Cheap Auto Insurance Quotes in Independence, MO (2021)

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The public transit system in Independence is minimal and there are few bike lanes, so most residents rely on their cars to run errands and get to work. Having a car insurance policy is therefore vital to getting around safely and legally in Independence.

Car Insurance in Independence, MO

The average cost of Missouri car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Independence, MO to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$68
$71
$114
$131
$153
Direct AutoAllstateState FarmTravelersProgressive
Monthly $

Cheapest Car Insurance in Independence, MO

Here are the cheapest carriers in Independence for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Independence, MO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Independence. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$142
$171
$149
$118
$135
$135
MissouriKansas CitySpringfieldColumbiaLees SummitIndependence
Monthly $

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Independence, MO Driving Facts

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Minimum Car Insurance Requirements in MO

All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Independence Car Insurance Rates by Driver Age

It can be quite expensive for young drivers to get behind the wheel in Independence, with those under age 20 paying about three times the rate of those in their 50s. This latter category of drivers gets to enjoy premiums of only $177 before prices begin to rise again. Motorists who reach their 70s tend to pay about the same as those in their 30s, proving that experience behind the wheel and quick reaction times can help to cut costs significantly.

Driving History
No Violation$248
Speeding Ticket$333
At-Fault Accident$312
Failure to Stop for Red Light / Stop Sign$495

Independence Car Insurance Rates by Driving and Accident History

Being vigilant on the road does more than just keep your driving record clean; it can also help you save money on your car insurance. Drivers without any violations to their name often pay an average of $247, while an at-fault accident adds roughly $64 to their rates. A speeding ticket further boosts prices to $332, and failing to stop at an intersection proves to be the most costly, with a rate spike to nearly $494.

Independence Car Insurance Rates by Credit Tier

While some cities take one’s credit score into consideration when calculating car insurance prices, Independence isn’t one of those places. Drivers will find that they pay almost the same price, no matter where their credit lies, with minor variations in rates between each credit tier. Motorists with excellent credit pay an average of $285, while those in the lowest credit bracket are charged around $260 for coverage. Those savings do add up over the course of time!

Independence, MO DMV Information

The Driver’s License and Vehicle Registration Office in Independence can help with all your registration and licensing needs, and many services are also offered online in Missouri. When it comes time to renew your registration, you’ll need proof of insurance. Luckily, it’s easy to get a policy online if you don’t already have one, and if you use Insurify to compare rates, you might be surprised how cheap your premiums can get.

Public Transportation in Independence, MO

IndeBus provides six routes around the city, but fewer than 0.5 percent of workers use the system to commute to work. The city is not very walkable, either, and only about 1 percent of residents commute to work on foot. But 87 percent of workers drive to work and an additional 7 percent carpool, commuting an average of 24 minutes to get there. If your car is out of commission or you can’t drive for another reason, you can rely on Uber, Lyft, or traditional taxi services in Independence, but these can be a pricey way to get around all the time. For most residents, it makes sense to have a car with an active auto insurance policy.

Conclusion: How to get the best and cheapest car insurance in Independence, MO

An estimated 14 percent of Missouri drivers forgo auto insurance. They face lost driving privileges in addition to a $500 fine and 15 days in jail if caught driving without insurance, but that’s nothing compared to the financial damage that could occur as a result of an accident.

Luckily, car insurance in Independence doesn’t have to break the bank. You could potentially save hundreds annually by switching providers. To keep your premiums low, check your customized quotes with Insurify at least once every six months. Our artificial intelligence technology makes it simple and quick to find the best deal for your coverage needs.

Find local Independence agents

Auto Insurance Discounters 
1312 S Noland Rd, Independence, MO 64055
I360 Insurance 
4200 Little Blue Pkwy, Independence, MO 64057-8312
Freeway Insuranc
3619 S Noland Rd, Independence, MO 64055
Affordable Auto Car Insurance In Independence, MO
201 N Main St, Independence, MO 64050
Shelter Insurance
218 W Maple Ave, Independence, MO 64050
Freeway Insurance
10503 E Independence Ave, Independence, MO 64053
Matrix Insurance
11201 US-24, Independence, MO 64054
Protection Insurance
1218 S Noland Rd, Independence, MO 64055
AAA
19210 East 39th St S Suite B, Independence, MO 64055
Metro Insurance Agencies
1429 S Noland Rd, Independence, MO 64055, 

Insurify Insights: How Independence Drivers Measure Up

chevrolet
Chevrolet Malibu
Most Popular Car in
Independence, MO
suspended licenses
#10
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Independence drivers measure up to their fellow Missouri motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Independence

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Independence drivers rank 15 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #15
  • Percent of drivers in Independence with an accident: 10.14%
  • Drivers in Independence, MO with an accident in their driving history paid on average 36.27% more than drivers with a clean record

Speeding Independence

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Independence drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Independence with a speeding ticket: 12.48%
  • Drivers in Independence, MO with a speeding ticket in their driving history paid on average 35.29% more than drivers with a clean record

DUI/DWIs Independence

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Independence drivers rank 17 in the number of DUI’s per driver across all cities in Missouri.

  • Rank within state: #17
  • Percent of drivers in Independence with a DUI: 2.22%
  • Drivers in Independence, MO with a DUI in their driving history paid on average 3.43% more than drivers with a clean record

Most Popular Vehicle Independence

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Independence is the Chevrolet Malibu.

Rude Independence

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Missouri, Independence drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Independence with a reckless driving violation: 2.16%
  • Drivers in Independence, MO with a reckless driving violation in their driving history paid on average 35.29% more than drivers with a clean record.

Safest Drivers Independence

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Independence drivers rank 8 in clean driving records across all cities in Missouri.

  • Rank within state: #8
  • Percent of drivers in Independence with clean record: 77.91%

Failure to Yield the Right of Way Independence

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Independence drivers rank 8 in failure to yield violations per driver across all cities in Missouri.

  • Rank within state: #8
  • Percent of drivers in Independence with a failure to yield violation: 0.3%
  • Drivers in Independence, MO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Independence

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Missouri, Independence drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank within state: #7
  • Percent of drivers in Independence with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Independence

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Independence drivers rank 15 in hybrid and electric vehicle ownership across all cities in Missouri.

  • Rank within state: #15
  • Percent of drivers in Independence with a hybrid/electric vehicle: 0.57%

FAQs - Independence, MO Car Insurance

How much does car insurance in Independence cost?

Auto insurance in Independence is generally affordable. The average cost is $135 per month, lower than the state and national averages, but many individual factors may impact your rate. Some providers are able to offer premiums as low as $68 per month to drivers with a clean record seeking minimum coverage.

Will my credit score impact my premium in Missouri?

In most cases, yes. In Missouri, most insurance providers use your credit information to determine your premium amount. You can expect to pay up to 138 percent more for car insurance than someone with excellent credit if you don’t have a credit history. But every insurance provider will weigh your credit information differently, so it’s a good idea to compare rates from multiple companies.

How much coverage should I buy for my car in Independence?

To drive legally in Missouri, you’ll need to carry at least: $25,000 per person and $50,000 per accident in bodily injury liability coverage $25,000 per accident in property damage liability coverage $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage If you have a loan or a lease, you’ll likely need full coverage. And even if you own your car outright, you may want to purchase full coverage to protect your finances if your car still has value.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.