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Cheapest Auto Insurance in Independence, Missouri (2025)

Progressive offers the cheapest car insurance in Independence, with minimum-coverage policies as low as $68 per month.

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Cheapest recent rates near Independence, Missouri

Recent Independence, Missouri car insurance prices for GMC, Toyota, Hyundai , and more.

*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on October 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 October 16, 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 October 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 October 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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The fifth-largest city in Missouri, Independence has a population of around 121,000 residents.[1] Its drivers pay $150 per month for car insurance on average, which exceeds the national average of $140 and the state average of $132. 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, Progressive, and State Farm. 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 $190 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
sort ascsort desc
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.
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Average Annual Quote
sort ascsort desc
Best for
sort ascsort desc
State Farm4.4$40$480Liability-only coverage
Allstate4.1$54$648Teen drivers
USAA4.3$33$396Military community
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
4.0
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.
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.
$77/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.
$128/mo
4.0
Best choiceBased on 11,969 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 (6,291)
Jane
Verified Review
Very disappointed
Reviewed in Wisconsin on October 2025
They have priced me out. Since I moved, it's way too expensive.
Ben
Verified Review
Agent is within 7 miles of my house, good service and prices
Reviewed in Georgia on October 2025
I found State Farm with the coverage I wanted on my home and two vehicles at a better price than most.
Cathy
Verified Review
Insurance rates too high to afford
Reviewed in Kentucky on October 2025
The commission fees are exorbitant, which leads to customer rates being extremely high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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
3.9
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.
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.
$105/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.
$175/mo
3.9
A solid optionBased on 7,307 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 (3,804)
Robert
Verified Review
Allstate review
Reviewed in North Carolina on October 2025
Excellent service. Getting to be a bit pricey, however. Thinking about a switch.
Jeremy
Verified Review
Esurance vs Allstate: Still One Company
Reviewed in Kansas on October 2025
My customer service representative was based in the United States and was extremely friendly and helpful. You will never get that from Esurance.
Desiree
Verified Review
Unhappy customer
Reviewed in Illinois on October 2025
Allstate was too expensive for my family.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
A.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.
9.1 /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.
$66/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.
$109/mo
4.9
Best choiceBased on 2,258 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 (1,259)
William
Verified Review
Can't win for losing.
Reviewed in New York on October 2025
They are the cheapest of all, if you qualify. All auto insurance rates are untenable since the border situation.
Janis
Verified Review
Bri and Me
Reviewed in Texas on October 2025
Bri was unusually competent, friendly, and willing to help me understand the situation with my USAA insurance cost increases.
Lawrence
Verified Review
Excellent
Reviewed in Texas on October 2025
Always had a good experience when dealing with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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: Progressive

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 Progressive, with an average cost of $68 per month. Find more of the cheapest liability-only car insurance options in Independence below.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Progressive$68
State Farm$77
Root$92
Safeco$101
National General$101
Allstate$105
Bristol West$108
Direct Auto$109
Clearcover$115
GEICO$115
Dairyland$124
American Family$131
GAINSCO$133
The General$139
AssuranceAmerica$157
Shelter$173
Nationwide$184
Auto-Owners$190
Travelers$192
Liberty Mutual$194
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $190 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: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$128
Progressive$149
Allstate$175
Safeco$176
GEICO$191
National General$193
Direct Auto$210
Root$211
Clearcover$216
American Family$218
Bristol West$267
Shelter$289
Liberty Mutual$305
The General$305
Nationwide$307
Auto-Owners$317
GAINSCO$319
Travelers$319
Dairyland$415
AssuranceAmerica$483
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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, Scion, Chevrolet , and more.

*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on October 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 October 16, 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 October 16, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 October 16, 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
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Minimum Requirements
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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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $175 per month for car insurance.

