Cheapest Auto Insurance in Independence, Missouri (2025)
Progressive offers the cheapest car insurance in Independence, with minimum-coverage policies as low as $77 per month.
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The fifth-largest city in Missouri, Independence has a population of around 121,000 residents.1 Its drivers pay $152 per month for car insurance on average, which exceeds the national average of $143 and the state average of $133. Despite the relatively small population, the city has a higher-than-average crime rate, which likely contributes to the city’s high auto premiums.
The cheapest insurers in the state include USAA, Progressive, and State Farm. Comparing quotes from multiple insurers is the best way to find cheap coverage.
Here’s what you should know about finding cheap auto insurance in Independence.
Quick Facts
Independence drivers pay $111 per month for liability and $193 for full-coverage insurance, on average.
Missouri operates under an at-fault system, which means the person responsible for a car accident must cover the other driver’s injury and damages.
Auto insurers in Missouri can consider your credit history when determining premiums.
Cheapest car insurance companies in Independence
You have a range of cheap car insurance options to choose from in Independence. What company works best for you will depend on your unique insurance needs and budget.
State Farm, Allstate, and USAA are three of the best insurers selling coverage in the city. Learn more about coverage options, pros and cons, and more below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
Best insurer for teen drivers: Allstate
Best insurer for military community: USAA
How to get the cheapest car insurance in Independence
Car insurance rates vary based on your driving record and insurance company. To find the cheapest car insurance in Independence for your needs, use the following tips:
Review many options. Check out multiple insurance companies and compare discounts, coverage types, and quotes.
Bundle multiple policies. Many companies offer discounts for bundling multiple policies. For example, you can save on coverage by getting an auto insurance policy and a homeowners insurance policy from the same company.
Increase your deductible. To decrease your auto insurance premiums, you can increase your deductible in exchange for lower premiums. This does mean you’ll have to pay more out of pocket if you file a claim.2
Cheapest liability-only car insurance in Independence: Progressive
Like most states, Missouri requires drivers to carry minimum levels of liability coverage. Liability-only insurance provides limited protection for your vehicle. Essentially, it only covers your liability and pays out for damages or injury to the other driver.3 Because liability-only insurance provides less financial protection than full coverage, it's best for drivers who own their vehicles outright, and who drive older, less-expensive cars.
The cheapest insurer for liability-only car insurance in Independence is Progressive, with an average cost of $77 per month. Find more of the cheapest liability-only car insurance options in Independence below.
Cheapest full-coverage car insurance in Independence: State Farm
Full-coverage insurance typically includes the liability insurance mandated by your state as well as collision and comprehensive coverage. Drivers in Independence should consider full-coverage insurance for additional benefits and safeguards in a variety of situations. If you finance or lease your car, your lender may even require you to purchase it.
On average, drivers pay $193 per month for full-coverage insurance in the city. Here are the best options for full-coverage car insurance in Independence.
Car insurance requirements in Missouri
Missouri has an at-fault system, which means the driver responsible for the car accident must cover the other party’s related vehicle repairs and medical expenses. Because Missouri is a “pure comparative fault” state, how much a driver can get for damages depends on their percentage of fault in the accident.3
In the state of Missouri, all drivers must carry minimum levels of bodily injury and property damage liability car insurance.4 Here are the specific coverage limits drivers in the state must adhere to:
In addition to the required coverage in Missouri, you may want to purchase optional coverage to provide more vehicle protection:
Cheapest car insurance for drivers with an incident
Driving incidents can range in severity from minor moving violations and speeding tickets to at-fault accidents and DUIs. The higher the risk you pose, the more you’ll pay for auto coverage. When you have incidents on your record, insurance companies may think you’re more likely to file a claim.5
How much your premium will increase depends on the severity of your incident and whether you have other recorded violations. On average, Independence drivers with an incident pay $175 per month for car insurance.
Best cheap car insurance for drivers with a speeding ticket: USAA
Driving within the speed limit is a key component of safe driving. Going beyond the stated limit can reduce your reaction time and increase the likelihood of an accident. If caught by law enforcement, you could get a speeding ticket, which can result in fines and increased car insurance rates. Insurance companies assess risk, and driving too fast puts everyone in danger.
