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How much is car insurance in Independence?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Independence are about the same as the rest of Missouri.
However, when compared to the national average, the cost for auto insurance in Independence is lower. The average monthly payment in Independence is about $4 less than the rate for the rest of the United States.
Bear in mind that while these rates are the average costs for Independence drivers, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, we've broken down average rates for Independence residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. Drivers in Independence may see their rates start to rise again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Independence, however, the difference in the monthly cost of coverage is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Independence, a driving record with a single accident will usually get you a rate around $89 a month. In addition, drivers with one ticket can expect to pay around $94 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$73|
In Independence, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $64 per month for insurance coverage.
SUV drivers will see rates of about $70, while the rates for car owners average out to about $83 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Independence, the most expensive vehicles to insure are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$81|
Overall, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Independence is no exception, with the difference totaling to around $15 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $4 less than drivers who own property in Independence. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in Independence, MO
Recent trends in car insurance for Independence drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for car insurance in Independence declined from 2017-2019, before steadying out in 2020. They finished up in 2022, at $78 a month
How does Independence compare to neighboring areas?
Why are car insurance rates in Independence different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Area crime rates
- Amount of off-street parking
- Total number of drivers in the region
- Regional regulations
- Frequency of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Independence?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering plans in Independence.
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Independence Insurance FAQs
What factors affect car insurance quotes in Independence?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Independence different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Independence?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Independence?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Independence or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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