Cheapest Car Insurance In Independence, MO 2024
State Farm is the most affordable option in Independence, offering minimum coverage at an average rate of $35 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Independence, MO, rates can vary significantly. State Farm is the best choice for liability-only coverage and also offers the most competitive rates for full coverage policies. For young drivers, USAA provides the lowest rates.
Cheapest Car Insurance Companies In Independence, MO 2024
Cheapest Minimum Coverage Car Insurance In Independence: State Farm
State Farm offers the lowest car insurance rates for minimum coverage in Independence, with an average cost of $35 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $50 | $600 |
| American Family | $55 | $660 |
| State Farm | $35 | $420 |
| Progressive | $55 | $660 |
| Nationwide | $40 | $480 |
Cheapest Full Coverage Rates In Independence: State Farm
State Farm provides the most affordable full coverage car insurance in Independence, with quotes averaging $85 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $130 | $1,560 |
| Nationwide | $90 | $1,080 |
| Allstate | $95 | $1,140 |
| State Farm | $85 | $1,020 |
| American Family | $88 | $1,056 |
Most Affordable Rates In Independence For Teenagers: USAA
State Farm offers the most affordable car insurance for teenage drivers in Independence, with average monthly premiums of $125.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $220 | $2,640 |
| Cameron Mutual Group | $170 | $2,040 |
| MO Farm Bureau Services | $250 | $3,000 |
| USAA | $125 | $1,500 |
| State Farm | $210 | $2,520 |
Cheapest For Seniors: USAA
USAA offers the lowest car insurance rates for seniors in Independence, with quotes averaging $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| MO Farm Bureau Services | $100 | $1,200 |
| State Farm | $80 | $960 |
| Cameron Mutual Group | $110 | $1,320 |
| USAA | $65 | $780 |
| Safeco | $85 | $1,020 |
Cheapest Car Insurance In Independence After A Speeding Ticket: State Farm
State Farm is significantly more affordable compared to other insurers, with average rates around $80 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $105 | $1,260 |
| Nationwide | $100 | $1,200 |
| Travelers | $120 | $1,440 |
| State Farm | $80 | $960 |
| Allstate | $110 | $1,320 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance rates for drivers with an at-fault incident, averaging $90 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $115 | $1,380 |
| American Family | $100 | $1,200 |
| Nationwide | $130 | $1,560 |
| State Farm | $90 | $1,080 |
| Travelers | $120 | $1,440 |
Cheapest Car Insurance In Independence For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers with a DUI in Independence, with average monthly premiums of $85.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $125 | $1,500 |
| American Family | $100 | $1,200 |
| Progressive | $150 | $1,800 |
| State Farm | $85 | $1,020 |
| Travelers | $145 | $1,740 |
Cheapest For Young Adults: USAA
USAA provides the lowest car insurance rates for young adults in Independence, with rates averaging around $85 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $155 | $1,860 |
| USAA | $85 | $1,020 |
| Allstate | $180 | $2,160 |
| State Farm | $145 | $1,740 |
| MO Farm Bureau Services | $160 | $1,920 |
Average Rates In Independence – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,820 |
| 20s | $2,400 |
| 30s | $1,800 |
| 40s | $1,740 |
| 50s | $1,320 |
| 60s | $1,380 |
| 70s | $1,440 |
Average Cost Of Auto Insurance In Independence – By Zip Code
| City | Average Monthly Rate |
| 64057 | $143 |
| 64053 | $160 |
| 64056 | $142 |
| 64055 | $155 |
| 64058 | $125 |
How Much Is Car Insurance In Other Cities in Montana?
| City | Average Monthly Rate |
| Joplin | $120 |
| Florissant | $214 |
| Jefferson City | $108 |
| Columbia | $118 |
| Kansas City | $174 |
| Chesterfield | $145 |
| Saint Charles | $145 |
| Lees summit | $125 |
| Cape Girardeau | $132 |
| Blue Springs | $132 |
Our Methodology
Based on a detailed analysis that includes customer service ratings, product offerings, pricing, and extensive reviews from various online sources, I've created a comprehensive overview of car insurance providers in Independence, MO.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Independence?
In Independence, State Farm provides the lowest rates for both the minimum coverage required by the state and full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Independence?
In Independence, the average cost of car insurance is approximately $145 per month. Rates can differ based on factors such as your zip code, the year and model of your car, and your driving history.
