2025
Verified Review
Horrible with the Claims Department
Dealing with the claims department was the worst. The catastrophe team is horrible. The agent was fine but could only do so much with the claims portion.
Robert
March 24, 2025
Verified Review
Concern
They communicate well with claims and show concern about your well-being. However, I'm not sure how they can save you money.
Dave
March 24, 2025
Verified Review
Disappointed with Allstate
I'm frustrated with Allstate because they significantly increase your premium if you file a claim. They even try to convince you that your discounts are greater than your payment, which is not true.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Teens in Independence should consider Allstate insurance agency for car insurance coverage because of its helpful smart-student discount. The company offers affordable liability and full-coverage options, so you can still enjoy low rates if you want more protection.
Pros
Smart-student discount available for teens
Low rates
Highly rated mobile app
Cons
Agents can only sell Allstate insurance
Below-average customer satisfaction ranking from J.D. Power
Some online complaints about responsiveness
Best insurer for military community: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $30/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $58/mo |
4.9
Best choiceBased on 1,833 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,055)
Charles
March 24, 2025
Verified Review
An Irritated Customer at CD
The pricing settlement for older vehicles in good condition is very poor. As a master technician, I keep my vehicles in excellent condition. However, when I had an accident, my high-mileage vehicle was undervalued, not considering its mechanical condition. Despite replacing most of the drivetrain components, suspension parts, and the A/C & heating components, my vehicle was valued thousands of dollars less. I was denied the proper settlement I was due. I repaired all the damage post-accident, finished the cosmetic issues, and even repainted the entire vehicle. I sent pictures to claims to verify the upgraded condition. Unfortunately, it seems most insurance companies use similar tactics to obtain a good salvage price, and they are quick to total vehicles, thereby robbing their customers of the true value. Apart from not having a local agent to discuss these issues, I remain a customer of USAA, even after they raised my homeowners insurance by over $2500 in one increase. This is a tough pill to swallow on a fixed income.
Philip
March 23, 2025
Verified Review
Fair
Every couple of years, they raise the premiums and lower the coverage.
Shandra
March 21, 2025
Verified Review
Helpful in Difficult Times
When I was 22, I was hit by a drunk driver. They assisted me in overcoming that difficult situation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Independence has a veterans’ hall in the Truman Memorial Building to commemorate residents who served in the military. For current and former military members — and their families — in Independence, USAA provides the best car insurance rates. The company offers low rates for liability and full-coverage insurance and has specific discounts tailored to the military community.
Pros
Low liability-only rates
On-base military discount available
AM Best financial strength rating of A++ (Superior)
Cons
Only available to military community
Poor rating on Trustpilot
Gap insurance not available
How to get the cheapest car insurance in Independence
Car insurance rates vary based on your driving record and insurance company. To find the cheapest car insurance in Independence for your needs, use the following tips:
Review many options. Check out multiple insurance companies and compare discounts, coverage types, and quotes.
Bundle multiple policies. Many companies offer discounts for bundling multiple policies. For example, you can save on coverage by getting an auto insurance policy and a homeowners insurance policy from the same company.
Increase your deductible. To decrease your auto insurance premiums, you can increase your deductible in exchange for lower premiums. This does mean you’ll have to pay more out of pocket if you file a claim.[2]
Find Car Insurance in Independence, Missouri
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Cheapest liability-only car insurance in Independence: State Farm
Like most states, Missouri requires drivers to carry minimum levels of liability coverage. Liability-only insurance provides limited protection for your vehicle. Essentially, it only covers your liability and pays out for damages or injury to the other driver.[3] Because liability-only insurance provides less financial protection than full coverage, it's best for drivers who own their vehicles outright, and who drive older, less-expensive cars.
