Independence, MO Car Insurance

Explore average auto insurance rates in Independence, Missouri.

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How much is auto insurance in Independence?

 

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.

 
AUTO INSURANCE: INDEPENDENCE RATES VS. STATE + NATIONAL AVERAGES
Independence Average (yearly)Missouri AverageNational Average
$1,869$1,736$1,548
 
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Independence auto insurance rates by provider

 

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.

 
INDEPENDENCE CAR INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
State Farm$1,244
American Family$1,741
Progressive$1,823
Farmers$1,899
GEICO$1,925
 

Consult our expert guide to finding the best cheap car insurance.

 
 

Independence auto insurance premiums by age

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.

 
INDEPENDENCE AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage Annual Rate
Teenagers$7,109
20s$2,523
30s$1,813
40s$1,678
50s$1,549
60s$1,567
70s$1,902
 

Learn more about how age influences auto insurance rates.

 
 

Independence auto insurance premiums by gender and marital status

 

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.

 
INDEPENDENCE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,883
Male$1,869
Single$1,700
Married$1,700
Divorced$1,818
Widowed$1,786
 

Read more about the relationships between gender, marital status and insurance rates.

 
 

Independence auto insurance rates by accident and violation history

 

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.

 
AVERAGE INDEPENDENCE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DWI/DUI$2,576
Reckless Driving$2,586
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
 

Learn more about citations' impact on your auto insurance rates.

 
 

Independence car insurance rates by credit tier

 

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.

 
INDEPENDENCE CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit LevelAverage Yearly Rate
Very Poor$4,203
Fair$2,299
Good$1,869
Very Good$1,634
Exceptional$1,406
 

Get additional information on how credit impacts car insurance costs.

 

Compare quotes and find a policy today!

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.