Find Cheap Car Insurance After an Incident

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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 $185 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: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$66$83
Progressive$68$84
State Farm$77$95
Root$92$120
Safeco$101$131
National General$101$125
Allstate$105$132
Bristol West$108$134
Direct Auto$109$136
Clearcover$115$149
GEICO$115$148
Dairyland$124$153
American Family$131$165
GAINSCO$133$158
The General$139$183
AssuranceAmerica$157$184
Shelter$173$225
Nationwide$184$232
Auto-Owners$190$240
Travelers$192$243
Liberty Mutual$194$242
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $195 per month. You can find the cheapest car insurance quotes from the following companies.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$66$86
Progressive$68$89
State Farm$77$99
Root$92$118
Safeco$101$139
National General$101$131
Allstate$105$136
Bristol West$108$140
Direct Auto$109$146
Clearcover$115$167
GEICO$115$144
Dairyland$124$162
American Family$131$171
GAINSCO$133$169
The General$139$189
AssuranceAmerica$157$189
Shelter$173$224
Nationwide$184$240
Auto-Owners$190$244
Travelers$192$251
Liberty Mutual$194$253
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive

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 $190 per month.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$66$90
Progressive$68$86
State Farm$77$105
Root$92$123
Safeco$101$148
National General$101$137
Allstate$105$143
Bristol West$108$147
Direct Auto$109$148
Clearcover$115$156
GEICO$115$151
Dairyland$124$169
American Family$131$178
GAINSCO$133$181
The General$139$189
AssuranceAmerica$157$213
Shelter$173$230
Nationwide$184$250
Auto-Owners$190$258
Travelers$192$261
Liberty Mutual$194$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $125 per month for coverage.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$53$88
Progressive$57$124
State Farm$60$100
Root$76$175
National General$78$149
Allstate$85$141
Safeco$87$152
Direct Auto$87$167
Bristol West$88$218
GEICO$90$150
Dairyland$100$336
Clearcover$100$187
American Family$103$172
GAINSCO$111$266
The General$114$250
AssuranceAmerica$120$369
Shelter$122$204
Nationwide$139$232
Auto-Owners$150$250
Travelers$151$251
Liberty Mutual$160$252
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $281 per month.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
USAA$123$203
Progressive$127$279
State Farm$150$249
Root$163$373
Bristol West$196$484
Clearcover$198$372
Safeco$204$355
National General$208$397
Allstate$209$349
Dairyland$209$699
GEICO$210$349
Direct Auto$217$418
The General$245$537
American Family$249$415
GAINSCO$253$607
AssuranceAmerica$320$984
Liberty Mutual$348$547
Shelter$351$586
Nationwide$363$605
Auto-Owners$372$620
Travelers$395$656
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $150 per month for car insurance, which exceeds the national average of $140 per month. It’s also higher than the Missouri state average of $132 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Cape Girardeau$156
Columbia$161
Jefferson City$140
Joplin$142
Kansas City$202
St. Louis$263
Springfield$162
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $150 per month. Drivers in the city pay $110 per month for liability coverage and $190 for full-coverage insurance, on average.

  • What company has the cheapest car insurance in Independence?

    Progressive has the cheapest car insurance in Independence. On average, drivers pay $68 per month for liability coverage from Progressive. 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 500+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. United States Census Bureau. "QuickFacts Independence city, Missouri."
  2. Insurance Information Institute. "Understanding your insurance deductibles."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Missouri Department of Insurance. "Auto Insurance FAQs."
  5. Missouri Department of Revenue. "Insurance Information."
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  7. Missouri Department of Revenue. "Driving While Intoxicated (DWI)."
  8. National Highway Traffic Safety Administration. "Older Drivers."
  9. Centers for Disease Control and Preventio. "Teen Drivers and Passengers: Get the Facts."
  10. Missouri Department of Insurance. "Auto Credit Scoring."
Melanie Lockert
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.

Katie Powers
Edited byKatie PowersSenior Editor
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Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

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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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • 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.

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