Independence, MO Auto Insurance
Compare auto insurance quotes in Independence, MO. Choose from Travelers, Safeco, Nationwide and dozens of other top companies.
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Updated October 2, 2024
How much is auto insurance in Independence, Missouri?
The average auto insurance cost in Independence is $904 per year according to our client data. That's 4% higher than the Missouri state average.
The average in the United States is $639, putting Independence 29% higher than the rest of the country. Some factors in determining premiums include historical weather patterns, theft data, claims history, local labor costs and credit score.
| Auto insurance in Independence vs Missouri | Average annual cost |
|---|---|
| Independence | $904 |
| Missouri | $874 |
How do I get the cheapest auto insurance in Independence, MO?
Shop around
Shopping around is a good place to start. Rates fluctuate with insurance companies over time so if you haven't shopped in a while it may be a good idea to do so. Partners Insurance is an insurance brokerage so we're able to shop multiple companies for you. We know the area well and are familiar with the most competitive insurance companies.
Shop in advance
Make sure you shop early to get the advanced quote (early bird) discount because it can be quite large. In order to earn this discount you need to get a quote 7-10 days before you make the policy effective.
Get tickets reduced with an attorney
Use an attorney to get traffic violations reduced to a lesser charge. Tickets can affect your rate for 3-5 years. It's almost always cheaper to pay the attorney fees than to pay higher car insurance rates for several years.
Increase your credit score
Let your agent know if your credit score has increased. Insurance companies use an insurance score to determine how much you'll pay. Your credit score is one of the largest factors in your overall insurance score.
Work with a proactive agency
Work with an agency who performs annual reviews, like we do, to stay on top of your auto insurance and identify areas of improvement. Things change like how many miles you drive to work, retirement or accidents or tickets falling off your record. Our annual reviews allow us to stay on top of your policy and not let it become outdated which can cause you to be paying more than you should.
Who are the best auto insurance companies in Independence, MO?
Cincinnati is the best auto insurance company in Independence, MO in our opinion. While there is no single insurance company that will be the best for everyone, they're a solid choice based on our personal experience working with them. Their overall outstanding reputation inside the insurance industry also shows they're doing things right.
Not all insurance companies that offer Missouri auto insurance will be available in Independence. Sometimes they restrict access in certain cities or zip codes based on their profitability.
Some factors determining the right fit could be:
Best insurance companies in Independence
| Rank | Company | Reasoning |
|---|---|---|
| #1 | Cincinnati | One of the strongest auto insurance policies available. Very few coverage exclusions. Not always the cheapest but you get what you pay for. |
| #2 | Travelers | Exceptional claims process. Long standing A-rated company who has always done right by our clients. |
| #3 | Safeco | Liberty Mutual is their parent company. Over 100 years in business and dedicated to delivering their policies through the independent insurance agency channel. |
| #4 | Nationwide | Peyton Manning is in their commercials so they must be winners right? In all seriousness, Nationwide is a great company with strong financial backing. Claims are handled well and the policy is strong. |
| #5 | Progressive | A household name everyone recognizes. Progressive continues to be a leader in auto insurance. They are further down on our list because claims handling could be a little stronger. |
How did we determine the rankings?
Our rankings are based on our real world experience working with insurance companies in Independence over the last 15 years. We consider our personal experience placing clients with different carriers. We feel this real life experience is more valuable than some anonymous survey!
Our rating criteria includes rate stabilization, financial stability, customer service and ease of doing business among other factors. As an independent insurance agency, we can choose from over 2 dozen auto insurance companies for our clients.
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Independence, MO auto insurance discounts
Did you know you could save up to 40% on your premium just by taking advantage of discounts? It's a good idea to periodically check with your agent and review your policy.
Some of the biggest discounts are:
Check out our complete list of 24 auto insurance discounts here to help you get the best deal possible.
Independence, MO auto insurance coverage
Some of the basic coverages on auto insurance policies are for liability, comprehensive and collision. There are also endorsements available such as roadside assistance, rental reimbursement and GAP coverage.
Basic coverages
| Coverage type | What it covers |
|---|---|
| Bodily Injury Liability | Bodily injury you have caused someone else when you're at-fault. |
| Property Damage Liability | Your responsibility for damages to other vehicles or property. |
| Medical Payments | Covers you and your passengers regardless of fault. Can help cover health insurance deductibles. |
| Comprehensive | Covers damage to your car for events such as hail, theft and flood. |
| Collision | Covers collision with another vehicle or object. |
| Uninsured Motorist | Covers bodily injury to you and your passengers when someone else is at-fault and doesn't have auto insurance. |
| Underinsured Motorist | Pays for bodily injury to you and your passengers when someone else is at-fault and has inadequate coverage. |
Check out our full list of auto insurance coverage options along with our recommendations.
