Compare Rates and Save on Auto Insurance

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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.

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2023

Cheapest and Best Car Insurance in Independence

Cheapest Minimum Liability Car Insurance in Independence

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.

Company
Annual Premium
Monthly Premium

State Farm

$419

$35

State Farm

$442

$37

Nationwide

$498

$42

Nationwide

$508

$42

State Farm

$528

$44

Travelers

$544

$45

Progressive

$564

$47

Travelers

$571

$48

Progressive

$583

$49

Travelers

$601

$50

American Family

$615

$51

American Family

$621

$52

Shelter

$636

$53

American Family

$662

$55

Allstate

$667

$56

Nationwide

$691

$58

Allstate

$697

$58

Progressive

$710

$59

AAA

$743

$62

GEICO

$746

$62

Shelter

$762

$64

Allstate

$799

$67

GEICO

$799

$67

GEICO

$805

$67

AAA

$847

$71

State Farm

$880

$73

Nationwide

$893

$74

Kemper

$894

$75

Kemper

$916

$76

State Farm

$961

$80

American Family

$963

$80

Nationwide

$975

$81

Kemper

$1,004

$84

Allstate

$1,014

$85

American Family

$1,030

$86

AAA

$1,075

$90

Travelers

$1,092

$91

American Family

$1,096

$91

Allstate

$1,099

$92

Travelers

$1,126

$94

Shelter

$1,177

$98

State Farm

$1,179

$98

Travelers

$1,295

$108

Nationwide

$1,302

$109

Allstate

$1,343

$112

Shelter

$1,399

$117

Progressive

$1,497

$125

AAA

$1,553

$129

GEICO

$1,583

$132

Progressive

$1,591

$133

GEICO

$1,605

$134

Shelter

$1,686

$141

AAA

$1,781

$148

GEICO

$1,785

$149

Progressive

$1,927

$161

AAA

$2,277

$190

Kemper

$2,422

$202

Kemper

$2,505

$209

Shelter

$2,591

$216

Kemper

$2,964

$247

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.

Cheapest Full Coverage Car Insurance in Independence

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.

Company
Annual Premium
Monthly Premium

State Farm

$419

$35

State Farm

$442

$37

Nationwide

$498

$42

Nationwide

$508

$42

State Farm

$528

$44

Travelers

$544

$45

Progressive

$564

$47

Travelers

$571

$48

Progressive

$583

$49

Travelers

$601

$50

American Family

$615

$51

American Family

$621

$52

Shelter

$636

$53

American Family

$662

$55

Allstate

$667

$56

Nationwide

$691

$58

Allstate

$697

$58

Progressive

$710

$59

AAA

$743

$62

GEICO

$746

$62

Shelter

$762

$64

Allstate

$799

$67

GEICO

$799

$67

GEICO

$805

$67

AAA

$847

$71

State Farm

$880

$73

Nationwide

$893

$74

Kemper

$894

$75

Kemper

$916

$76

State Farm

$961

$80

American Family

$963

$80

Nationwide

$975

$81

Kemper

$1,004

$84

Allstate

$1,014

$85

American Family

$1,030

$86

AAA

$1,075

$90

Travelers

$1,092

$91

American Family

$1,096

$91

Allstate

$1,099

$92

Travelers

$1,126

$94

Shelter

$1,177

$98

State Farm

$1,179

$98

Travelers

$1,295

$108

Nationwide

$1,302

$109

Allstate

$1,343

$112

Shelter

$1,399

$117

Progressive

$1,497

$125

AAA

$1,553

$129

GEICO

$1,583

$132

Progressive

$1,591

$133

GEICO

$1,605

$134

Shelter

$1,686

$141

AAA

$1,781

$148

GEICO

$1,785

$149

Progressive

$1,927

$161

AAA

$2,277

$190

Kemper

$2,422

$202

Kemper

$2,505

$209

Shelter

$2,591

$216

Kemper

$2,964

$247

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.