The cheapest insurer for liability-only car insurance in Independence is State Farm, with an average cost of $36 per month. Find more of the cheapest liability-only car insurance options in Independence below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| Allstate | $49 |
| GEICO | $53 |
| American Family | $61 |
| Progressive | $73 |
| Clearcover | $76 |
| Shelter | $81 |
| Nationwide | $85 |
| Auto-Owners | $88 |
| Travelers | $89 |
| Root | $89 |
| Safeco | $94 |
| Direct Auto | $94 |
| National General | $98 |
| Bristol West | $124 |
| Dairyland | $127 |
| GAINSCO | $136 |
| Foremost | $140 |
| The General | $141 |
| AssuranceAmerica | $151 |
| Liberty Mutual | $174 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Independence: State Farm
Full-coverage insurance typically includes the liability insurance mandated by your state as well as collision and comprehensive coverage. Drivers in Independence should consider full-coverage insurance for additional benefits and safeguards in a variety of situations. If you finance or lease your car, your lender may even require you to purchase it.
On average, drivers pay $188 per month for full-coverage insurance in the city. Here are the best options for full-coverage car insurance in Independence.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $68 |
| Allstate | $93 |
| GEICO | $101 |
| American Family | $116 |
| Progressive | $141 |
| Shelter | $153 |
| Clearcover | $154 |
| Safeco | $162 |
| Nationwide | $163 |
| Auto-Owners | $169 |
| Travelers | $170 |
| Root | $174 |
| Direct Auto | $182 |
| National General | $197 |
| Liberty Mutual | $301 |
| The General | $314 |
| Bristol West | $324 |
| GAINSCO | $335 |
| Foremost | $362 |
| Dairyland | $393 |
| AssuranceAmerica | $456 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Independence, Missouri
Recent Independence, Missouri car insurance prices for GMC, Lexus, Buick , and more.
*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
Missouri has an at-fault system, which means the driver responsible for the car accident must cover the other party’s related vehicle repairs and medical expenses. Because Missouri is a “pure comparative fault” state, how much a driver can get for damages depends on their percentage of fault in the accident.[4]
In the state of Missouri, all drivers must carry minimum levels of bodily injury and property damage liability car insurance.[5] Here are the specific coverage limits drivers in the state must adhere to:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to the required coverage in Missouri, you may want to purchase optional coverage to provide more vehicle protection:
Collision coverage
If you have an accident or collide with an object, like a telephone pole, collision coverage can pay for damage to your vehicle.
Comprehensive coverage
Other events outside of accidents can cause damage to your car, such as fires, theft, floods, and more. Comprehensive coverage helps pay for damages from non-collision events.
Underinsured/uninsured motorist coverage
Underinsured/uninsured motorist coverage protects you if you have an accident with a driver who doesn’t have the proper or sufficient coverage by law. It helps you avoid paying for your damages out of pocket.
Cheapest car insurance for drivers with an incident
Driving incidents can range in severity from minor moving violations and speeding tickets to at-fault accidents and DUIs. The higher the risk you pose, the more you’ll pay for auto coverage. When you have incidents on your record, insurance companies may think you’re more likely to file a claim.[6]
How much your premium will increase depends on the severity of your incident and whether you have other recorded violations. On average, Independence drivers with an incident pay $190 per month for car insurance.
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Best cheap car insurance for drivers with a speeding ticket: USAA
Driving within the speed limit is a key component of safe driving. Going beyond the stated limit can reduce your reaction time and increase the likelihood of an accident. If caught by law enforcement, you could get a speeding ticket, which can result in fines and increased car insurance rates. Insurance companies assess risk, and driving too fast puts everyone in danger.
Independence drivers with a past speeding ticket pay $213 per month for car insurance, on average. Review these insurance companies to find your cheapest coverage options.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $30 | $40 |
| State Farm | $36 | $47 |
| Allstate | $49 | $65 |
| GEICO | $53 | $70 |
| American Family | $61 | $81 |
| Progressive | $73 | $96 |
| Clearcover | $76 | $100 |
| Shelter | $81 | $112 |
| Nationwide | $85 | $113 |
| Auto-Owners | $88 | $118 |
| Travelers | $89 | $118 |
| Root | $89 | $127 |
| Safeco | $94 | $126 |
| Direct Auto | $94 | $125 |
| National General | $98 | $129 |
| Bristol West | $124 | $165 |
| Dairyland | $127 | $167 |
| GAINSCO | $136 | $191 |
| Foremost | $140 | $197 |
| The General | $141 | $193 |
| AssuranceAmerica | $151 | $196 |
| Liberty Mutual | $174 | $244 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best cheap car insurance for drivers with an at-fault accident: USAA
Car accidents can cause property damage, injury, or death. If you cause an accident, your car insurance company will increase your rates because you demonstrate an elevated amount of risk.
