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.”

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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.

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Updated May 29, 2024

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Cheapest recent rates near Independence, Missouri

Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $67/mo for full coverage in Independence and other Missouri cities.

*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The fifth-largest city in Missouri, Independence has a population of around 121,000 residents.[1] Its drivers pay $192 per month for car insurance on average, which exceeds the national average of $160 and the state average of $171. 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 $122 per month for liability and $262 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.
  • Our editorial team spent 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. 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.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.6
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.
$39/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.
$75/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 our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

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.
4.4
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.
$52/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

Read our Allstate review
Sandra - May 29, 2024
Verified

Discussed with Auto Insurance Supplier

It's extremely expensive, even though I have no points against my driver's license. I've never had an accident that was my fault, and I even have renters insurance included. Plus, I have great credit!

David - May 29, 2024
Verified

Upset!

I have sent numerous emails about my rates being raised and no one has gotten back to me! I am currently looking for another company.

Robert F - May 29, 2024
Verified

Upset and shocked

I'm not happy with Allstate since they raised my premium to $282 from $166 through no fault of my own. It was a woman from Delaware who rear-ended me very hard and she had no insurance at the time. I am disgusted with them.

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.
4.7
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.
$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.
$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

Read our USAA review
Jacqueline - May 28, 2024
Verified

Experience was fine other than the security issue

The only reason I'm looking for automobile insurance is because USAA canceled my policy on the 24th. I no longer have the phone that is in my profile and they were unable to send the 6-digit code for verification. So, basically, I was and still am locked out of my account. The representatives couldn't discuss my account with me due to strict security.

Joey - May 27, 2024
Verified

Bait and Switch at Its Worst

After receiving a quote of $54 for the first payment, and $40+ per month, Suzi insisted on 'reviewing' the answers I submitted online. She took this opportunity to add coverage I didn't request or want. When she finished, her offer was over $200/month. No thanks, 'Suzi'.

Mary - May 26, 2024
Verified

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

USAA has been very good, but recently my vehicle insurance premiums have significantly increased. I am struggling financially, so I have been trying to find a less expensive policy.

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 $39 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, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm39
Allstate52
GEICO57
American Family66
Safeco70
Clearcover77
Progressive79
Shelter87
Nationwide92
Auto-Owners95
Travelers96
State Auto97
Midvale Home & Auto100
Liberty Mutual104
Direct Auto106
National General116
GAINSCO117
AssuranceAmerica125
The General125
Dairyland127
Bristol West151
Foremost174
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 $262 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, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm75
Allstate100
GEICO111
American Family126
Safeco131
Clearcover153
Progressive153
Shelter166
Nationwide172
Midvale Home & Auto181
Auto-Owners183
Travelers184
State Auto218
Liberty Mutual234
Direct Auto243
AssuranceAmerica246
National General267
GAINSCO280
The General309
Foremost384
Dairyland394
Bristol West423
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.

How Much Other Insurify Customers Pay in and around Independence, Missouri

Drivers in and around Independence, Missouri have found policies from Safeco, Direct Auto, Progressive, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 $259 per month for car insurance.

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Best cheap car insurance for drivers with a speeding ticket: USAA

Driving within the speed limit is a key component of safe driving. Going beyond the stated limit can reduce your reaction time and increase the likelihood of an accident. If caught by law enforcement, you could get a speeding ticket, which can result in fines and increased car insurance rates. Insurance companies assess risk, and driving too fast puts everyone in danger.

Independence drivers with a past speeding ticket pay $278 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, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA3242
State Farm3951
Allstate5268
GEICO5775
American Family6686
Safeco7093
Clearcover77102
Progressive79103
Shelter87118
Nationwide92121
Auto-Owners95124
Travelers96126
State Auto97138
Midvale Home & Auto100135
Liberty Mutual104150
Direct Auto106140
GAINSCO117168
AssuranceAmerica125167
The General125165
Dairyland127167
Bristol West151196
Foremost174250
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 $287 per month. You can find the cheapest car insurance quotes from the following companies.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA3244
State Farm3953
Allstate5271
GEICO5778
American Family6690
Safeco7092
Clearcover77112
Progressive79110
Shelter87123
Nationwide92127
Auto-Owners95129
Travelers96132
State Auto97146
Midvale Home & Auto100144
Liberty Mutual104155
Direct Auto106148
GAINSCO117155
AssuranceAmerica125171
The General125174
Dairyland127173
Bristol West151203
Foremost174259
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 $325 per month.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA3254
State Farm3966
Allstate5288
GEICO5796
American Family66111
Safeco70118
Clearcover77130
Progressive79133
Shelter87147
Nationwide92155
Auto-Owners95160
Travelers96162
State Auto97164
Midvale Home & Auto100169
Liberty Mutual104175
Direct Auto106179
GAINSCO117197
AssuranceAmerica125211
The General125211
Dairyland127214
Bristol West151255
Foremost174293
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 $131 per month for coverage.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA2345
State Farm2753
Allstate3873
GEICO4180
American Family4789
Progressive5199
Safeco5196
Shelter55105
Clearcover56111
Nationwide62116
Auto-Owners68130
State Auto68152
Travelers68131
Midvale Home & Auto69124
Direct Auto74169
Liberty Mutual74167
AssuranceAmerica86169
GAINSCO87208
Dairyland92287
The General93231
Bristol West110308
Foremost123272
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 $350 per month.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA53105
State Farm66128
GEICO90176
Allstate92176
American Family116222
Progressive144279
Safeco147275
Clearcover151299
Shelter151288
Nationwide158296
Auto-Owners165317
State Auto173388
Travelers174333
Midvale Home & Auto175317
Direct Auto195446
Liberty Mutual195438
The General204504
GAINSCO211504
Dairyland215666
AssuranceAmerica233459
Bristol West259725
Foremost310684
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Independence car insurance quotes by credit tier

In Missouri, auto insurance companies can use your credit 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 $192 per month for car insurance, which exceeds the national average of $160 per month. It’s also higher than the Missouri state average of $171 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$216
Columbia$216
Jefferson City$200
Joplin$197
Kansas City$291
St. Louis$351
Springfield$211
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 $192 per month. Drivers in the city pay $122 per month for liability coverage and $262 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
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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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