Independence drivers with a past speeding ticket pay $184 per month for car insurance, on average. Review these insurance companies to find your cheapest coverage options.
Best cheap car insurance for drivers with an at-fault accident: USAA
Car accidents can cause property damage, injury, or death. If you cause an accident, your car insurance company will increase your rates because you demonstrate an elevated amount of risk.
On average, drivers in Independence with an at-fault accident on their record pay $197 per month. You can find the cheapest car insurance quotes from the following companies.
Best cheap car insurance for drivers with a DUI: USAA
Driving requires focus and quick reflexes. Drinking alcohol or taking other substances affects your ability to drive safely. That’s why driving under the influence — or as Missouri refers to it, driving while intoxicated (DWI) — is such a big deal.
Getting a first DUI/DWI can lead to a license suspension for 90 days. Consequences increase in severity for additional convictions.6 Because driving while intoxicated puts all drivers at risk of injury or death, a DUI/DWI conviction can lead to significant rate increases.
If you’re a driver in Independence and have a DWI, you may need to look for coverage elsewhere. Here are the cheapest car insurance options for drivers with a DUI. On average, drivers with a past conviction pay $245 per month.
Cheapest car insurance for seniors: USAA
Your age affects how much you pay for car insurance. Senior drivers generally get some of the most affordable coverage, and around 17.9% of people in Independence are age 65 or older. Beginning at age 35, rates trend downward for drivers. However, drivers age 70 and older may face increased rates from insurers accounting for aging-related risk factors.7
Here are the cheapest car insurance options for seniors in Independence. Senior drivers pay an average of $128 per month for coverage.
Best cheap car insurance for teens: USAA
In Independence, 22.9% of residents are younger than 18 years old. Unfortunately, young drivers pay the highest car insurance rates due to their lack of driving experience and tendency to engage in risky driving behaviors, like speeding, distracted driving, and higher rates of fatal car crashes.8
Teen drivers can find a few ways to earn cheaper coverage. Most insurers offer teenagers good student discounts for high school and college students who maintain a high GPA. Teens should also join their parents’ policy and complete an approved driver safety course to get the most competitive pricing.
Here are the cheapest car insurance options for teenagers in Independence. On average, teenagers in the city pay $284 per month.
Independence car insurance quotes by credit tier
In Missouri, auto insurance companies can use your credit history as a risk factor when setting rates.6
Drivers with good or excellent typically earn the best rates. Independence drivers with poor credit scores pay more than twice as much for car insurance than drivers with excellent credit. Here are the average rates for full-coverage insurance by credit tier in Independence.
Is car insurance more expensive in Independence?
Drivers in Independence pay $152 per month for car insurance, which exceeds the national average of $143 per month. It’s also higher than the Missouri state average of $133 per month.
Additionally, most cities in Missouri — besides St. Louis — have more affordable car insurance rates than Independence. Costs fluctuate based on ZIP code, population density, and crime rates. Independence has higher-than-average crime rates, which may explain the city’s more expensive premiums.
More cities in Missouri
Car insurance in Independence tends to cost more than many other cities in Missouri. Joplin has the most affordable coverage in the state, with the biggest price difference compared to Independence. See average rates for different Missouri cities below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Independence car insurance FAQs
Before you start shopping around for car insurance, you should decide how much coverage you need. The information below should answer any of your remaining questions and help you navigate the process of buying car insurance in Independence.
How much is car insurance in Independence?
The overall cost of car insurance in Independence is $152 per month. Drivers in the city pay $111 per month for liability coverage and $193 for full-coverage insurance, on average.
What company has the cheapest car insurance in Independence?
Progressive has the cheapest car insurance in Independence. On average, drivers pay $77 per month for liability coverage from Progressive. The best way to find the cheapest coverage for your insurance needs is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Independence?
With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and solid customer satisfaction rankings from J.D. Power, State Farm is the best car insurance company in Independence. Other top insurers include Allstate and USAA.
What are Missouri’s minimum requirements for auto insurance?
Drivers in Missouri must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.
Is it illegal to not have car insurance in Missouri?
Yes. It’s illegal not to have car insurance in the state. Failure to provide proof of insurance can result in points on your record, court-ordered supervision, or license suspension.
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