Car Insurance in Independence, MO – Rates (2025) + Quote Comparisons

• Independence car insurance cost averages $2,704 per year for full coverage, or approximately $225 on a monthly basis.
• Independence car insurance costs an average of $6 per year more than the Missouri state average rate and $483 per year more than the average rate for all 50 states.
• Compact SUVs like the Mazda CX-5, Volkswagen Tiguan, Buick Envision, and Nissan Kicks get the nod for cheap car insurance in Independence.
• Models with the lowest cost car insurance in Independence in their automotive segment include the Toyota GR Corolla at $2,348 per year, Jaguar E-Pace at $2,526 per year, Acura Integra at $2,404 per year, and Chevrolet Tahoe at $2,540 per year.

How much is car insurance in Independence, MO?

Independence car insurance costs an average of $2,704 per year, which is 19.6% more than the U.S. overall average rate of $2,221. Average car insurance cost per month in Independence is $225 for full coverage auto insurance.

In the state of Missouri, the average car insurance expense is $2,698 per year, so the cost in Independence averages $6 more per year. When prices are compared to other cities in Missouri, the average cost of auto insurance in Independence is around $186 per year more expensive than in Springfield, $118 per year less than in Kansas City, and $650 per year cheaper than in St. Louis.

Driver age significantly impacts the price you pay for car insurance, so the list below illustrates this by showing average car insurance rates in Independence for different driver ages.

Average car insurance rates in Independence for drivers age 16 to 60

• 16-year-old rated driver – $9,627 per year or $802 per month
• 17-year-old rated driver – $9,325 per year or $777 per month
• 18-year-old rated driver – $8,356 per year or $696 per month
• 19-year-old rated driver – $7,613 per year or $634 per month
• 20-year-old rated driver – $5,438 per year or $453 per month
• 30-year-old rated driver – $2,882 per year or $240 per month
• 40-year-old rated driver – $2,704 per year or $225 per month
• 50-year-old rated driver – $2,396 per year or $200 per month
• 60-year-old rated driver – $2,244 per year or $187 per month

The next chart shows average Independence, MO, car insurance cost broken out not only by the age of the driver, but also by three different policy deductible amounts. Rates are averaged for all 2024 vehicle models including luxury models.

Average car insurance rates in the prior chart range from $1,900 per year for a policy with high physical damage deductibles for a 60-year-old driver to $6,322 per year for a 20-year-old driver with a low deductible policy.

When converted to a monthly cost, the average cost of car insurance per month in Independence ranges from $158 to $527.

Independence auto insurance rates vary considerably and are impacted by many different factors. The likelihood of significant rate variability emphasizes the need to get multiple car insurance quotes when shopping for the cheapest rate.

Popular models in Independence tend to be small or midsize cars like the Hyundai Elantra and Honda Accord and small or midsize SUVs like the Nissan Rogue, Chevy Equinox, and Ford Explorer.

Some additional popular vehicles from other segments include luxury cars like the BMW 530i and Tesla Model S, luxury SUVs like the Infiniti QX60 and Acura MDX, and models from the pickup truck segment like the Ford F-150 and Toyota Tacoma.

We will get into many more car rates coming up in the article, but before that, let’s take a look at the key concepts that we covered in the first section.

• Average cost per month ranges from $187 to $802 – That is the average auto insurance cost range for drivers aged 16 to 60 in Independence.
• Car insurance rates decline significantly between ages 20 and 30 – The average 30-year-old Independence, MO, driver will pay $2,556 less per year than a 20-year-old driver, $2,882 compared to $5,438.
• Auto insurance is cheaper as you age – Car insurance rates for a 60-year-old driver in Independence are $3,194 per year cheaper than for a 20-year-old driver.
• Independence car insurance rates are more expensive than the Missouri state average – $2,704 (Independence average) versus $2,698 (Missouri average)
• A low deductible policy costs more – A 40-year-old driver pays an average of $876 more per year for a policy with $250 deductibles versus $1,000 deductibles.

Which vehicles are cheapest to insure?

The models with the lowest cost average insurance prices in Independence tend to be compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Toyota Corolla Cross, and Hyundai Venue.

Average car insurance rates for those vehicles cost $2,198 or less per year, or $183 per month, for a full coverage policy.

