Independence, MO Car Insurance

Drivers in Independence pay around $78 a month for their car insurance. Learn more in our handy guide below.
What rates should residents of Independence expect to pay for their car insurance? Are rates in Independence higher or lower than those in neighboring areas? How do they compare to the rest of Missouri? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Independence?

Area Average Monthly Car Insurance Premium
Independence$78
MO$77
United States$80

According to the chart above, the rates you'll pay for coverage in Independence are about the same as what you would pay anywhere else in Missouri.

Conversely, when compared to the national average, the cost for auto insurance in Independence is lower. Auto insurance coverage in Independence is about $2 cheaper than it is for the rest of the United States.

While these are the average monthly costs for auto insurance coverage in Independence, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

Don't sweat it however, we've broken down average rates for Independence residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$250
18-24$124
25-34$76
35-44$67
45-54Not Enough Data
55-64$52
65+$58

The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Independence drivers may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$76
Female$79

Female drivers pay, on average, slightly less than their male counterparts. While this isn't true in Independence, the difference in monthly rates is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$89
Multiple Accidents$73
1 Ticket$74
Multiple Tickets$112

Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Independence with a single accident on their record will usually see rates around $89 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $74 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$70
2-3 Years$98
4-5 Years$85
6-7 Years$97
8-10 Years$87
11-14 Years$74
15 Years or Older$71

The cheapest vehicles to insure in Independence are typically trucks and vans, with each type typically costing about $63 per month.

SUV drivers will see rates of about $70 for car insurance coverage, while car owners by and large pay around $83 per month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. 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)$82
Married$68
Divorced$56
Widowed$56

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The difference in rates based on relationship status in Independence is about $14 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$76
Rent$76
Live with parents$88

Another factor that comes into play is your living accommodations. Whether rent your home or own property in Independence, you can expect to pay around $76 per month.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Independence, MO

Recent trends in car insurance for Independence drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

In Independence, the rates for car insurance had been increasing from 2016-2017, before trending downward from 2018-2019. They finished down in 2021, at $71.

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 a monthly rate, car insurance companies will consider several factors. Many factors affecting your policy are based around where you live. These factors include things like:

  • Road Safety (frequency of local car accidents)
  • Crime rates
  • Regional regulations
  • Number of drivers
  • Off-street parking accessibility

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Independence?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Independence.

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Independence Insurance FAQs

What factors affect car insurance quotes in Independence?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, address, marital status and driving record.

Why is the cost of car insurance in Independence different from other neighboring cities?

Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Independence?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Independence?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Independence or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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