Cheapest Car Insurance In Independence, MO 2025
Independence drivers looking for minimum coverage will find the best deal with GEICO, priced at $37 per month on average.
We’ve saved shoppers an average of $600 per year on their car insurance.
The hunt for the cheapest car insurance in Independence, MO can lead to very different price points.
GEICO is the most cost-effective choice for liability-only coverage. Progressive provides great value on full coverage, while State Farm offers low prices for younger drivers.
Cheapest Car Insurance In Independence, MO
Cheapest Liability-Only Car Insurance In Independence: Travelers
The cheapest minimum car insurance in Independence comes from GEICO, priced at roughly $37 per month.
See the table below to get a clear look at the rates from different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $43 | $516 |
| State Farm | $56 | $672 |
| Travelers | $35 | $420 |
| Shelter | $60 | $720 |
| American Family | $48 | $576 |
Cheapest Full Coverage Insurance Rates In Independence: Travelers
The lowest full coverage rates in Independence come from Progressive, with an average monthly quote of $92.
The chart highlights average quotes from Independence most affordable auto insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Shelter | $125 | $1,500 |
| Travelers | $82 | $984 |
| Allstate | $106 | $1,272 |
| State Farm | $128 | $1,536 |
| American Family | $87 | $1,044 |
Cheapest Car Insurance Rates For Seniors: State Farm
Seniors in Independence pay about $87 a month with State Farm, making it the most budget-friendly option.
This table breaks down the average quotes for seniors from the cheapest car insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| MO Farm Bureau Services | $96 | $1,152 |
| State Farm | $85 | $1,020 |
| Cameron Mutual Group | $110 | $1,320 |
| USAA | $63 | $756 |
| Safeco | $90 | $1,080 |
Cheapest Rates In Independence For Teenagers: USAA
Teens in Independence looking for affordable car insurance will find the lowest average rates—$313 a month—through State Farm.
The table below highlights the providers offering the most budget-friendly car insurance for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $228 | $2,736 |
| Cameron Mutual Group | $179 | $2,148 |
| MO Farm Bureau Services | $251 | $3,012 |
| USAA | $125 | $1,500 |
| State Farm | $214 | $2,568 |
Cheapest Auto Insurance For Young Adults in Independence: USAA
With an average rate of $238 a month, State Farm has the best deals for young adult drivers in Independence.
Below, you can compare the lowest-priced car insurance rates for young adults in Independence.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $147 | $1,746 |
| USAA | $90 | $1,080 |
| Allstate | $175 | $2,100 |
| State Farm | $144 | $1,728 |
| MO Farm Bureau Services | $163 | $1,956 |
Cheapest Car Insurance In Independence For Good Drivers: Travelers
GEICO offers the lowest car insurance quotes for responsible drivers in Independence, with monthly premiums of $37 on average.
The table below provides a comparison of average quotes from affordable insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $45 | $540 |
| Shelter | $64 | $768 |
| American Family | $50 | $600 |
| Travelers | $38 | $456 |
| State Farm | $58 | $696 |
Find Affordable Independence Rates
Cheapest Car Insurance In Independence After A Speeding Ticket: Progressive
State Farm is cheaper than many other insurance companies in Independence, with rates averaging $176 a month for drivers who have a speeding ticket.
Below, you can compare average rates for drivers who have received a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $58 | $696 |
| Progressive | $50 | $600 |
| State Farm | $75 | $900 |
| Shelter | $62 | $744 |
| Travelers | $53 | $636 |
Cheapest For Drivers With After At-Fault Accident: Travelers
State Farm is the most affordable option for drivers with an at-fault accident, offering average monthly rates of $193.
These car insurance companies provide the best deals for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $67 | $804 |
| American Family | $59 | $708 |
| Shelter | $80 | $960 |
| Travelers | $55 | $660 |
| Progressive | $64 | $768 |
Cheapest Rates In Independence For Drivers After A DUI: Progressive
Independence drivers who’ve had a DUI can save the most with State Farm, which charges an average of $188 per month.
