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 Average||National Average|
Compare rates side-by-side:
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
|Company||Average Rate (annual)|
Independence auto insurance premiums by age
The age group that enjoys the lowest auto insurance rates in Independence are drivers in their age_50s, who pay an average of $1,549per year. Those in their age_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 tier||Average Annual Rate|
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/Gender||Average Annual Rate|
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/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|
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 Level||Average Yearly Rate|