On average, drivers in Independence with an at-fault accident on their record pay $225 per month. You can find the cheapest car insurance quotes from the following companies.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $30 | $42 |
| State Farm | $36 | $50 |
| Allstate | $49 | $68 |
| GEICO | $53 | $74 |
| American Family | $61 | $85 |
| Progressive | $73 | $103 |
| Clearcover | $76 | $115 |
| Shelter | $81 | $119 |
| Nationwide | $85 | $119 |
| Auto-Owners | $88 | $123 |
| Travelers | $89 | $124 |
| Root | $89 | $134 |
| Safeco | $94 | $134 |
| Direct Auto | $94 | $134 |
| National General | $98 | $135 |
| Bristol West | $124 | $173 |
| Dairyland | $127 | $175 |
| GAINSCO | $136 | $181 |
| Foremost | $140 | $205 |
| The General | $141 | $201 |
| AssuranceAmerica | $151 | $203 |
| Liberty Mutual | $174 | $255 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best cheap car insurance for drivers with a DUI: USAA
Driving requires focus and quick reflexes. Drinking alcohol or taking other substances affects your ability to drive safely. That’s why driving under the influence — or as Missouri refers to it, driving while intoxicated (DWI) — is such a big deal.
Getting a first DUI/DWI can lead to a license suspension for 90 days. Consequences increase in severity for additional convictions.[7] Because driving while intoxicated puts all drivers at risk of injury or death, a DUI/DWI conviction can lead to significant rate increases.
If you’re a driver in Independence and have a DWI, you may need to look for coverage elsewhere. Here are the cheapest car insurance options for drivers with a DUI. On average, drivers with a past conviction pay $254 per month.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $30 | $50 |
| State Farm | $36 | $60 |
| Allstate | $49 | $82 |
| GEICO | $53 | $88 |
| American Family | $61 | $102 |
| Progressive | $73 | $122 |
| Clearcover | $76 | $127 |
| Shelter | $81 | $123 |
| Nationwide | $85 | $142 |
| Auto-Owners | $88 | $147 |
| Travelers | $89 | $148 |
| Root | $89 | $135 |
| Safeco | $94 | $151 |
| Direct Auto | $94 | $157 |
| National General | $98 | $163 |
| Bristol West | $124 | $207 |
| Dairyland | $127 | $212 |
| GAINSCO | $136 | $227 |
| Foremost | $140 | $233 |
| The General | $141 | $235 |
| AssuranceAmerica | $151 | $252 |
| Liberty Mutual | $174 | $290 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age affects how much you pay for car insurance. Senior drivers generally get some of the most affordable coverage, and around 17.9% of people in Independence are age 65 or older. Beginning at age 35, rates trend downward for drivers. However, drivers age 70 and older may face increased rates from insurers accounting for aging-related risk factors.[8]
Here are the cheapest car insurance options for seniors in Independence. Senior drivers pay an average of $114 per month for coverage.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $23 | $44 |
| State Farm | $27 | $50 |
| Allstate | $38 | $71 |
| GEICO | $40 | $77 |
| American Family | $46 | $87 |
| Progressive | $50 | $96 |
| Shelter | $57 | $108 |
| Nationwide | $60 | $116 |
| Clearcover | $64 | $130 |
| Travelers | $66 | $127 |
| Auto-Owners | $67 | $128 |
| Direct Auto | $70 | $135 |
| National General | $71 | $143 |
| Root | $73 | $142 |
| Safeco | $78 | $134 |
| Bristol West | $95 | $249 |
| Dairyland | $98 | $303 |
| Foremost | $108 | $278 |
| The General | $108 | $240 |
| GAINSCO | $109 | $268 |
| AssuranceAmerica | $110 | $334 |
| Liberty Mutual | $139 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best cheap car insurance for teens: USAA
In Independence, 22.9% of residents are younger than 18 years old. Unfortunately, young drivers pay the highest car insurance rates due to their lack of driving experience and tendency to engage in risky driving behaviors, like speeding, distracted driving, and higher rates of fatal car crashes.[9]
Teen drivers can find a few ways to earn cheaper coverage. Most insurers offer teenagers good student discounts for high school and college students who maintain a high GPA. Teens should also join their parents’ policy and complete an approved driver safety course to get the most competitive pricing.
