bestauto insuranceIndependenceCompare the Cheapest Car Insurance Quotes in Independence, MO
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How much you pay for car insurance depends on the insurance company, the coverage you choose and your driver profile. State Farm is the cheapest car insurer in Independence with regard to full coverage and state minimum insurance. It also offers the most affordable policy for drivers with a speeding ticket. Although limited to members of the military and their families, USAA is the cheapest insurance company in the city. The best insurer overall in the city is State Farm, with its balance of affordability and quality customer service.
bestauto insuranceIndependenceThe Cheapest and Best Car Insurance in Independence
Cheapest Overall - State Farm
Cheapest State Minimum - State Farm
Cheapest With a Driving Violation - State Farm
Best Overall - State Farm
The Cheapest Car Insurance Companies in Independence
The car insurance companies that offer the cheapest full coverage policies in Independence are as follows:
- State Farm: $834 per year
- Allstate: $860 per year
USAA offers full coverage car insurance at an average annual premium of $478. It’s the cheapest car insurance company but is only available to current or former members of the military.
If you’re not eligible for USAA, State Farm may be your best alternative. Its full coverage policy, which includes comprehensive and collision insurance, is more than 100% cheaper than MetLife, which at $1,675 is the most expensive auto insurer in the city.
Cheapest Car Insurance in Independence
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$478
- 2.$834
- 3.$860
- 4.Allied$968
- 5.$980
Per our methodology, MoneyGeek collected average car insurance quotes based on a sample profile of a 40-year-old male driver in Independence with a full coverage policy.
Full coverage auto insurance typically includes comprehensive and collision coverage. It’s more expensive than minimum coverage but offers more protection in the event of damage to your car.
- Comprehensive insurance: covers damage to your car caused by theft, vandalism, hail and any other causes other than accidents
- Collision insurance: covers damage to your car caused by accidents
If the premiums for full coverage insurance add up to more than your older model car’s replacement value, liability-only or state minimum car insurance may be a better choice of coverage.
Compare Car Insurance Rates in Independence
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Cheapest Car Insurance in Independence for Minimum Coverage
For drivers seeking the cheapest car insurance in Independence, purchasing state minimum or liability-only coverage may be your best choice. The companies that offer the cheapest state minimum policies in the city are:
- State Farm: $404 per year
- Allstate: $536 per year
USAA remains the most affordable option at $184 per year; however, it is exclusive to military members. You’ll still save money with State Farm. The insurer’s rate is $653 less than that of MetLife, with an average annual premium of $1,057.
Although a minimum coverage policy is the cheapest option, it may not cover you fully in the event of an accident. That’s because it does not include collision or comprehensive insurance.
The table below demonstrates how much it costs to change your liability limits.
Cheapest Minimum Liability Car Insurance in Independence
State Minimum
- CompanyState Minimumper year
- 1.$184
- 2.$404
- 3.$536
- 4.$546
- 5.Allied$583
By state law, all drivers in Missouri must have car insurance with a minimum of 25/50/25 liability insurance. This is the cheapest auto insurance option you can find in Independence, but because of the low liability rates, you may wind up paying much more after an accident.
For instance, if you’re in an at-fault where the other driver incurs $30,000 in medical bills, your minimum insurance will cover $25,000 of that. You’ll have to pay the balance of $5,000 out of pocket.
Missouri Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
Cheapest Car Insurance in Independence if You Have Driving Violations
Driving violations like DUIs, speeding tickets and at-fault accidents typically increase the cost of your car insurance premiums. If you have violations and looking for the cheapest car insurance provider in Independence, your options are:
- Cheapest after a ticket: State Farm, $904 per year
- Cheapest after an at-fault accident: State Farm, $973 per year
- Cheapest after a DUI: State Farm, $904 per year
If you’re from a military family, USAA is your cheapest insurance option in all cases.
To decrease your premiums over time, you’ll need to improve your driving history. For now, your best move is to shop around for quotes from companies in Independence that offer the best cheap car insurance for drivers with bad records.
Cheapest Car Insurance in Independence With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$557
- 2.$904
- 3.$968
- 4.$986
- 5.Allied$1,112
Average Cost of Car Insurance in Independence
Independence$1,240
Missouri$1,305
U.S.$1,424
The average cost to insure a car in Independence is $1,240 per year, which is cheaper than both the state and national averages. Independence drivers typically pay 5% less than the state annual premium average of $1,305. The city rate is also 12.9% cheaper than the national auto insurance average of $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Independence
Insurers calculate car insurance quotes in Independence based on certain factors like age, ZIP code, car make and model and credit history. To find the most accurate policy, make sure to compare car insurance quotes regularly. Doing this will also help you see if you qualify for discounts, rebates or other savings.
Compare Car Insurance Rates in Independence
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Independence
MoneyGeek ranked the best car insurance providers in Independence, Missouri, based on their average rates, claims ratings and user satisfaction scores. The two top-rated companies in the city are the following:
- State Farm: MoneyGeek score of 79 out of 100
- Allstate: MoneyGeek score of 76 out of 100
USAA received a perfect MoneyGeek score of 100, but it was omitted from our rankings as policies are only available to military members and their families.
1
State Farm
Score:79
State Farm received high scores for financial stability, customer satisfaction and claims. The average cost of a State Farm policy for a 40-year-old driver in Independence is $834 per year. Rideshare insurance coverage is one of its unique offers.
More About State Farm
Drivers in Independence who work for rideshare companies can benefit from State Farm’s rare add-on coverage, rideshare insurance. Rideshare Insurance extends all coverages in your auto insurance policy, except for liability insurance, while working for a ridesharing company.
Some more commonly offered, but still very useful, coverage options available with State Farm include roadside assistance and rental car and/or travel reimbursement coverage. Roadside assistance pays for mechanical labor, towing and gas, oil and battery delivery in case your car breaks down in the middle of the road. When you need to travel while your vehicle is in tow, a rental car and/or travel coverage reimburses up to $500 of expenses.
Read MoneyGeek's State Farm auto Insurance Review2
Allstate
Score:76
Allstate offers high-quality insurance for a slightly more expensive rate — on average, a policy for a 40-year-old driver in Independence costs $860 per year. For the added cost, the company offers a high degree of financial stability, quality customer service and consistent claims fulfillment record. The insurer offers several unique coverages like sound systems coverage.
More About Allstate
Drivers that added aftermarket upgrades to their vehicles may benefit from Allstate’s sound system coverage, portable electronics or custom parts coverage. These policies cover the repair or replacement costs of components related to these systems, as long as you have existing comprehensive coverage.
In addition to these rare coverage offerings, GEICO also offers roadside assistance, rental car and/or travel reimbursement, new car replacement, accident forgiveness, gap insurance, deductible modification and rideshare insurance.
Read MoneyGeek's Allstate auto Insurance Review3
American Family
Score:73
4
Farmers
Score:52
5
GEICO
Score:48
6
Progressive
Score:40
7
Esurance
Score:38
8
Allied
Score:35
9
AAA
Score:33
10
MetLife
Score:28
11
Shelter
Score:18
Average Cost of Car Insurance by Postal Code
Average auto insurance rates also depend on location because each ZIP code has different risk levels. There are variations in accident statistics, car theft incidents and the number of uninsured drivers.
The neighborhood with the cheapest car insurance in Independence is 64055, which has an average rate of $1,195 per year. Meanwhile, the most expensive is 64050, with an average of $1,286. That means drivers living in ZIP code 64050 pay $91 more than 64055.
- Zip CodeState Minimumper year
- 64055$1,195
- 64050$1,286
Factors That Impact Insurance Costs in Independence
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Independence. How Independence ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