Cheapest Car Insurance in Independence After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

State Farm

$460

$38

State Farm

$460

$38

State Farm

$486

$40

State Farm

$486

$40

State Farm

$501

$42

State Farm

$530

$44

State Farm

$581

$48

State Farm

$581

$48

Nationwide

$588

$49

Nationwide

$603

$50

State Farm

$634

$53

Progressive

$667

$56

Travelers

$693

$58

Travelers

$721

$60

Travelers

$726

$61

Progressive

$727

$61

American Family

$734

$61

American Family

$734

$61

American Family

$737

$61

American Family

$737

$61

American Family

$743

$62

American Family

$746

$62

Progressive

$755

$63

Travelers

$756

$63

Allstate

$757

$63

Nationwide

$757

$63

Travelers

$776

$65

American Family

$779

$65

American Family

$779

$65

American Family

$788

$66

Allstate

$795

$66

Travelers

$801

$67

Progressive

$804

$67

Nationwide

$805

$67

Nationwide

$814

$68

Travelers

$818

$68

Travelers

$833

$69

Progressive

$834

$70

Shelter

$836

$70

Allstate

$850

$71

Allstate

$872

$73

Progressive

$889

$74

GEICO

$893

$74

Allstate

$896

$75

Travelers

$899

$75

Allstate

$918

$77

Allstate

$920

$77

GEICO

$928

$77

Nationwide

$935

$78

Kemper

$936

$78

Shelter

$950

$79

Shelter

$950

$79

State Farm

$951

$79

State Farm

$951

$79

Kemper

$960

$80

Nationwide

$992

$83

GEICO

$999

$83

Shelter

$1,005

$84

Progressive

$1,009

$84

State Farm

$1,022

$85

GEICO

$1,033

$86

AAA

$1,036

$86

State Farm

$1,037

$86

State Farm

$1,037

$86

Nationwide

$1,042

$87

Allstate

$1,044

$87

Kemper

$1,052

$88

Allstate

$1,073

$89

GEICO

$1,076

$90

Kemper

$1,083

$90

State Farm

$1,113

$93

Nationwide

$1,120

$93

AAA

$1,132

$94

American Family

$1,141

$95

American Family

$1,141

$95

Shelter

$1,143

$95

Shelter

$1,143

$95

Progressive

$1,152

$96

AAA

$1,155

$96

Kemper

$1,155

$96

Progressive

$1,159

$97

Allstate

$1,171

$98

American Family

$1,181

$98

GEICO

$1,183

$99

AAA

$1,188

$99

Nationwide

$1,209

$101

American Family

$1,213

$101

American Family

$1,213

$101

Kemper

$1,218

$102

Nationwide

$1,229

$102

Kemper

$1,246

$104

American Family

