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.
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 |
Find Affordable Independence Rates
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 |
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?
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.
