Cheapest and Best Car Insurance in Independence, MO (2023)

State Farm is the most affordable for full coverage and minimum coverage in Independence. Also, after a ticket, DUI or at-fault accident, State Farm is the cheapest. GEICO offers the lowest price for teenagers, and USAA is the cheapest for military members.

American Family is the best overall insurer in the city, while Shelter offers the best customer service. But a different insurer may be cheaper or best for your profile and needs.

The following companies offer, on average, the least expensive minimum coverage insurance in Independence:

• State Farm: $442 per year
• Nationwide: $508 per year

Minimum coverage from Kemper is around $894 a year, making it the most expensive choice. As of October 2022, State Farm also has the cheapest car insurance in Missouri at roughly $416 per year, which is less than the cost in Independence. Insurance premiums are affected by location.

The minimum liability coverage limits differ from state to state. Missouri's minimum insurance requirements for drivers are as follows:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage per accident

A liability-only insurance policy will only cover third-party injuries and damage to property. For example, if you have the minimum required insurance in Missouri, your insurance company will pay up to $25,000 for any property damage you cause, and any extra amount due will be your responsibility.

Missouri's law mandates that drivers have liability insurance and uninsured/underinsured motorist coverage.

Drivers in Independence may get full coverage auto insurance from the following insurance providers at the average lowest rates:

• State Farm: $961 per year
• Nationwide: $975 per year

With a yearly premium of around $2,505, Kemper turned out to be the most expensive choice for full coverage insurance in Independence. As of October 2022, Nationwide is the cheapest provider of full coverage insurance in Missouri, costing roughly $909 a year, which is much less than State Farm's average premium in Independence. The cost may vary significantly based on your location in Missouri.

Full coverage insurance includes not just liability but also collision and comprehensive coverage.

• Collision Insurance: Offers coverage for at-fault crashes involving your vehicle and another object or another vehicle.
• Comprehensive Insurance: Damage to your vehicle from events besides accidents, like theft, vandalism and natural disasters, are covered by comprehensive insurance.

Full coverage insurance is the best method to protect a brand-new or high-value vehicle. The additional hundreds of dollars in the yearly premium for full coverage may not be justified for older cars with a low value.

Our research highlighted the average cheapest full coverage insurance in Independence for drivers with the following traffic violation:

• Speeding ticket: State Farm ($1,037 per year)
• At-fault accident: State Farm ($1,113 per year)
• DUI: State Farm ($1,037 per year)

The companies with the highest average rates include Kemper for a speeding ticket or at-fault accident at $2,937 per year and $3,562 per year, respectively, while GEICO is the most expensive for DUI drivers at around $2,803 per year. After a driving offense, any insurance company may hike your premium, making even the cheapest company with a violation cost much more than what a driver with a clean record pays.

The severity of a driving offense may influence the rate increase. In Independence, drivers who have been convicted of a DUI should expect to pay about $194 more per year for full coverage car insurance than drivers who have only had a speeding ticket. Despite this, it is possible to obtain cheap auto insurance with a poor driving history.

The following companies provide the average cheapest insurance in Independence for teenagers on a parent’s policy:

• GEICO: $1,263 yearly for females and $1,336 for males
• Nationwide: $1,889 yearly for females and $2,053 for males

Kemper, the most expensive insurer in the city, charges male teens around $8,845 a year and female teenagers approximately $7,198 annually for full coverage insurance. Also, GEICO charges around $73 more for males than females.

The high risk male teenagers pose to insurers makes them more expensive to insure than female teens. In early adulthood, the disparity decreases. You may save money, though, by comparing costs from several providers.

To cut costs on auto insurance, it makes sense to include a young driver on a family policy rather than purchasing separate insurance for them. For instance, in Independence, adding a male teen to an existing family policy would cost an average of $3,903 less than purchasing him his own policy. By looking around for the best and cheapest rates when adding a teen driver to a family policy, it is possible to save a lot on auto insurance.

The following Independence insurers offer, on average, the most affordable military auto insurance to active duty and veteran service people, as well as their families:

• USAA: $520 per year
• State Farm: $961 per year

The prices shown above are for full coverage insurance. If you simply want the most basic level of coverage, the cheapest providers are the same. For the state minimum coverage, USAA charges around $178 a year, while State Farm charges $442 annually.

Automobile insurance comparison shopping on the web can be tedious. It is common practice to supply a vast amount of personal information, so you should not be surprised if the process of obtaining insurance quotes in Independence from a single provider takes up to 15 minutes. But, using your age, type of vehicle, driving record and coverage amount, MoneyGeek's auto insurance calculator can quickly estimate the premium that different companies are likely to offer you.

What constitutes the ideal insurance policy for you depends on your budget, customer service and coverage priorities. The best insurance companies in Independence are:

• Best overall: American Family (MoneyGeek score of 79 out of 100)
• Best for service: Shelter (MoneyGeek score of 68 out of 100)
• Best cheap: State Farm (MoneyGeek score of 78 out of 100)

MoneyGeek ratings vary depending on how much weight is given to each category. Nationwide provides the best car insurance in Missouri, while USAA has the best auto insurance for military service members in the city, with a score of 85 out of 100.

MoneyGeek evaluated customer experience, claims management and other variables to determine the best auto insurers in Independence:

• American Family: MoneyGeek score of 79 out of 100 ($1,030 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($961 per year)

American Family has a perfect score in coverage choices and has a high affordability and customer service rating, all of which can be advantageous for what you pay. For active and retired military personnel, USAA is the best option. It averages a yearly premium of $520 and scored 85 out of 100 on MoneyGeek's ranking scale.

MoneyGeek-recommended best auto insurers for customer service in Independence are not ranked primarily on how much you pay for coverage but based mainly on the insurers' customer satisfaction ratings. We have found that the following two companies offer the best customer service:

• Shelter: MoneyGeek score of 68 out of 100 ($1,686 per year)
• American Family: MoneyGeek score of 63 out of 100 ($1,030 per year)

Shelter outperforms other Independence companies in customer service. The company is not the most expensive among the insurers we compared, besides offering the best customer service. Paying a bit more with Shelter than the city's lowest insurance rate may guarantee the best service.

The following auto insurance providers in Independence provide the minimum level of coverage required by Missouri law at competitive prices with quality service.

• State Farm: MoneyGeek score of 78 out of 100 ($442 per year)
• Travelers: MoneyGeek score of 71 out of 100 ($544 per year)

The cheapest rate is often the highlight of a minimum coverage policy, but this policy may leave you responsible for large, unexpected expenses after an at-fault accident in the form of repairs and medical bills because of its low liability limits. And it does not cover any damage to your vehicle.

Independence's average annual cost of auto insurance is $1,304, which is around $39 more than the national average insurance cost of $1,265 and roughly $84 less than the state average of $1,388. These rates reflect full coverage, which covers $100,000 per person, $300,000 per accident in bodily injury liability and $100,000 in property damage liability. Independence’s average auto insurance cost is less than the average insurance cost in Missouri, but your real cost may vary greatly depending on where you reside.