$1,258

$105

GEICO

$1,263

$105

Allstate

$1,269

$106

State Farm

$1,278

$106

State Farm

$1,278

$106

American Family

$1,289

$107

American Family

$1,289

$107

AAA

$1,300

$108

GEICO

$1,303

$109

Allstate

$1,318

$110

AAA

$1,326

$111

Kemper

$1,332

$111

American Family

$1,340

$112

Allstate

$1,364

$114

State Farm

$1,375

$115

Shelter

$1,379

$115

Kemper

$1,403

$117

Nationwide

$1,418

$118

Allstate

$1,429

$119

Travelers

$1,432

$119

Nationwide

$1,466

$122

Travelers

$1,477

$123

Allstate

$1,478

$123

Travelers

$1,484

$124

AAA

$1,525

$127

Nationwide

$1,528

$127

Travelers

$1,538

$128

GEICO

$1,542

$128

Travelers

$1,553

$129

Allstate

$1,568

$131

Shelter

$1,571

$131

Shelter

$1,571

$131

Travelers

$1,599

$133

Travelers

$1,617

$135

AAA

$1,674

$140

Travelers

$1,693

$141

AAA

$1,707

$142

Nationwide

$1,746

$145

Travelers

$1,749

$146

Allstate

$1,775

$148

Shelter

$1,799

$150

Progressive

$1,808

$151

Allstate

$1,842

$153

Nationwide

$1,856

$155

Progressive

$1,877

$156

GEICO

$1,898

$158

Nationwide

$1,921

$160

GEICO

$1,981

$165

Progressive

$1,995

$166

Shelter

$2,026

$169

Shelter

$2,026

$169

GEICO

$2,028

$169

Progressive

$2,100

$175

AAA

$2,110

$176

Shelter

$2,173

$181

Progressive

$2,174

$181

GEICO

$2,193

$183

Nationwide

$2,262

$189

AAA

$2,292

$191

GEICO

$2,308

$192

GEICO

$2,324

$194

AAA

$2,335

$195

Progressive

$2,359

$197

AAA

$2,432

$203

Shelter

$2,448

$204

Shelter

$2,448

$204

Progressive

$2,534

$211

Kemper

$2,539

$212

Kemper

$2,630

$219

AAA

$2,644

$220

AAA

$2,694

$225

Progressive

$2,767

$231

GEICO

$2,803

$234

GEICO

$2,847

$237

Kemper

$2,902

$242

Kemper

$2,937

$245

Progressive

$2,938

$245

Shelter

$2,997

$250

GEICO

$3,070

$256

Kemper

$3,108

$259

AAA

$3,140

$262

Shelter

$3,380

$282

Shelter

$3,380

$282

AAA

$3,421

$285

AAA

$3,487

$291

Kemper

$3,489

$291

Kemper

$3,508

$292

Kemper

$3,562

$297

Kemper

$4,242

$354

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.

Cheapest Car Insurance in Independence for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$804

