Cheapest Car Insurance In Independence, MO 2025

Independence drivers looking for minimum coverage will find the best deal with State Farm, priced at $37 per month on average.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 07 May 2025
Written by Bob Phillips
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The hunt for the cheapest car insurance in Independence, MO can lead to very different price points.

State Farm is the most cost-effective choice for liability-only coverage. Allstate provides great value on full coverage, while USAA offers low prices for younger drivers.

Cheapest Car Insurance In Independence, MO 2025

Cheapest Liability-Only Car Insurance In Independence: State Farm

The cheapest minimum car insurance in Independence comes from State Farm, 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
State Farm $37 $444
American Family $63 $756
Allstate $52 $624
Nationwide $87 $1,044
GEICO $55 $660

Cheapest Full Coverage Insurance Rates In Independence: Allstate

The lowest full coverage rates in Independence come from Allstate, with an average monthly quote of $94.

The chart highlights average quotes from Independence most affordable auto insurance companies.

Provider Average Monthly Cost Average Annual Cost
Allstate $94 $1,128
Progressive $144 $1,728
GEICO $106 $1,272
Nationwide $165 $1,980
American Family $119 $1,428

Cheapest Car Insurance Rates For Seniors: USAA

Seniors in Independence pay about $61 a month with USAA, 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
USAA $61 $732
Safeco $92 $1,104
State Farm $85 $1,020
Cameron Mutual Group $105 $1,260
MO Farm Bureau Services $94 $1,128

Cheapest Rates In Independence For Teenagers: USAA

Teens in Independence looking for affordable car insurance will find the lowest average rates—$124 a month—through USAA.

The table below highlights the providers offering the most budget-friendly car insurance for teens.

Provider Average Monthly Cost Average Annual Cost
USAA $124 $1,488
MO Farm Bureau Services $251 $3,012
Cameron Mutual Group $177 $2,124
USAA $125 $1,500
State Farm $214 $2,568

Cheapest Auto Insurance For Young Adults in Independence: USAA

With an average rate of $90 a month, USAA 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
USAA $90 $1,080
Clearcover $155 $1,860
Allstate $180 $2,160
State Farm $144 $1,728
MO Farm Bureau Services $167 $2,004

Cheapest Car Insurance In Independence For Good Drivers: State Farm

State Farm 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
State Farm $37 $444
American Family $63 $756
Allstate $52 $624
Nationwide $87 $1,044
GEICO $55 $660

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Cheapest Car Insurance In Independence After A Speeding Ticket: USAA

USAA is cheaper than many other insurance companies in Independence, with rates averaging $42 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
USAA $42 $504
Progressive $99 $1,188
State Farm $50 $600
Allstate $67 $804
Travelers $120 $1,440

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 $52.

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 $52 $624
Allstate $70 $840
Clearcover $119 $1,428
Travelers $127 $1,524
Progressive $106 $1,272

Cheapest Rates In Independence For Drivers After A DUI: State Farm

Independence drivers who’ve had a DUI can save the most with State Farm, which charges an average of $64 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
State Farm $64 $768
American Family $104 $1,248
Progressive $122 $1,464
Shelter $126 $1,512
Travelers $149 $1,788

Best Car Insurance Companies In Independence

State Farm has the lowest insurance rate for Independence drivers, with premiums starting at $37 a month. Allstate and GEICO also offer competitive rates at $52 and $55 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
State Farm $37
American Family $63
Allstate $52
Nationwide $87
GEICO $55
Clearcover $78
Shelter $83
Auto-Owners $90
Safeco $96
National General $101

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 $2,793 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 $2,793
20s $2,370
30s $1,854
40s $1,717
50s $1,407
60s $1,466
70s $1,508

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 Florissant face an average insurance rate of $226 a month, compared to $110 per month for residents of Jefferson City.

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 $149
64053 $159
64056 $144
64055 $159
64058 $125

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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.

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Quotes Analyzed

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Brands Reviewed

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Years Of Experience

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Research Hours

FAQs

Who has the lowest car insurance rates in Independence?

State Farm offers the most budget-friendly rates for minimum coverage in Independence, and Allstate 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 $150 per month, but your rate could change based on factors like your zip code, vehicle year and model, and driving history.

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