Best Independence, MO Auto Insurance in 2025 (Find the Top 10 Companies Here)

The best Independence, MO, auto insurance companies are Allstate, American Family, and Geico, with rates starting at $23 per month for comprehensive coverage.

These top and well-known providers are renowned for providing exceptional assistance and affordable rates for your budget and vehicle requirements.

Our Top 10 Company Picks: Best Independence, MO Auto Insurance

Read our car insurance guide to better understand the different Independence auto insurance providers, what they are best known for, and the different types of car insurance.

Enter your ZIP code now to begin comparing rates and coverages among top providers and learn how to save on your car insurance.

#1 – Allstate: Top Overall Pick

Pros

• Forgiveness for First Accidents: This program is ideal for drivers in Independence who don’t want to pay higher rates after the first accident.
• Personalized Local Agent Service: This is one of the best providers in Independence that values in-person customer assistance.
• Drivewise Safe Driving Perks: Allstate is known as one of the best providers in Independence that offers driver savings programs.

Cons

• Pricier With Our Loyalty: It is not the cheapest Missouri auto insurance provider, especially for ineligible drivers.
• Extra Features Add-Up: As mentioned in our Allstate auto insurance review, some add-ons can make your Independence premium expensive.

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#2 – American Family: Best for User-Friendly App

Pros

• Convenient Mobile Experience: American Family is one of the best providers in Independence, offering an easy-to-use mobile app.
• Big Savings on Combined Policies: It offers a 25% discount when a driver in Independence combines his policies.
• Young Driver Support: New and young motorists in Independence can benefit from its discounts.

Cons

• Not for Out-of-State Moves: Availability is limited in Independence, as our American Family auto insurance review mentioned.
• Slower Claims in Some Cases: Some policyholders in Independence report that their claims are being handled slowly.

#3 – Geico: Best for Affordable Rates

Pros

• Budget-Friendly Monthly Premiums: It offers one of the most competitive premiums in Independence, making it an ideal option for drivers.
• Always-On Customer Service: This insurance provider offers excellent customer service at all times, making it one of the best options in Independence.
• Extensive Discount Catalog: This is a well-known provider for its savings opportunities in Independence, as noted in our Geico auto insurance review.

Cons

• Few Local Offices: Geico can not be seen everywhere, making it inconvenient for some Independence drivers.
• Claims Feel Less Personal: Independence residents prefer in-person assistance, which this company lacks.

#4 – State Farm: Best for Local Network

Pros

• Trusted Agent Availability: State Farm is one of the top insurers in Independence, especially for those who want face-to-face assistance.
• Drive Safe & Save Perks: This feature is one of the best options for Independence drivers who want to be rewarded for cautious driving.
• Highly Rated Claims Handling: State Farm consistently provides dependable support in Independence, as noted in our State Farm auto insurance review.

Cons

• Not Ideal for Price Shoppers: State Farm is not the cheapest provider in Independence, which can be a drawback for some drivers.
• Less Flexibility Online: This is not the most web-friendly option among locals, making Independence drivers look for other providers.

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#5 – Progressive: Best for Snapshot Program

Pros

• Tech-Driven Discounts: Progressive is a leading pick in Independence for drivers who want to save on their insurance.
• Flexible for Higher-Risk Drivers: This is an ideal option for accident-prone drivers in Independence, as noted in our Progressive auto insurance review.
• Custom Pricing Tools: This is one of the most favorite providers in Independence for its easy policy management.

Cons

• Impaired Driving May Cost You: Independence drivers who use Snapshot might pay more if they become careless.
• Mixed Reviews on Claims: Some feedback from local drivers in Independence suggests Progressive’s service has become more efficient.

#6 – Farmers: Best for Personalized Support

Pros

• Tailored Coverage Options: Farmers are renowned for customizing Independence drivers’ policies that are specific to their needs.
• Reputable Local Agents: Farmers is known for providing responsive personal assistance to Independence policyholders.
• Comprehensive Protection for New Vehicles: This is among the top Missouri providers offering car replacement policies.

Cons

• Higher Cost Without Deals: Premiums can be expensive compared to other providers in Independence, as mentioned in our Farmers auto insurance review.
• Basic App and Online Tools: It provides a less advanced mobile app, which can be a drawback for some drivers in Independence.

#7 – Travelers: Best for Bundling Options

Pros

• Big Savings on Multi-Policy Plans: The company has a 13% discount to Independence drivers who bundle their policies.
• Trusted Financial Backing: Travelers is renowned for its A++ ranking, providing peace of mind to Independence drivers.
• Built-In Accident Forgiveness: This feature may benefit local drivers in Independence by providing them with clean records.

Cons

• Less Impressive App Features: Our Travelers auto insurance review states that Travelers does not provide the ideal mobile app for Independence drivers.
• Not Ideal for Bare-Bones Coverage: This is not an ideal option for Independence drivers seeking legal minimum.

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#8 – Nationwide: Best for Safe-Driving Rewards

Pros

• SmartRide Usage-Based Discounts: Nationwide provides one of Independence’s toughest providers for rewarding low-mileage drivers.
• Deductible Drops Over Time: This program is one of the smartest picks for Independence drivers who are accident-free year after year.
• Versatile Policy Options: As our Nationwide auto insurance review stated, Nationwide is great for Independence drivers who want full coverage.