$3,665

GEICO

$838

$2,967

GEICO

$846

$3,561

GEICO

$854

$3,023

GEICO

$861

$2,779

GEICO

$869

$2,805

GEICO

$876

$2,829

GEICO

$880

$3,320

GEICO

$891

$3,152

GEICO

$898

$3,178

GEICO

$962

$7,370

GEICO

$1,003

$5,356

GEICO

$1,030

$4,694

GEICO

$1,039

$5,044

GEICO

$1,073

$4,518

Travelers

$1,120

$1,876

GEICO

$1,120

$8,581

GEICO

$1,144

$8,641

Nationwide

$1,176

$2,020

Nationwide

$1,205

$2,177

Travelers

$1,211

$1,964

State Farm

$1,230

$1,784

Travelers

$1,244

$2,084

Travelers

$1,251

$2,280

GEICO

$1,263

$13,083

Nationwide

$1,267

$2,780

Travelers

$1,279

$2,143

GEICO

$1,296

$9,793

Nationwide

$1,314

$3,049

GEICO

$1,336

$11,846

Nationwide

$1,352

$2,323

State Farm

$1,356

$1,967

Travelers

$1,361

$2,208

Nationwide

$1,366

$2,598

Allstate

$1,395

$2,149

Allstate

$1,395

$2,149

Travelers

$1,399

$2,469

Nationwide

$1,399

$2,527

State Farm

$1,403

$1,985

Travelers

$1,406

$2,589

Nationwide

$1,413

$2,839

State Farm

$1,420

$2,357

Nationwide

$1,424

$2,446

Allstate

$1,424

$2,770

Allstate

$1,424

$2,770

Travelers

$1,456

$2,362

Allstate

$1,463

$2,254

Allstate

$1,463

$2,254

State Farm

$1,470

$2,132

Nationwide

$1,473

$2,661

Allstate

$1,506

$2,507

Allstate

$1,506

$2,507

State Farm

$1,516

$2,541

Allstate

$1,540

$2,373

Allstate

$1,540

$2,373

State Farm

$1,576

$2,229

Allstate

$1,609

$4,713

Allstate

$1,609

$4,713

Travelers

$1,626

$2,870

Travelers

$1,627

$2,873

Travelers

$1,632

$3,304

Allstate

$1,642

$3,194

Allstate

$1,642

$3,194

Allstate

$1,643

$3,622

Allstate

$1,643

$3,622

State Farm

$1,668

$2,768

Nationwide

$1,697

$4,469

Nationwide

$1,710

$5,240

State Farm

$1,730

$2,900

State Farm

$1,730

$3,260

State Farm

$1,735

$2,454

Nationwide

$1,785

$3,915

Nationwide

$1,816

$5,215

Travelers

$1,848

$4,167

State Farm

$1,856

$3,057

Nationwide

$1,856

$6,033

Nationwide

$1,887

$4,379

Nationwide

$1,889

$6,179

Travelers

$1,912

$3,376

Travelers

$1,927

$3,959

Nationwide

$1,941

$5,948

State Farm

$1,976

$3,716

Nationwide

$2,053

$7,134

Nationwide

$2,109

$6,852

Allstate

$2,136

$6,255

Allstate

$2,136

$6,255

State Farm

$2,169

$4,084

State Farm

$2,173

$3,581

Allstate

$2,202

$8,378

Allstate

$2,202

$8,378

State Farm

$2,249

$4,229

Travelers

$2,256

$5,105

State Farm

$2,260

$4,803

Progressive

$2,268

$3,059

Travelers

$2,270

$5,119

Progressive

$2,277

$3,093

Travelers

$2,350

$6,613

Progressive

$2,472

$3,358

State Farm

$2,500

$4,669

Progressive

$2,508

$3,382

Kemper

$2,514

$3,566

Progressive

$2,551

$3,832

Progressive

$2,556

$4,406

Progressive

$2,631

$3,574

Progressive

$2,663

$4,176

Progressive

$2,779

$3,748

Progressive

$2,816

$4,957

Travelers

$2,826

$6,396

State Farm

$2,854

$5,330

State Farm

$2,867

$6,061

Kemper

$2,917

$4,016

Travelers

$2,940

$8,459

Progressive

$3,154

$10,178

Kemper

$3,167

$5,079

Progressive

$3,174

$6,407

Kemper

$3,206

$4,548

Progressive

$3,250

$5,601

Kemper

$3,367

$4,776

Progressive

$3,375

$10,696

Progressive

$3,429

$11,334

Progressive

$3,515

$7,287

Progressive

$3,588

$6,318

Progressive

$3,628

$11,744

Progressive

$3,655

$11,794

Kemper

$3,864

$6,195

Kemper

$3,891

$5,357

Progressive

$3,901

$12,895

Kemper

$4,007

$5,611

Kemper

$4,148

$5,710

Kemper

$4,725

$6,616

Kemper

$4,758

$9,131

Kemper

$4,778

$7,845

Kemper

$4,901

$6,846

Kemper

$5,771

$8,062

Kemper

$5,834

$11,149

Kemper

$5,842

$9,572

Kemper

$6,223

$11,943

Kemper

$7,198

$20,367

Kemper

$7,643

$14,604

Kemper

$8,845

$24,950

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.

Cheapest Car Insurance in Independence for Military Drivers

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.

