Compare Independence, KS Car Insurance Rates (2021)

Car insurance in Independence, KS averages $279 a month. Independence, Kansas car insurance requirements are 25/50/25, 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, KS.

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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

  • The cheapest car insurance company in Independence for teen drivers is American Family
  • Average car insurance rates in Independence, KS after a DUI are $4,037/year
  • The cheapest car insurance company in Independence is American Family

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

You’ll find Independence car insurance rates, the cheapest Independence, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Independence, Kansas car insurance rates to Shawnee car insurance rates, Manhattan car insurance rates, and Olathe car insurance rates.

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

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

How do age, gender, and marital status affect Independence, KS car insurance rates? Every Independence, Kansas 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, Kansas

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 $2,751 $2,688 $2,443 $2,516 $7,339 $8,181 $2,850 $2,966
American Family $1,675 $1,675 $1,513 $1,513 $3,256 $3,908 $1,675 $1,885
Farmers $2,512 $2,499 $2,246 $2,343 $6,702 $6,946 $2,825 $2,976
GEICO $2,712 $2,652 $2,735 $2,545 $4,904 $6,580 $3,111 $2,287
Liberty Mutual $2,256 $2,436 $2,161 $2,409 $10,590 $11,823 $2,458 $2,658
Nationwide $1,875 $1,940 $1,664 $1,800 $3,776 $4,650 $2,170 $2,317
Progressive $2,400 $2,291 $1,936 $2,018 $8,755 $9,886 $2,834 $3,037
State Farm $1,749 $1,749 $1,523 $1,523 $4,523 $5,783 $1,962 $2,209
Travelers $1,965 $2,001 $1,901 $1,930 $7,768 $12,093 $2,007 $2,383
USAA $1,437 $1,469 $1,313 $1,333 $4,807 $5,062 $1,895 $1,989

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Minimum Car Insurance in Independence, KS

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

Minimum Required Car Insurance Coverage in Independence, Kansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Independence, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Independence, KS. Compare credit history car insurance rates in Independence from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Independence, Kansas

Insurance Company Poor Fair Good
Allstate $4,921 $3,728 $3,252
American Family $2,791 $1,974 $1,647
Farmers $4,281 $3,402 $3,210
GEICO $5,347 $2,829 $2,147
Liberty Mutual $4,599 $4,599 $4,599
Nationwide $2,808 $2,466 $2,299
Progressive $4,758 $3,991 $3,684
State Farm $3,826 $2,286 $1,771
Travelers $4,639 $3,765 $3,614
USAA $3,299 $2,163 $1,778

Cheapest Independence, KS 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, KS to rates for a clean record with top companies.

Annual Independence, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,437 $3,999 $4,588 $3,843
American Family $2,100 $2,250 $2,100 $2,100
Farmers $3,066 $3,934 $3,835 $3,690
GEICO $2,158 $3,545 $5,492 $2,568
Liberty Mutual $3,458 $5,223 $5,128 $4,587
Nationwide $1,887 $2,174 $3,870 $2,165
Progressive $3,829 $4,478 $3,998 $4,273
State Farm $2,447 $2,808 $2,627 $2,627
Travelers $2,937 $3,810 $5,235 $4,042
USAA $1,765 $2,373 $3,494 $2,020

Cheapest Independence, KS Car Insurance for Teen Drivers

Teen car insurance in Independence, KS 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, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,339 $8,181
American Family $3,256 $3,908
Farmers $6,702 $6,946
GEICO $4,904 $6,580
Liberty Mutual $10,590 $11,823
Nationwide $3,776 $4,650
Progressive $8,755 $9,886
State Farm $4,523 $5,783
Travelers $7,768 $12,093
USAA $4,807 $5,062

Cheapest Independence, KS Car Insurance for Seniors

Take a look at Independence, KS 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, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,443 $2,516
American Family $1,513 $1,513
Farmers $2,246 $2,343
GEICO $2,735 $2,545
Liberty Mutual $2,161 $2,409
Nationwide $1,664 $1,800
Progressive $1,936 $2,018
State Farm $1,523 $1,523
Travelers $1,901 $1,930
USAA $1,313 $1,333

Cheapest Independence, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Independence, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,588
American Family $2,100
Farmers $3,835
GEICO $5,492
Liberty Mutual $5,128
Nationwide $3,870
Progressive $3,998
State Farm $2,627
Travelers $5,235
USAA $3,494

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Cheapest Independence, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Independence, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $3,967
American Family $2,110 $2,165
Farmers $3,631 $3,631
GEICO $3,367 $3,515
Liberty Mutual $4,599 $4,599
Nationwide $2,524 $2,524
Progressive $4,145 $4,145
State Farm $2,562 $2,693
Travelers $4,006 $4,006
USAA $2,341 $2,485

The Best Cheap Car Insurance Companies in Independence, KS

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

Average Annual Car Insurance Rates by Company in Independence, Kansas

Insurance Company Average Annual Rates
Allstate $3,967
American Family $2,137
Farmers $3,631
GEICO $3,441
Liberty Mutual $4,599
Nationwide $2,524
Progressive $4,145
State Farm $2,628
Travelers $4,006
USAA $2,413

Category Winners: Cheapest Car Insurance in Independence, Kansas

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

Best Annual Car Insurance Rates by Company in Independence, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

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Cheapest Independence, KS 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, KS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Independence, Kansas

Insurance Company Low Medium High
Allstate $3,851 $3,958 $4,091
American Family $2,158 $2,245 $2,008
Farmers $3,484 $3,611 $3,799
GEICO $3,345 $3,437 $3,541
Liberty Mutual $4,489 $4,588 $4,719
Nationwide $2,660 $2,495 $2,418
Progressive $3,916 $4,112 $4,405
State Farm $2,538 $2,634 $2,711
Travelers $3,813 $4,011 $4,194
USAA $2,328 $2,406 $2,504

What affects car insurance rates in Independence, Kansas?

What factors can have an impact on Independence, KS 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, Kansas.

Car Theft in Independence

High levels of vehicle theft can make car insurance more expensive. Independence, KS car theft statistics from the FBI indicate 32 vehicle thefts a year.

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, KS is 14.6 minutes according to City-Data.

Compare Car Insurance Quotes in Independence, KS

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

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