Compare Independence, CA Car Insurance Rates (2021)

Car insurance in Independence, CA averages $249 a month. Independence, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Independence car insurance rates, compare quotes from the top car insurance companies in Independence, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Independence, CA are $2,985/year
  • The cheapest car insurance company in Independence for teen drivers is Progressive
  • Average car insurance rates in Independence, CA after a DUI are $4,208/year

If you need to buy Independence, California car insurance, the options can be confusing. Everything you need to know about car insurance in Independence, CA is right here.

You’ll find Independence car insurance rates, the cheapest Independence, CA car insurance companies, and information on California car insurance laws. You can also compare Independence, California car insurance rates to Los Angeles car insurance rates, Sacramento car insurance rates, and Oakland car insurance rates.

Ready to find affordable Independence, CA car insurance today? Enter your ZIP code for fast, free Independence car insurance quotes.

Cheapest Independence, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Independence, CA car insurance rates? Every Independence, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Independence, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,499 $2,507 $1,820 $1,849 $6,883 $8,670 $3,233 $3,585
Farmers $1,815 $1,815 $1,628 $1,628 $5,732 $9,414 $2,144 $2,382
GEICO $1,599 $1,600 $1,504 $1,504 $4,858 $4,958 $2,296 $2,356
Liberty Mutual $2,019 $1,914 $1,877 $1,820 $4,410 $4,684 $2,278 $2,295
Nationwide $2,635 $2,517 $2,314 $2,183 $6,620 $7,321 $3,126 $3,088
Progressive $1,342 $1,381 $1,136 $1,348 $3,494 $4,223 $1,922 $2,066
State Farm $2,722 $2,722 $2,429 $2,429 $4,972 $6,170 $3,010 $3,103
Travelers $2,023 $1,966 $1,786 $1,769 $4,037 $4,601 $2,593 $2,549
USAA $1,776 $1,683 $1,736 $1,744 $4,018 $4,029 $2,449 $2,315

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Minimum Car Insurance in Independence, CA

Every driver must carry the minimum car insurance in Independence, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Independence, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Independence, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Independence, CA to rates for a clean record with top companies.

Annual Independence, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,336 $3,953 $6,168 $3,066
Farmers $2,454 $3,341 $4,166 $3,318
GEICO $1,809 $2,785 $3,500 $2,244
Liberty Mutual $2,311 $3,096 $2,793 $2,448
Nationwide $2,604 $3,336 $5,626 $3,336
Progressive $1,391 $2,344 $2,724 $1,996
State Farm $2,455 $2,930 $5,543 $2,851
Travelers $1,808 $2,891 $3,348 $2,615
USAA $1,642 $2,435 $3,999 $1,798

Cheapest Independence, CA Car Insurance for Teen Drivers

Teen car insurance in Independence, CA can be expensive. Take a look at rates from the top car insurance companies in Independence for teenagers.

Annual Car Insurance Rates for Teen Drivers in Independence, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,883 $8,670
Farmers $5,732 $9,414
GEICO $4,858 $4,958
Liberty Mutual $4,410 $4,684
Nationwide $6,620 $7,321
Progressive $3,494 $4,223
State Farm $4,972 $6,170
Travelers $4,037 $4,601
USAA $4,018 $4,029

Cheapest Independence, CA Car Insurance for Seniors

Take a look at Independence, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Independence, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,820 $1,849
Farmers $1,628 $1,628
GEICO $1,504 $1,504
Liberty Mutual $1,877 $1,820
Nationwide $2,314 $2,183
Progressive $1,136 $1,348
State Farm $2,429 $2,429
Travelers $1,786 $1,769
USAA $1,736 $1,744

Cheapest Independence, CA Car Insurance Rates After a DUI

A DUI in Independence, CA increases car insurance rates. Compare Independence, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Independence, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,168
Farmers $4,166
GEICO $3,500
Liberty Mutual $2,793
Nationwide $5,626
Progressive $2,724
State Farm $5,543
Travelers $3,348
USAA $3,999

Cheapest Independence, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Independence, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Independence, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,506 $4,255
Farmers $3,013 $3,626
GEICO $2,348 $2,821
Liberty Mutual $2,445 $2,879
Nationwide $3,293 $4,158
Progressive $1,923 $2,305
State Farm $3,319 $3,570
Travelers $2,407 $2,924
USAA $2,274 $2,663

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The Best Cheap Car Insurance Companies in Independence, CA

Take a look at a side-by-side comparison of the top car insurance companies in Independence, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Independence, California

Insurance Company Average Annual Rates
Allstate $3,881
Farmers $3,320
GEICO $2,584
Liberty Mutual $2,662
Nationwide $3,725
Progressive $2,114
State Farm $3,445
Travelers $2,665
USAA $2,469

Category Winners: Cheapest Car Insurance in Independence, California

Find the cheapest car insurance companies in Independence, CA for each category right here.

Best Annual Car Insurance Rates by Company in Independence, California

Category Insurance Company
Teenagers Progressive
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cheapest Independence, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Independence car insurance rates. Find the cheapest Independence, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Independence, California

Insurance Company Low Medium High
Allstate $3,703 $3,910 $4,030
Farmers $3,101 $3,342 $3,516
GEICO $2,355 $2,610 $2,789
Liberty Mutual $2,492 $2,684 $2,810
Nationwide $3,326 $3,787 $4,063
Progressive $1,919 $2,169 $2,254
State Farm $3,129 $3,498 $3,707
Travelers $2,328 $2,730 $2,938
USAA $2,236 $2,517 $2,653

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What affects car insurance rates in Independence, California?

What factors can have an impact on Independence, CA car insurance? There are several reasons why Independence car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Independence, California.

Commute Time in Independence

The more time you spend in your car the higher the risk of an accident. The average commute length in Independence, CA is 18.6 minutes according to City-Data.

Compare Car Insurance Quotes in Independence, CA

Ready to find affordable Independence, California car insurance today? Enter your ZIP code for fast, free Independence, CA car insurance quotes.

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