Independence Car Insurance

The Zebra
May 30, 2018

Car Insurance in Independence

Premiums in Independence, which are $77 greater than Missouri's average, are recognized for being costly. So if you are insuring a vehicle in Independence, saving money is critical. Keep some money in your pocket by following the tips below about how to save on car insurance in Independence.

  • City Average: $1,411
  • State Average: $1,334
  • National Average: $1,427

Independence Car Insurance by Credit Rating

There is a disparity of $1,948 per year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). Moving from Very Poor (300-579) to Fair (580-669) has the greatest positive impact on premiums, as it saves drivers approximately $552 per year.

  • Very Poor: $3,138
  • Fair: $2,484
  • Good: $1,932
  • Very Good: $1,510
  • Exceptional: $1,190

Independence Car Insurance by Age

Drivers in their 50s save money on car insurance premiums, as they have the smallest rates among all age groups, paying only $1,188 a year. People in their 60s ($1,205) aren’t paying significantly more. Car insurance premiums are highest for teenage drivers, with average rates of $5,628 per year. The most significant decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Independence start saving an average of $3,663 on car insurance. The first time drivers can anticipate their age to trigger a rise in rates is when they turn 60.

  • Teenagers: $5,628
  • 20s: $1,965
  • 30s: $1,379
  • 40s: $1,294
  • 50s: $1,188
  • 60s: $1,205
  • 70s: $1,460

Independence Car Insurance by Gender and Marital Status

Car insurance premiums in Independence differ based on your marital status as well as gender. Rates for those who are widowed or divorced are marginally cheaper than rates for those who are single. Being single can cost you an average of $83 more per year compared to being married. Males have premiums that are cheaper than those for females, but only by a small margin.

  • Female: $1,424
  • Male: $1,411
  • Single: $1,411
  • Married: $1,328
  • Divorced: $1,383
  • Widowed: $1,394

Independence Car Insurance by Accident or Violation History

Do you realize how much an accident or violation history can cost you in terms of car insurance rates? Even among safe drivers, accidents happen, so be prepared and learn how your rates can change after one. Being at-fault in an accident costs drivers an additional $648 per year in premiums compared to the city average. In Independence, drivers with a DUI have rates that exceed the city average ($1,411) by $599. Reckless driving will also drive your rates up, with typical rates of $1,984, which are 41% higher than the city average.

  • DUI: $2,010
  • Reckless Driving: $1,984
  • At-fault Accident (damages less than $1000): $2,059
  • At-fault Accident (damages greater than $2000): $2,059
  • Speeding Ticket (16-20 mph over speed limit): $1,781

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