Compare Independence, MO Car Insurance Rates (2021)

Car insurance in Independence, MO averages $304 a month. Independence, Missouri 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, MO.

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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, MO after a DUI are $4,277/year
  • Average car insurance rates in Independence, MO are $3,653/year
  • The cheapest ZIP code in Independence is 64057

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

You’ll find Independence car insurance rates, the cheapest Independence, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Independence, Missouri car insurance rates to Independence car insurance rates, Columbia car insurance rates, and Kansas City car insurance rates.

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

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

How do age, gender, and marital status affect Independence, MO car insurance rates? Every Independence, Missouri 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, Missouri

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 $2,738 $2,642 $2,476 $2,553 $7,780 $8,436 $2,604 $2,680
American Family $2,364 $2,364 $2,107 $2,107 $6,572 $8,534 $2,364 $2,756
Farmers $2,526 $2,514 $2,246 $2,386 $10,845 $11,232 $2,887 $3,007
GEICO $2,073 $2,346 $1,609 $2,109 $6,748 $7,127 $1,867 $1,863
Liberty Mutual $3,025 $3,275 $2,489 $2,792 $10,901 $12,100 $3,180 $3,381
Nationwide $1,782 $1,815 $1,598 $1,686 $4,662 $5,949 $2,047 $2,209
Progressive $2,383 $2,168 $1,952 $2,019 $8,123 $9,074 $2,881 $2,892
State Farm $1,830 $1,830 $1,663 $1,663 $5,576 $7,002 $2,066 $2,364
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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Minimum Car Insurance in Independence, MO

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

Minimum Required Car Insurance Coverage in Independence, Missouri

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, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Independence, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,500 $3,543 $2,923
American Family $4,765 $3,351 $2,821
Farmers $5,357 $4,491 $4,269
GEICO $4,447 $2,894 $2,312
Liberty Mutual $7,371 $4,513 $3,545
Nationwide $3,205 $2,652 $2,299
Progressive $4,564 $3,774 $3,472
State Farm $4,207 $2,655 $2,135
USAA $4,216 $1,958 $1,402

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

Annual Independence, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,407 $3,856 $4,822 $3,869
American Family $2,716 $3,917 $4,840 $3,111
Farmers $4,039 $5,084 $4,966 $4,733
GEICO $2,453 $3,256 $4,480 $2,682
Liberty Mutual $3,719 $5,376 $5,523 $5,954
Nationwide $2,113 $2,742 $3,696 $2,323
Progressive $3,382 $4,599 $3,772 $3,993
State Farm $2,736 $3,262 $2,999 $2,999
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Independence, MO Car Insurance for Teen Drivers

Teen car insurance in Independence, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,780 $8,436
American Family $6,572 $8,534
Farmers $10,845 $11,232
GEICO $6,748 $7,127
Liberty Mutual $10,901 $12,100
Nationwide $4,662 $5,949
Progressive $8,123 $9,074
State Farm $5,576 $7,002
USAA $4,587 $5,609

Cheapest Independence, MO Car Insurance for Seniors

Take a look at Independence, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,476 $2,553
American Family $2,107 $2,107
Farmers $2,246 $2,386
GEICO $1,609 $2,109
Liberty Mutual $2,489 $2,792
Nationwide $1,598 $1,686
Progressive $1,952 $2,019
State Farm $1,663 $1,663
USAA $1,391 $1,422

Cheapest Independence, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Independence, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,822
American Family $4,840
Farmers $4,966
GEICO $4,480
Liberty Mutual $5,523
Nationwide $3,696
Progressive $3,772
State Farm $2,999
USAA $3,392

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Cheapest Independence, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Independence, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,989 $3,989
American Family $3,610 $3,682
Farmers $4,705 $4,705
GEICO $3,160 $3,275
Liberty Mutual $5,143 $5,143
Nationwide $2,719 $2,719
Progressive $3,936 $3,936
State Farm $2,924 $3,074
USAA $2,433 $2,618

Cheapest Independence, MO Car Insurance Rates by ZIP Code

Independence car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Independence, MO.

Annual Car Insurance Rates by ZIP Code in Independence, Missouri

ZIP Code Average Annual Rates
64016 $2,918
64050 $3,123
64052 $3,075
64053 $3,226
64054 $3,041
64055 $2,878
64056 $2,934
64057 $2,843
64058 $2,979

The Best Cheap Car Insurance Companies in Independence, MO

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

Average Annual Car Insurance Rates by Company in Independence, Missouri

Insurance Company Average Annual Rates
Allstate $3,989
American Family $3,646
Farmers $4,705
GEICO $3,218
Liberty Mutual $5,143
Nationwide $2,719
Progressive $3,936
State Farm $2,999
USAA $2,526

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Category Winners: Cheapest Car Insurance in Independence, Missouri

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

Best Annual Car Insurance Rates by Company in Independence, Missouri

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

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

Annual Car Insurance Rates by Coverage Level in Independence, Missouri

Insurance Company Low Medium High
Allstate $3,833 $3,980 $4,153
American Family $3,529 $3,760 $3,648
Farmers $4,386 $4,658 $5,072
GEICO $2,987 $3,247 $3,419
Liberty Mutual $4,841 $5,171 $5,417
Nationwide $2,547 $2,745 $2,863
Progressive $3,431 $3,950 $4,428
State Farm $2,774 $3,013 $3,211
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Independence, Missouri?

What factors can have an impact on Independence, MO 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, Missouri.

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, MO is 24.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Independence, MO

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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