Cheapest Auto Insurance in Independence, Missouri (2023)

State Farm has the lowest liability-only rates available to all Independence drivers, starting at $40 per month.

Melanie Lockert
Written byMelanie Lockert
Melanie Lockert
Melanie Lockert
  • 10+ years writing on personal finance topics

  • 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 Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated November 30, 2023 at 11:00 AM PST

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The fifth-largest city in Missouri, Independence has a population of around 121,000 residents.[1] Its drivers pay $181 per month for car insurance on average, which exceeds the national average of $155 and the state average of $159. Despite the relatively small population, the city has a higher-than-average crime rate, which likely causes 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 $114 per month for liability and $248 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly QuoteAverage Annual QuoteBest for
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 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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for liability-only coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$40/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.
$74/mo

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

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Best insurer for teen drivers: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$55/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.
$100/mo

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

Handled a claim ok, but they keep raising my price every 6 months.

Brigitte - September 13, 2023
Verified

Failure to allow me to reinstate my overage.

Joseph - September 9, 2023
Verified

Poor service. Hard to access online accounts.

Peter - September 3, 2023
Verified
Read our Allstate review

Best insurer for military community: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$34/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.
$63/mo

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

They are the best in customer service.

Brenda - September 13, 2023
Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

Great operation since I was a Lt.

raymond - September 7, 2023
Verified
Read our USAA review

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]

The cheapest insurer for liability-only car insurance in Independence is State Farm, with an average cost of $40 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, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm40
Allstate55
GEICO59
Safeco64
American Family67
Clearcover80
Progressive82
Shelter90
State Auto91
Nationwide96
Auto-Owners98
Liberty Mutual99
Travelers99
Dairyland100
Midvale Home & Auto104
GAINSCO107
Direct Auto108
AssuranceAmerica121
The General121
Bristol West148
Foremost167
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: USAA

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 $248 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, November 30 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm74
Allstate100
GEICO109
American Family126
Clearcover140
Safeco146
Progressive153
Travelers159
Nationwide162
Shelter166
Auto-Owners183
Direct Auto191
Midvale Home & Auto191
Liberty Mutual220
AssuranceAmerica232
Dairyland237
State Auto239
GAINSCO246
Foremost263
The General289
Bristol West405
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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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:

CoverageMinimum 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:

  • 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 $242 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 $256 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, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding Ticket
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 $267 per month. You can find the cheapest car insurance quotes from the following companies.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Accident
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 $303 per month.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith DUI
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 75 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 $117 per month for coverage.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
USAA2445
State Farm2751
Allstate3972
GEICO4177
American Family4788
Safeco49111
Progressive5195
Shelter56104
State Auto62162
Nationwide64108
Clearcover67117
Auto-Owners69128
Travelers69111
Dairyland72172
Direct Auto72128
Liberty Mutual72160
Midvale Home & Auto73134
GAINSCO77177
AssuranceAmerica86165
The General90216
Bristol West106289
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 experience driving and additional risk factors, 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. Teens should also join their parents’ policy to get the most competitive pricing.

Here are the cheapest car insurance options for teenagers in Independence. On average, teenagers in the city pay $336 per month.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
USAA57106
State Farm69128
GEICO94174
Allstate98178
American Family116218
Safeco117267
Clearcover146256
Progressive151282
Shelter157290
Dairyland166393
Nationwide166280
State Auto166437
Auto-Owners168314
Liberty Mutual177394
Midvale Home & Auto179329
Travelers181291
GAINSCO197453
The General197470
Direct Auto198350
AssuranceAmerica229439
Bristol West251686
Foremost305481
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.

Find Car Insurance in Independence

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Independence car insurance quotes by credit tier

In Missouri, auto insurance companies can use your credit score 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 $181 per month for car insurance, which exceeds the national average of $155 per month. It’s also higher than the Missouri state average of $159 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.

CityAverage Monthly Quote
Cape Girardeau$213
Columbia$204
Jefferson City$185
Joplin$168
Kansas City$249
St. Louis$304
Springfield$186
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 $181 per month. Drivers in the city pay $114 per month for liability coverage and $248 for full-coverage insurance, on average.

  • What company has the cheapest car insurance in Independence?

    USAA has the cheapest car insurance in Independence. On average, drivers pay $34 per month for liability coverage from USAA. 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
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." Accessed September 13, 2023
  2. Insurance Information Institute. "Understanding your insurance deductibles." Accessed September 13, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed September 13, 2023
  4. Missouri Department of Insurance. "Auto Insurance FAQs." Accessed September 13, 2023
  5. Missouri Department of Revenue. "Insurance Information." Accessed September 13, 2023
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed September 13, 2023
  7. Missouri Department of Revenue. "Driving While Intoxicated (DWI)." Accessed September 13, 2023
  8. National Highway Traffic Safety Administration. "Older Drivers." Accessed September 13, 2023
  9. Centers for Disease Control and Preventio. "Teen Drivers and Passengers: Get the Facts." Accessed September 13, 2023
  10. Missouri Department of Insurance. "Auto Credit Scoring." Accessed September 13, 2023
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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