Independence, MO Auto Insurance Rates

Independence, MO residents can save $520 by comparing multiple quotes & reading reviews & research on Independence car insurance rates, quotes, agents & coverage.

Compare Quotes from Top Providers and Save now!

$890 $1302 $2545

Latest Auto Insurance Reviews in Independence, Missouri

State Farm
THey have been helpful - I use state farm for both, I like my agent and his staff. I am just not sure about the cost anymore.
State Farm
I would recommend my current car insurance company because my premium and deductible are a fair cost for the services I receive.
Safeco Insurance
It is similar to other companies but cheaper. Therefore, I am really happy about the offerings. I would recommend to others!
I would recommend simply out of the respect I have for their easy to use website and app. I was able to add a vehicle while sitting in the tag office with no problem.
Ashley Swegle Agency
I like his design because he is very creative, his logo represents a lot of the company and I like his way of working
Im not too smart when it comes to auto insurance as I never had to know the ins and outs. (Im only 19) however, from what every other adult has told me, AAA is the best when it comes to insurance. My family has never had issues with paying too much money.
State Farm
My insurance agent has personally been great for me, very helpful and informative. The customer support has been among the best things about the car insurance. Overall, I'd rate my satisfaction with these parameters a 4.
There really is nothing that I dislike except for that the rates creep slowly up every 6 months upon renewal, even though I haven't gotten in an accident in 13 years.
Haulers Insurance
The premium I pay is almost half as much as other companies that I checked out. I looked at about half a dozen other providers.
Write Your Review | Independence, Missouri Auto Insurance Analysis
Safeco Insurance, Independence, MO
$96/1 month
Car Insurance Policy Holder
  • Divorced 41 Years old Male licensed 4 years ago with Own Hyundai Genesis used for Business with estimated annual mileage of 20,001+.
  • Doctors & Full Time Job.
  • No accidents , Issued traffic ticket previously , No DUIs , Licence suspended previously.
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Independence Car Insurance Rate Comparisons

Independence, MO's average car insurance of $1302 differs from Lee's Summit, MO (-$212), Sibley, MO (+$798), Fort Osage, MO (+$398) and Missouri (+$336)

Independence Lee's Summit, MO Sibley, MO Fort Osage, MO Missouri
Median Insurance Rates $1302 -$212 +$798 +$398 +$336

Independence Car Insurance Savings By Neighborhood & Street Area

Independence Driver Street Residence & Car Locations Car Details in Independence Independence Driver Demographics Independence Auto Insurance Estimates Recent Independence Insurance Savings
East Independence
E James Downey Rd2001 Cadillac DeVille DHS19 year teenager$4214$600
S Whitney Dr2006 Buick Rendezvous CX38 year man$1800$976
Other Area
S Lynn Ave2005 Chevrolet Silverado 2500HD Work Truck81 year female senior$1396$405
E Delaware Dr2008 Audi A4 2.0T quattro18 year female teenager$3724$720
Pink Hill
NW State Hwy 72005 Jeep Grand Cherokee Limited53 year married woman$974$703
S Owens School Rd2009 Ford Fusion V6 SEL41 year woman$1125$793
S Whitney Dr2006 Acura TSX Base17 year male teenager$4254$898
E Downey Ave2007 Chrysler 300 C68 year senior$1446$412
N Sunny Nook School Rd2010 Mazda MAZDASPEED3 Sport48 year married man$1563$339
E Howell Rd2012 Dodge Journey SXT75 year male senior$1346$557

Independence Post DUI Car Insurance Rates

Independence Unity Village Blue Raytown Missouri
Median Post DUI Insurance Rate $2421 +$1652 +$1522 +$13 +$625
Male Teenager Post DUI Insurance Rate $7386 +$5036 +$4640 +$39 +$1904
Female Teenager Post DUI Insurance Rate $6078 +$4144 +$3819 +$32 +$1568

The Post DUI insurance in Independence, MO's is $2421 compared to Unity Village (+$1652), Blue (+$1522), Raytown (+$13) and Missouri (+$625)

In Independence, a male teenager with Post DUI pays $1308 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2005 Chevrolet Silverado 2500HD Work Truck in Independence, MO would pay $7010 on auto insurance while a female teenager POST DUI would pay $5769.

Independence Car Insurance by Segment

Independence Teenagers Car Insurance Rates Comparison

6425 Independence Teenagers (5% of total population), 53% Male & 47% Female.

Independence Sugar Creek Fort Osage Claycomo Missouri
All Teenagers $3593 +$2589 +$1099 +$1899 +$927
Male Teenager $3971 +$2861 +$1214 +$2098 +$1024
Female Teenager $3268 +$2354 +$999 +$1726 +$843

Independence teenagers pay $3593 in insurance in contrast with Sugar Creek (+$2589), Fort Osage (+$1099), Claycomo (+$1899) and Missouri (+$927). The difference between Male & Female teenagers in Independence is $703


  • 2013 Nissan Rogue S Male Teenager Insurance Rate $3885
  • 2014 Hyundai Sonata GLS Female Teenager Insurance Rate $3099

Independence Men & Women Car Insurance

116513 Independence Adults (100% of total population), 48% Men & 52% Women.

Independence Brooking Glenaire Lake Tapawingo Missouri
All Women $1210 +$752 +$278 +$770 +$313
Married Women $1106 +$687 +$254 +$704 +$286
All Men $1822 +$1132 +$418 +$1160 +$471
Married Men $1601 +$994 +$367 +$1018 +$413

The typical insurance rate of $1822 that Independence Men pay varies from Brooking (+$1132), Glenaire (+$418), Lake Tapawingo (+$1160) and Missouri (+$471). In Independence, married men pay $495 more than married women.


  • 2014 Volkswagen Jetta TDI Married Men Insurance Rate $1698
  • 2013 Toyota Prius Two Married Women Insurance Rate $1517

Independence Senior Car Insurance

24866 Independence Seniors (21% of total population), 42% Senior Men & 58% Senior Women.

Independence Sibley Birmingham Brooking Missouri
All Seniors $1419 +$870 +$1022 +$880 +$366
Senior Men $1367 +$838 +$985 +$848 +$352
Senior Women $1471 +$902 +$1060 +$913 +$379

Independence seniors pay $1419 in insurance compared to Sibley (+$870), Birmingham (+$1022), Brooking (+$880) and Missouri (+$366). In Independence, senior men pay $104 less than senior women.

Independence Car Insurance Discounts for Multiple Vehicles

Independence Population with 1 Vehicle 17569 (37% of Independence population), 2 Vehicles 18398 (39% of the Independence population) and 3 vehicles 5863 (12% of the population)

Independence Raytown Blue Buckner Missouri
2 Vehicles $2474 +$14 +$1554 +$1516 +$639
3 Vehicles $3776 +$21 +$2372 +$2314 +$975
4 Vehicles $5078 +$28 +$3190 +$3112 +$1311

Car Insurance Agents in Independence, MO

Rank Agent Name Agent Contact
1 Larry Crum & Assoc LLC 18616 E Arrowhead Ln, Independence, MO 64056-1105

Independence Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
BMW, X6 XDrive 35i $100 $1450 $1550 $1360 $1460 $90
Ford, Explorer $1000 $1260 $1760 $1210 $2210 $-450
Porsche, 911 Carrera $400 $1360 $1760 $1280 $1680 $80
BMW, X5 35D $700 $1310 $1810 $1200 $1900 $-90
Nissan, 370Z Nismo $200 $1370 $1570 $1290 $1490 $80