Explore average auto insurance rates in Independence, Missouri.
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The average cost of car insurance in Independence, Missouri, is $1,869 each year. That's more expensive than the average across Missouri ($1,736) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Independence.
|Independence Average (yearly)||Missouri Average||National Average|
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Independence, State Farm offers the cheapest premiums for the typical insurance buyer. We've gathered the best cheap car insurance companies in Independence below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
|Company||Average Rate (annual)|
The age group that enjoys the lowest auto insurance rates in Independence are drivers in their 50s, who pay an average of $1,549 per year. Those in their 60s don't pay significantly more ($1,567).
The Independence drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in Independence and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Independence is $4,586, the largest such difference between any two age groups.
|Age tier||Average Annual Rate|
Marital status and gender are contributing factors to car insurance rates in many cases. In Independence, married drivers pay $169 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Independence, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. In Independence, female drivers pay more for auto insurance than do male drivers: $14 per year, to be precise.
|Marital Status/Gender||Average Annual Rate|
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Independence drivers found guilty of reckless driving face insurance rate increases of $717 per year, compared to the citywide average. A DUI violation may lead to a $707 increase, while a citation for speeding leads to a $430 rate hike.
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,577|
|At-fault Accident (damages greater than $2,000)||$2,829|
|Speeding Ticket (16-20 mph over speed limit)||$2,299|
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Independence drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 67% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Independence, improving your credit to "Fair" could help you earn a $1,904 decrease in yearly insurance premiums.
|Credit Level||Average Yearly Rate|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.