Here are the cheapest car insurance options for teenagers in Independence. On average, teenagers in the city pay $289 per month.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $55 | $107 |
| State Farm | $68 | $128 |
| GEICO | $94 | $178 |
| Allstate | $96 | $182 |
| American Family | $114 | $217 |
| Progressive | $137 | $265 |
| Shelter | $146 | $275 |
| Root | $146 | $284 |
| Clearcover | $148 | $301 |
| Auto-Owners | $159 | $305 |
| Nationwide | $164 | $314 |
| Travelers | $175 | $334 |
| Direct Auto | $186 | $361 |
| Safeco | $196 | $337 |
| National General | $205 | $413 |
| Dairyland | $218 | $674 |
| Bristol West | $226 | $590 |
| The General | $243 | $541 |
| GAINSCO | $252 | $621 |
| Foremost | $269 | $695 |
| AssuranceAmerica | $292 | $881 |
| Liberty Mutual | $319 | $551 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Independence car insurance quotes by credit tier
In Missouri, auto insurance companies can use your credit history as a risk factor when setting rates.[10]
Drivers with good or excellent typically earn the best rates. Independence drivers with poor credit scores pay more than twice as much for car insurance than drivers with excellent credit. Here are the average rates for full-coverage insurance by credit tier in Independence.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Independence?
Drivers in Independence pay $149 per month for car insurance, which exceeds the national average of $151 per month. It’s also higher than the Missouri state average of $143 per month.
Additionally, most cities in Missouri — besides St. Louis — have more affordable car insurance rates than Independence. Costs fluctuate based on ZIP code, population density, and crime rates. Independence has higher-than-average crime rates, which may explain the city’s more expensive premiums.
More cities in Missouri
Car insurance in Independence tends to cost more than many other cities in Missouri. Joplin has the most affordable coverage in the state, with the biggest price difference compared to Independence. See average rates for different Missouri cities below.
City | Average Monthly Quote |
|---|---|
| Cape Girardeau | $166 |
| Columbia | $178 |
| Jefferson City | $174 |
| Joplin | $161 |
| Kansas City | $218 |
| St. Louis | $285 |
| Springfield | $173 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Independence car insurance FAQs
Before you start shopping around for car insurance, you should decide how much coverage you need. The information below should answer any of your remaining questions and help you navigate the process of buying car insurance in Independence.
How much is car insurance in Independence?
The overall cost of car insurance in Independence is $149 per month. Drivers in the city pay $110 per month for liability coverage and $188 for full-coverage insurance, on average.
What company has the cheapest car insurance in Independence?
State Farm has the cheapest car insurance in Independence. On average, drivers pay $36 per month for liability coverage from State Farm. The best way to find the cheapest coverage for your insurance needs is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Independence?
With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and solid customer satisfaction rankings from J.D. Power, State Farm is the best car insurance company in Independence. Other top insurers include Allstate and USAA.
What are Missouri’s minimum requirements for auto insurance?
Drivers in Missouri must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.
Is it illegal to not have car insurance in Missouri?
Yes. It’s illegal not to have car insurance in the state. Failure to provide proof of insurance can result in points on your record, court-ordered supervision, or license suspension.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- United States Census Bureau. "QuickFacts Independence city, Missouri."
- Insurance Information Institute. "Understanding your insurance deductibles."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Missouri Department of Insurance. "Auto Insurance FAQs."
- Missouri Department of Revenue. "Insurance Information."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Missouri Department of Revenue. "Driving While Intoxicated (DWI)."
- National Highway Traffic Safety Administration. "Older Drivers."
- Centers for Disease Control and Preventio. "Teen Drivers and Passengers: Get the Facts."
- Missouri Department of Insurance. "Auto Credit Scoring."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Licensed auto and home insurance agent
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.