Should I purchase roadside assistance?
Roadside Assistance typically includes services such as towing, jump starts, flat tire repair and helping you if you locked your keys in the car. Towing can many times be the most costly depending on how far you need to go.
With Independence being a populated area, there are plenty of auto repair shops close by so a tow probably won't cost any more than $50 - $75. It may be worth skipping this coverage and paying out-of-pocket if you have newer vehicles that are unlikely to break down. Another benefit to self-insuring your roadside assistance is you will avoid these showing up as claims on your record.
Some insurance companies won't count roadside assistance claims against you. However, some will. They may remove a claims-free discount which could in turn cost you way more money than the $50 reimbursement you received for the tow.
However, you may prefer the ease of mind of having this coverage. If so, you have a couple options. You can either add it to your auto insurance policy or you can purchase it separate through another company such as AAA. They are the most reputable towing subscription service and have been doing it a long time. A huge benefit is you can use the service as much as you need and the claims won't affect your auto insurance premium.
What auto insurance deductible should I choose?
Your auto insurance deductible is the amount you pay before your insurance coverage applies. For example, if your claim is for $5,000 and you have a $500 deductible, you'll receive $4,500 to cover the damages. The most common deductibles our customers choose are between $500 - $1,500 although you can choose much higher.
We advise our clients to choose deductibles that are no higher than their emergency savings. While it's great to save money by electing higher deductibles, you could burden yourself financially if you don't have enough to cover them.
You typically won't have a single deductible for all claim types. Also, you can choose different deductible amounts for different coverages. For example, you may choose a $500 deductible for Comprehensive coverage and $1,000 for Collision coverage.
Deductible types
| Coverage | Common deductible options |
|---|---|
| Comprehensive | $500 - $5,000 |
| Collision | $500 - $5,000 |
| Glass | $0 - $500 |
Other personal insurance policies
We offer many other personal insurance policies such as home, motorcycle, boat, life, umbrella, rental property and more. The more you bundle, the more you can potentially save.
Another great benefit to having all your policies with one agency is only having to call one place with any questions you may have. Whether that be for renewals, claims or billing, our customer service delivers a smooth and connected experience.
Driving in Independence, MO
Independence has a population of 123,011 who reside inside of about 78 square miles. There are 51,251 households with an average of 2.36 people per household.
The mean travel time to work is 23.9 minutes, so it's not likely you'll earn a low mileage discount unless you work from home or are retired.
20% of residents age 25 and over have a Bachelor's degree or higher. This can earn you an education discount so don't forget to tell your agent if this applies to you.
Data sources are the United States Census Bureau and World Population Review.
Should I file a police report for a car accident?
You should always file a police report if you're involved in a car accident. Not all police departments will dispatch an officer to the scene but they will at least take the report over the phone.
Without a police report, or witnesses, the other party can change their mind once they figure out it's your word versus theirs. If this happens, you'll likely be held 50% at-fault in Missouri. On your insurance cliams history, it counts as an at-fault accident no matter what percentage you're considered at-fault. Don't let this happen to you!
Police departments serving Independence, MO
| Police department | Non-emergency phone number | Address |
|---|---|---|
| Independence Police Department | 816-325-7300 | 223 N Memorial Dr, Independence, MO 64050 |
Partners Insurance is a proud supporter of law enforcement, first responders and all emergency services professionals. Thank one of these brave men and women today for helping keep us all safe.
Frequently Asked Questions
The average cost for auto insurance in Independence is $904/yr for minimum coverage on a single car.
- Shop around and compare insurance quotes.
- Shop early to get the early bird discount.
- Use an attorney to get traffic violations reduced.
- Let your agent know if your credit score has increased.
Some of the biggest discounts are:
- Multi-policy
- Accident-free
- Violation-free
- Multi-vehicle
- Low mileage
- Good student
- Early bird
Check out our complete list of 24 auto insurance discounts.
Cincinnati Insurance is our top pick for auto insurance in Independence, MO.
We also like:
#2 Travelers
#3 Safeco
#4 Nationwide
#5 Progressive
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