Cons

• App Has Mixed Reviews: Some drivers in Independence find the telematics app less reliable, a drawback for some policyholders.
• Not as Many Local Agents: There are fewer in-person options than other providers in Independence.

#9 – Liberty Mutual: Best for Family-Friendly Discounts

Pros

• Savings for Families and Multi-Car Owners: Independence families frequently choose this company for discounts.
• Add-On Flexibility: This is a top local option for drivers who want customizable coverages like gap and roadside.
• Good Teen Driver Programs: Independence parents trust Liberty Mutual for young drivers, as noted in our Liberty Mutual auto insurance review.

Cons

• Not the Cheapest Up Front: Car insurance quotes in Independence can be higher if you are not bundling or eligible for deals.
• Inconsistent Customer Service: Some Missouri drivers report uneven support during claims handling.

#10 – Dairyland: Best for Safe-Driver Discounts

Pros

• Tailored for High-Risk Drivers: Dairyland is a trusted insurer in Independence with a history of driving infractions or SR-22 needs.
• Rewards for Clean Driving Records: Ideal for drivers who want to improve their rates over time in the high-risk market.
• Flexible Payment Options: This is a popular choice in Independence for month-to-month affordability.

Cons

• Limited Policy Features: This provider is not as comprehensive as some renowned insurers in Independence, as noted in our cheap auto insurance review.
• Fewer Discount Opportunities: It does not offer savings avenues as other local providers.

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Auto Insurance Costs and Discounts in Independence, MO

This section will highlight the auto insurance discounts offered by top providers in Independence, MO. This will help you choose from top insurance providers and assess which will help you save on your auto insurance.

Independence, MO Auto Insurance Monthly Rates by Provider & Coverage Level

In addition to low base rates, many insurers offer discounts—such as safe driver, multi-policy, good student, and military savings—that can significantly reduce your premium.

Auto Insurance Discounts From the Top Providers in Independence, MO

Taking advantage of bundling options, especially for couples, can lead to even more significant savings, while factors like gender have minimal impact on pricing. Enter your ZIP code to see more discounts to avail and know more about high-risk driver insurance in Independence.

Read more: Car Insurance Discounts

Mandatory Minimum Auto Insurance Coverage in Independence, Missouri

Motorists must meet specific auto insurance coverage requirements to drive legally in Independence. The minimum required coverages include bodily injury liability at $25,000 per person and $50,000 per accident and property damage liability at $10,000.

Independence, MO Report Card: Auto Insurance Premiums

Uninsured motorist bodily injury coverage is also mandated at $25,000 per person and $50,000 per accident. While medical payments, collision, and comprehensive coverage are not legally required, many drivers opt for added protection.

Independence, MO Auto Accident & Insurance Claim Statistics

Independence’s most common coverage levels often exceed the minimums, with bodily injury liability typically at $100,000/$300,000 and property damage liability at $50,000.

Common optional coverages include medical payments at $5,000, collision with a $500 deductible, and Comprehensive with a $250 deductible. Keep in mind that Insurance plans are minimal.

Auto Insurance Monthly Rates in Independence, MO by Driving Record

Uninsured driver bodily injuries pay your hospital bills once the not-insured driver hits you, but you will be required to pay back for car repairs. As a driver, it’s your responsibility to buy as much coverage as possible to stay protected and safe on the highway.

Fatal Accidents in Independence, MO

The standard Missouri driver pays about $101 monthly for vehicle insurance. However, based on our analysis, Independence drivers will get insured for under $43/month, knowing the best way to shop.

Keep reading, and we’ll let you know about the best special discounts available for your policy in your area.

Key Factors That Impact Auto Insurance Rates in Independence

Your best car insurance rates in Missouri may vary depending on where you live. Generally, highly populated urban centers feature increased auto insurance rates as the additional number of motorists on the road boosts the chance of a car accident.

Residing in a major metropolis raises your risk of becoming a victim of auto thieves. Should your general locality feature higher rates of claims filed in auto theft, you can expect to spend much more for vehicle insurance to counterbalance these prices.

Auto Insurance Monthly Rates in Independence, MO by ZIP Code

Many people don’t understand how important their credit rating is when determining their car insurance rates. For those with a bad credit score, your monthly rate is often as high as double or triple that charged by people with perfect credit.

Auto Insurance Monthly Rates in Independence, MO by Provider & Coverage Type

Statistics reveal that the fewer years you have behind the wheel, the greater the likelihood that your driving can cause an accident. To offset the chance of a potential accident, most teenage motorists must pay much higher rates than their older adult counterparts.

However, young drivers can help save money with good student or driver’s education discount rates. A clear driving history will enable you to get the cheapest rate, while accidents and tickets will lift your monthly cost.

Auto Insurance Monthly Rates in Independence, MO by Credit Score

A lot of citations or severe violations, like a drunk driving arrest, might create a lack of coverage altogether. Speak with your insurance provider about accident forgiveness discount rates to lower your costs.

Auto Insurance Monthly Rates in Independence, MO by Provider, Age, & Gender

If you are part of a couple, there’s excellent news: it will save you money on your automotive insurance coverage if you bundle it together. As single people, however, you won’t save significantly by getting married compared to having a common-law relationship.

Gender has a minimal to substantial effect on your monthly rate. Many companies don’t charge rates that vary by gender. Some old-fashioned providers still do, but thankfully, such acts of discrimination rarely amount to more than a 1-2% penalty. Read more: Factors that Affect Your Car Insurance Premiums

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