Company
Annual Premium
Monthly Premium

USAA

$178

$15

USAA

$181

$15

USAA

$203

$17

State Farm

$419

$35

State Farm

$442

$37

USAA

$497

$41

Nationwide

$498

$42

Nationwide

$508

$42

USAA

$520

$43

State Farm

$528

$44

Travelers

$544

$45

Progressive

$564

$47

Travelers

$571

$48

Progressive

$583

$49

Travelers

$601

$50

American Family

$615

$51

USAA

$618

$52

American Family

$621

$52

Shelter

$636

$53

American Family

$662

$55

Allstate

$667

$56

Nationwide

$691

$58

Allstate

$697

$58

Progressive

$710

$59

AAA

$743

$62

GEICO

$746

$62

Shelter

$762

$64

Allstate

$799

$67

GEICO

$799

$67

GEICO

$805

$67

AAA

$847

$71

State Farm

$880

$73

Nationwide

$893

$74

Kemper

$894

$75

Kemper

$916

$76

State Farm

$961

$80

American Family

$963

$80

Nationwide

$975

$81

Kemper

$1,004

$84

Allstate

$1,014

$85

American Family

$1,030

$86

AAA

$1,075

$90

Travelers

$1,092

$91

American Family

$1,096

$91

Allstate

$1,099

$92

Travelers

$1,126

$94

Shelter

$1,177

$98

State Farm

$1,179

$98

Travelers

$1,295

$108

Nationwide

$1,302

$109

Allstate

$1,343

$112

Shelter

$1,399

$117

Progressive

$1,497

$125

AAA

$1,553

$129

GEICO

$1,583

$132

Progressive

$1,591

$133

GEICO

$1,605

$134

Shelter

$1,686

$141

AAA

$1,781

$148

GEICO

$1,785

$149

Progressive

$1,927

$161

AAA

$2,277

$190

Kemper

$2,422

$202

Kemper

$2,505

$209

Shelter

$2,591

$216

Kemper

$2,964

$247

How to Compare Cheap Independence Car Insurance Quotes Online

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.

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USAA

Best Car Insurance in Independence: Summary

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.

Best Overall Car Insurance in Independence

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.

American Family Insurance

pros

Third most affordable in the city

Higher than average customer satisfaction rating

Offers OEM coverage, auto death indemnity coverage, accident forgiveness and gap insurance

cons

Poor claims handling score

COMPANY HIGHLIGHTS

In addition to a higher-than-average customer satisfaction rating, American Family offers a range of coverages that can be advantageous for a variety of driver types. Original equipment manufacturer (OEM) add-on coverage might be excellent for the majority of policyholders. It is an additional coverage that can pay for the use of original parts during repairs, which can otherwise be costly. It prevents the use of aftermarket parts and may guarantee the best performance of your vehicle.

American Family’s add-on gap insurance can cover the difference between the amount you owe on the car and its value in the event it incurs a total covered loss. You might also like having the insurer’s accident forgiveness add-on to prevent an unanticipated rate increase after an accident. Auto death indemnity coverage is an unusual form of optional insurance that can help cover costs in the event of a fatality or certain injuries resulting from a car accident, regardless of who was at fault.

Read MoneyGeek's American Family Insurance Auto Insurance Review

Best Car Insurance in Independence for Customer Service

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.

Shelter

pros

The best customer satisfaction score among 10 insurers

Above-average coverage score

Offers roadside assistance, gap insurance, new car replacement and rental car reimbursement

cons

Below-average claims handling

COMPANY HIGHLIGHTS

There are no unique or exclusive coverage additions offered by Shelter. However, most of those it offers can be advantageous for the majority of policyholders. For instance, if you're in an accident and the value of your car isn’t enough to pay off your auto loan or lease, gap insurance from Shelter covers the difference. Also, if an automobile was purchased within the past year and has fewer than 15,000 miles on the odometer, the company will replace it with a brand-new vehicle of the same year, make and model. That is possible because of the new car replacement coverage included in Shelter’s full coverage insurance.

In addition, Shelter's rental reimbursement coverage reimburses the expense of renting dependable transportation while your vehicle is being repaired following an accident. Even theft may fall within its scope. The insurer's rideshare insurance is advantageous for drivers working for rideshare companies.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance Companies in Independence

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.

State Farm

pros

Offers an affordable rate at around $442 per year

Multiple car, safe driving and bundling discounts

High affordability score and higher-than-average customer satisfaction

cons

Below-average claims handling

Low coverage score

COMPANY HIGHLIGHTS

In Independence, Missouri, State Farm is ranked as the most affordable auto insurer. The company also received a good customer satisfaction rating, so it's the best for drivers looking for a very low rate alongside great service.

State Farm provides a variety of policyholder-appealing discounts. Discounts are available for bundling policies, insuring multiple cars, installing airbags and safe driving, just to name a few. There are other opportunities to receive a discounted premium, such as insuring new vehicles and being a senior driver. Student drivers can also make the best of its good student and distant student discounts. Having safety features on your vehicle, like anti-lock brakes and an anti-theft system, can also make you eligible for further rate reductions.

State Farm’s policyholders who have cars with factory-installed daytime running lights (DRL) can also expect a discounted rate from the insurer.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Independence

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.