Independence, MO Auto Insurance | Cheap Car Insurance in Independence, MO

Auto insurance rates in Independence, MO can be as low as $43/mo. Finding affordable auto insurance in Independence, MO will be made easier shopping around at all the auto insurance companies in Independence, MO. Read our review and get quotes for Independence, MO auto insurance today.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 17, 2020

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Are you in need of cheap auto insurance in Independence, MO? With, you will discover the best insurance policy where you live. In order to obtain free insurance quotes for Independence, MO auto insurance offered by the top providers immediately, input your local zipcode into the quote box here on this page.

The history of Independence, Missouri dates all the way back to the pioneer days of early American settlement. The city grew up from the intersection of the Santa Fe, Oregon, and California trails, which were popular migration routes for westward-bound settlers. Independence is also well known as a haven for members of the Community of Christ church.

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Auto Insurance Coverage Requirements in Missouri

Driving legally in Independence requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Keep in mind that Insurance plans are very limited. And Uninsured Driver Bodily Injuries pays your hospital bills once the not insured driver hits you, but you will be requiring to pay back for car repairs. As being a driver, it’s your responsibility to buy just as much coverage as you can to be capable of staying protected and safe on the highway.

The standard Missouri driver pays about $101 monthly for vehicle insurance. However, based on our analysis, Independence drivers will get insured for under $43/mo*, knowing the best way to shop. Keep reading through, and we’ll inform you by mentioning the finest special discounts you’re going to get for your policy in your area.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate Allied Cal Casualty State Farm Safe Auto 3570105140175210245280315$42$107$36$153$36Do Not Sell$37$127$56$330

Allied, State Farm, and Cal Casualty are presently providing the cheapest rates within the Independence area. But they are reduced rates the only real metric to base your choice on? How about their customer support reviews? Or their claims filing process? Keep in mind that you will find many things to consider prior to you making your final decision.

Insurance providers contemplate many factors when establishing insurance quotes, especially marital status, driving violations, credit score/rating, education, and current insurance coverage and limits. Also, premiums could vary from business to business. To make sure you’re still getting the best cost, evaluate cheap car insurance in Independence, MO on the internet.

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Major Car Insurance Factors in Independence

There is a wide array of various items that can factor into the rate quotes you receive. Although many specific things aren’t actually something you can do something about, some of them are factors that you can change for the better. Here are some elements which may affect your automobile insurance premium:

Your Zip Code

Your car insurance rates may vary according to where you call home. Generally, highly populated urban centers feature increased auto insurance rates as the additional amount of motorists on the road boosts the chance of a car accident! The population of Independence is 117,240 and the average household earnings are $42,298.

Auto Insurance by Zip CodeLegend: Kansas City St. Louis Columbia Independence Springfield Allstate Allied Cal Casualty State Farm Safe Auto 51015202530354045505560$40$46$33$42$34$42$44$29$36$31$42$47$28$36$35$44$49$28$37$35$59$63$45$56$45


Automotive Accidents

Take a look at the chart below. The rate of serious accidents per capita was slightly high for the year 2013. High rates of accidents in your zip code might mean that you will have to pay more each month for your automotive insurance.

Fatal Accidents in Independence, MOLegend: Independence Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 24681012141618209129202

Auto Thefts in Independence

Residing in a major metropolis (Chiefly any that has a substantial crime rate) raises your risk of becoming a victim of auto thieves. Should your general locality features higher rates of auto theft claims filed, you can expect to spend much more for vehicle insurance to be able to counterbalance these prices. The total number of stolen vehicles in 2013 was 792 for Independence. This means you’re at a great risk for auto theft – but you can rest easy if you have Comprehensive coverage on your policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allstate Allied Cal Casualty State Farm Safe Auto 102030405060708090100110120130$42$118$36$79$36$134$37$105$56$107


Your Credit Score

Many people don’t understand how important their credit rating happens to be when identifying their car insurance rates. For those who have a bad credit score, your rate per month is often as high as double or triple those rates charged by people with perfect credit.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Allstate Allied Cal Casualty State Farm Safe Auto 102030405060708090$40$57$32$49$28$61$29$69$49$93


Your Age

Statistics reveal that the fewer years you have behind the wheel, the greater the likelihood your driving can cause an accident. To offset the chance of a potential accident, most teenage motorists are required to pay for much greater rates than their older adult counterparts. However, youthful drivers can help to save cash with Good Student or Motorists Education discount rates.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate Allied Cal Casualty State Farm Safe Auto 3570105140175210245280315$42$107$36$153$36Do Not Sell$37$127$56$330


Your Driving Record

A clear driving history will enable you to get the cheapest rate, while accidents and tickets will lift up your monthly cost. A lot of citations, or serious violations like a Drunk driving arrest, might create a lack of coverage altogether. Make sure to speak to your insurance provider about Accident Forgiveness discount rates to be able to reduce your cost.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Allied Cal Casualty State Farm Safe Auto 102030405060708090100110$42$47$54$58$36$52$119$58$36$42Do Not Sell$49$37$41$41$44$56$66$83$83

Your Vehicle

Luxury automobiles will certainly be more expensive to repair/replace, require more coverage, and therefore, cost an additional expense for insurance. Less pricey and average cars, however, typically don’t cost as much to insure. You may also be capable of eliminate some types of pricey coverage for older or used automobiles.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Allied Cal Casualty State Farm Safe Auto 153045607590105120135150$42$151$36$81$36$151$37$133$56$124


Minor Car Insurance Factors in Independence

Surprisingly, most people don’t know (or aren’t aware of how exactly) the following factors can influence their rates each month:

Your Marital Status

If you are part of a couple, there’s very good news: it will save you money on your automotive insurance coverage in the event you bundle them together. As single people, however, you won’t save greatly being married versus a common-law relationship.

Your Gender

Gender has very little substantial effect on your rate per month. A lot of companies don’t charge different rates according to gender whatsoever. There are still some old-fashioned providers who do, though, but thankfully such acts of discrimination rarely amount to more than a 1-2% penalty.

Your Driving Distance to Work

While the average trip to work can last anywhere from 19 to 36 minutes at a stretch, with 22-25 minute commutes being the most common. The majority of residents require their own car in order to get around (80%), but 14% manage to carpool.

You can drive as great a number of miles as you would like each year, and for reasons that are entirely your own – driving more miles, or only commuting for pleasure will not create a huge increase in your monthly premium. However, business automobiles have about 10% greater insurance costs, so be aware of this for tax and/or business purposes.

Your Coverage and Deductibles

To improve your coverage without emptying your wallet, speak to your insurance carrier about raising your deductible. This can decrease your monthly rates, while making coverage less expensive. Obviously, it will likewise make repairs and charges more costly should you ever need to file claims.

Education in Independence, MO

Nearly 38% of Independence residents have achieved a high school diploma or an equivalent thereof. 17% haven’t quite yet completed all four years of high school. But did you know that going back to school could help lower your auto insurance rate? It’s true! Providers love giving discounts to those who have gone on to achieve advanced degrees – even more so than drivers with high salaries or specific careers.

For those prospective students seeking a four-year degree, there is a satellite campus of Graceland University located in Independence. It is a private institution affiliated with the Community of Christ which specializes in liberal arts. There is also the Metropolitan Community College Blue River campus which is well known for having a strong performing arts program and training for EMT-paramedics as well as firefighters.

Locating affordable automobile insurance can easily end up being a headache. There’s lots of important information to think about, and figuring out precisely how insurance agencies assess your potential risk might be complicated. But don’t allow the wrong insurance agency to convince you to buy an insufficient policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

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Free Auto Insurance Comparison

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