See the table below to find the cheapest insurance options for drivers with a DUI in Independence.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $56 | $672 |
| State Farm | $65 | $780 |
| Progressive | $48 | $576 |
| Shelter | $79 | $948 |
| Travelers | $60 | $720 |
Best Car Insurance Companies In Independence
AAA has the lowest insurance rate for Independence drivers, with premiums starting at $83 a month. Progressive and GEICO also offer competitive rates at $90 and $93 a month.
Below is a ranking of the top 10 car insurance companies in Independence, MO, sorted by the average monthly rate they charge.
| Company | Monthly Premium |
| Travelers | $84 |
| USAA | $95 |
| GEICO | $103 |
| MO Farm Bureau Services | $120 |
| State Farm | $126 |
| Shelter | $129 |
| Progressive | $138 |
| Allstate | $143 |
| Clearcover | $155 |
| American Family | $170 |
Average Auto Insurance Rates In Independence – By Age
The age of a driver is one of the most important factors in determining car insurance costs. Because younger drivers have less experience and a higher chance of accidents, they usually pay more. Teens can expect to spend about $7,599 per year on insurance.
At age 25, many drivers experience a decrease in their insurance rates, assuming they’ve kept a clean driving record.
The lowest insurance premiums are often given to drivers in their 50s and early 60s. Age helps insurance companies determine driving experience and risk, which plays a role in setting premium prices.
| Age | Average Yearly Rate |
| Teenagers | $2,772 |
| 20s | $2,352 |
| 30s | $1,836 |
| 40s | $1,704 |
| 50s | $1,392 |
| 60s | $1,452 |
| 70s | $1,488 |
Average Rates In Independence- By Vehicle
The kind of car you drive plays a major role in determining your insurance premium. Insurers assess the make, model, year, and body style of your car. Typically, newer and luxury vehicles, with advanced technology and higher replacement costs, result in higher insurance rates.
Use the table below to find out the average insurance premiums in Independence for various vehicles.
| Vehicle | Average Monthly Rate |
| Toyota Prius Prime | $575 |
| Chevrolet Tahoe | $327 |
| Nissan Sentra | $322 |
| Ford Edge | $278 |
| Nissan Altima | $250 |
How Much Is Car Insurance In Other Cities in Missouri?
The city where you live is an important factor in determining your car insurance costs. Insurance companies evaluate risks such as accidents, theft, and vandalism, which tend to be higher in cities, causing premiums to rise.
For instance, drivers in Los Angeles face an average insurance rate of $243 a month, compared to $176 per month for residents of San Diego.
| City | Average Monthly Rate |
| Joplin | $125 |
| Florissant | $226 |
| Jefferson City | $110 |
| Columbia | $123 |
| Kansas City | $175 |
| Chesterfield | $147 |
| Saint Charles | $158 |
| Lee’s Summit | $130 |
| Cape Girardeau | $136 |
| Springfield | $132 |
Average Cost Of Auto Insurance In Independence – By Zip Code
Insurance providers use zip codes to assess crime rates in specific areas, which is why car insurance rates differ depending on your zip code.
Use the table below to find out the average car insurance rates for various zip codes in Independence.
| City | Average Monthly Rate |
| 64057 | $143 |
| 64053 | $159 |
| 64056 | $138 |
| 64055 | $160 |
| 64058 | $125 |
Find Affordable Independence Rates
Our Methodology
I’ve crafted a detailed overview of car insurance providers in Independence, MO, based on a comprehensive review of customer service, pricing, product options, and insights from online user reviews.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Independence?
GEICO offers the most budget-friendly rates for minimum coverage in Independence, and Progressive is the top choice for full coverage, including collision and comprehensive.
What is the average cost of car insurance in Independence?
Car insurance in Independence generally costs around $180 per month, but your rate could change based on factors like your zip code, vehicle year and model, and driving history.
