Cheapest Auto Insurance in Independence, Missouri (2024)

USAA offers the cheapest car insurance in Independence, with minimum-coverage policies as low as $32 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.”

Featured in

media logomedia logomedia logomedia logo
Katie Powers
Edited byKatie Powers
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.

Featured in

media logomedia logo

Updated July 25, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

The fifth-largest city in Missouri, Independence has a population of around 121,000 residents.[1] Its drivers pay $176 per month for car insurance on average, which exceeds the national average of $160 and the state average of $166. 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 $117 per month for liability and $235 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-ten 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.
  • 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 28,000 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

Compare personalized, real-time quotes
User Reviews
3.2
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.
$37/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.
$71/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

Read more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for teen drivers: Allstate

Compare personalized, real-time quotes
User Reviews
3.1
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.
$50/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.
$95/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

Read more driver reviews of Allstate
Michael - July 25, 2024
Verified

Extreme Increase without Warning for Veteran and Professional Driver

There was no warning or reason for the extreme increase in price within one year. There was no warning, no options to change to, and no contact from anyone. Just a new bill with a huge increase. As a veteran and a professional driver who takes the defensive driver's course every year, there is absolutely no reason for the increase.

Justo - July 24, 2024
Verified

Unreasonable Price

To me, everything is okay with Allstate except for the price of coverage.

Debra - July 24, 2024
Verified

Your prices are way too high. You need to cut it

I think your coverage for a single vehicle policy is too high.

Best insurer for military community: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
$32/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.
$59/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

Read more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

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

Insurify partners with 100+ top insurers for real-time quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $37 per month. Find more of the cheapest liability-only car insurance options in Independence below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$37
Allstate$50
GEICO$55
American Family$63
Clearcover$74
Progressive$76
Safeco$78
Shelter$83
Nationwide$88
Auto-Owners$91
State Auto$92
Travelers$92
Midvale Home & Auto$98
Direct Auto$99
Liberty Mutual$102
National General$106
AssuranceAmerica$120
Dairyland$120
GAINSCO$120
The General$123
Bristol West$144
Foremost$165
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 $235 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$71
Allstate$95
GEICO$105
American Family$120
Safeco$135
Progressive$145
Clearcover$153
Shelter$158
Nationwide$169
Auto-Owners$174
Travelers$175
Midvale Home & Auto$176
State Auto$209
Direct Auto$222
National General$223
Liberty Mutual$234
AssuranceAmerica$240
GAINSCO$289
The General$304
Foremost$352
Dairyland$376
Bristol West$406
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.

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 $236 per month for car insurance.

Find Cheap Car Insurance After an Incident

Insurify partners with 100+ top insurers for accurate quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $251 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: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA$32$42
State Farm$37$48
Allstate$50$65
GEICO$55$72
American Family$63$82
Clearcover$74$97
Progressive$76$99
Safeco$78$103
Shelter$83$112
Nationwide$88$115
Auto-Owners$91$119
State Auto$92$130
Travelers$92$120
Midvale Home & Auto$98$132
Direct Auto$99$129
Liberty Mutual$102$145
National General$106$137
AssuranceAmerica$120$159
Dairyland$120$157
GAINSCO$120$171
The General$123$162
Bristol West$144$186
Foremost$165$235
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 $264 per month. You can find the cheapest car insurance quotes from the following companies.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA$32$44
State Farm$37$51
Allstate$50$69
GEICO$55$76
American Family$63$86
Clearcover$74$108
Progressive$76$106
Safeco$78$104
Shelter$83$118
Nationwide$88$122
Auto-Owners$91$125
State Auto$92$138
Travelers$92$127
Midvale Home & Auto$98$142
Direct Auto$99$139
Liberty Mutual$102$152
National General$106$147
AssuranceAmerica$120$165
Dairyland$120$164
GAINSCO$120$159
The General$123$172
Bristol West$144$195
Foremost$165$246
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 $299 per month.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA$32$54
State Farm$37$63
Allstate$50$85
GEICO$55$93
American Family$63$107
Clearcover$74$125
Progressive$76$129
Safeco$78$132
Shelter$83$140
Nationwide$88$149
Auto-Owners$91$154
State Auto$92$156
Travelers$92$156
Midvale Home & Auto$98$166
Direct Auto$99$168
Liberty Mutual$102$173
National General$106$179
AssuranceAmerica$120$203
Dairyland$120$203
GAINSCO$120$203
The General$123$208
Bristol West$144$244
Foremost$165$279
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 $124 per month for coverage.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA$24$43
State Farm$27$51
Allstate$37$71
GEICO$41$77
American Family$45$86
Progressive$50$95
Shelter$54$102
Clearcover$55$114
Safeco$59$102
Nationwide$61$116
State Auto$65$147
Auto-Owners$66$126
Travelers$67$127
Midvale Home & Auto$69$124
Direct Auto$71$158
Liberty Mutual$76$174
National General$76$160
AssuranceAmerica$83$167
Dairyland$88$277
GAINSCO$92$221
The General$93$229
Bristol West$106$300
Foremost$119$254
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 $322 per month.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA$54$99
State Farm$63$122
GEICO$88$168
Allstate$89$168
American Family$111$212
Progressive$138$264
Shelter$144$274
Clearcover$145$300
Nationwide$152$293
Auto-Owners$158$302
Safeco$163$282
State Auto$165$375
Travelers$167$318
Midvale Home & Auto$171$307
Direct Auto$182$408
Liberty Mutual$189$434
The General$201$496
Dairyland$202$634
National General$206$434
GAINSCO$215$518
AssuranceAmerica$225$450
Bristol West$248$698
Foremost$296$631
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

Insurify partners with 100+ top insurers for quotes

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $176 per month for car insurance, which exceeds the national average of $160 per month. It’s also higher than the Missouri state average of $166 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$199
Columbia$211
Jefferson City$200
Joplin$187
Kansas City$279
St. Louis$335
Springfield$207
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 $176 per month. Drivers in the city pay $117 per month for liability coverage and $235 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 $32 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."
  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.

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.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all