Independence Auto Insurance Rates, Quotes, Agents & Reviews in MO

Independence, MO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Independence, MO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Independence, MO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Independence, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Independence, MO with that of other cities in and around Independence.

Independence Birmingham Sugar Creek Lake Tapawingo River Bend Blue Springs
Average Insurance Rates $1,367 $1,406 $1,415 $1,575 $1,554 $1,285

Independence, MO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Independence, MO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Independence $1,938 $1,637
Blue $1,535 $1,296
Lake Tapawingo $1,376 $1,162
Sugar Creek $1,309 $1,106
Jackson County $1,225 $1,034
River Bend $1,387 $1,172
Blue Springs $1,317 $1,113
Birmingham $1,570 $1,326

Independence, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Independence, MO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,436
20 Years $1,756
30 Years $1,353
40 Years $1,302
50 Years $1,205
60 Years $1,222
70 Years $1,423

Independence, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Independence, MO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,379 $355
3 Vehicles $3,568 $533
4 Vehicles $4,757 $711

Savings on 2 Vehicles bundle:$355

Savings on 3 Vehicles bundle:$533

Savings on 4 Vehicles bundle:$711

Independence, MO Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Independence, MO.

Location Average Insurance Cost Post DUI Insurance Rate
Independence $1,367 $1,950
Blue $1,427 $2,036
Lake Tapawingo $1,575 $2,247
Sugar Creek $1,415 $2,018
Jackson County $1,465 $2,090
River Bend $1,554 $2,217
Blue Springs $1,285 $1,833
Birmingham $1,406 $2,006

Independence, MO Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,173
Excellent (740-799) $1,339
Good (670-739) $1,424
Average (580-669) $1,858
Poor (300-579) $2,230

Independence, MO Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Baker Hallstrom Allstate 1587 NE Rice Rd, Lees Summit, 64086 (816) 792-2060
Scott Davidson State Farm 2866 S State Route 291, Independence, 64057-1208 816-373-0434
Chad Mitchell State Farm 3600 S Noland RD Suite A, Independence, 64055-1569 816-836-0114
Epic Insurance Travelers 4045 NE LAKEWOOD WAY STE 100, LEES SUMMIT, 64064 816-795-6600
Dingeldein Insurance Groupe None 16012 E 23Rd St S, Independence, 64055 None
Bill Boykin Farmers 6520 Raytown Rd, Raytown, 64133 (816) 737-0704
Traci Plemons State Farm 1214 S Noland Rd, Independence, 64055-1322 816-252-6882
Alicia Simmons Liberty Mutual 3340A Ne Ralph Powell Road, Lees Summit, 64064 1-816-525-2613
Carol Holder Farmers 708 NW R D Mize Rd Ste G, Blue Springs, 64015 (816) 229-4343
Jim Keal Insurance Agency None 11308 E 23Rd Street, Independence, 64052 None

Independence, MO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$60 $1,427
Driver's Failure In Showing Documents +$133 $1,500
Driving With An Expired Registration +$141 $1,508
Driving At A Considerably Slow Pace +$297 $1,664
Using A Cellphone While Driving +$313 $1,680
Running A Red Light +$319 $1,686
Speeding +$335 $1,702
Driving A Vehicle Without The Required Permission +$425 $1,792
Driving With An Expired/Suspended License +$921 $2,288

Independence, MO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,312
Active Disabling Device $1,312
Tracking Device $1,285
Passive Disabling Device $1,271

Latest Auto Insurance Reviews in Independence, MO | Back to Top

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.