Some additional vehicles that rank in the top 20 in our overall cost comparison are the Volkswagen Taos, Honda CR-V, Subaru Outback, and Acura RDX.

Average cost is slightly more for those models than the compact SUVs and crossovers that rank near the top, but they still have an average cost of $2,354 or less per year, or about $196 per month in Independence.

The next table breaks down the 40 models with the cheapest car insurance in Independence, sorted by average cost.

A table showing 40 vehicles with the cheapest insurance in Independence doesn’t do a great job of providing an overall view of the cost of auto insurance. A more thorough way to analyze rates for more vehicle models is to sort them by their automotive segment.

The next section of this article discusses the cost of auto insurance based on automotive segment. The rates shown will give you a good understanding of which vehicles have the most affordable car insurance rates in Independence. Then the subsequent sections show the 20 models with the most affordable insurance in each individual segment.

Car insurance rates by vehicle segment

If you’re shopping around for a different vehicle, it’s useful to have an idea of which categories of vehicles have cheaper insurance rates. As an example, maybe you’re curious if compact SUVs cost less to insure than midsize SUVs or if luxury models cost more to insure than regular vehicles.

The chart below shows the average cost of auto insurance rates in Independence for different vehicle segments. When looking at rates from a segment perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the least expensive rates, with high-performance exotic models having the highest average cost to insure.

Average rates by segment can be used for making an overall comparison, but rates range significantly within each automotive segment displayed above.

For example, in the midsize luxury SUV segment, average Independence insurance rates range from the Jaguar E-Pace costing $2,526 per year for full coverage insurance to the Mercedes-Benz AMG GLE63 costing $4,558 per year.

As another example, in the sports car segment, average rates range from the Mazda MX-5 Miata at $2,502 per year to the Mercedes-Benz SL 63 costing $5,556 per year.

In the upcoming sections, we will remove much of this variability by looking at the cost of auto insurance in Independence on a model level rather than a segment level.

Cheapest cars to insure in Independence, MO

Taking the top ranking in Independence for cheapest auto insurance rates in the car segment is the Toyota GR Corolla, at $2,348 per year. Second place is the Nissan Leaf at $2,368 per year, and coming in third is the Honda Civic, at an average of $2,394 per year.

Other models that have good average insurance rates include the Honda Accord, Chevrolet Malibu, Toyota Prius, and Kia K5, with an average cost to insure of $2,634 per year or less.

From a cost per month standpoint, auto insurance on this segment in Independence for a safe driver starts at around $196 per month, depending on your company and location.

The most budget-friendly non-luxury compact car to insure in Independence is the Toyota GR Corolla at $2,348 per year. For midsize cars, the Kia K5 is cheapest to insure at $2,604 per year. And for full-size sedans, the Chrysler 300 is the cheapest model to insure at $2,576 per year.

The next table ranks the cars with the cheapest average insurance rates in Independence, starting with the Toyota GR Corolla at $2,348 per year and ending with the Mazda 3 at $2,796 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Missouri.

Cheapest SUV insurance rates in Independence, MO

The cheapest SUVs to insure in Independence are the Subaru Crosstrek at $1,996 per year, the Chevrolet Trailblazer at $2,032 per year, and the Kia Soul at $2,112 per year.

Also ranking in the top 10 are SUVs like the Mazda CX-5, Buick Envision, Toyota Corolla Cross, and Ford Bronco Sport, with average rates of $2,216 per year or less.

Additional 2024 models that rank well include the Volkswagen Tiguan, Subaru Ascent, Subaru Outback, and Honda HR-V, which cost between $2,216 and $2,352 to insure per year in Independence.

Auto insurance in this segment for a safe driver starts at around $166 per month, depending on where you live and the company you use.

When vehicle size is factored in, the most budget-friendly non-luxury compact SUV to insure in Independence is the Subaru Crosstrek at $1,996 per year. For midsize models, the Honda Passport is the cheapest model to insure at $2,152 per year. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,540 per year.

The comparison table below ranks the twenty SUVs with the cheapest average auto insurance rates in Independence, starting with the Subaru Crosstrek at $166 per month and ending with the Subaru Ascent at $196 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see rates for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Independence car insurance quotes from top car insurance companies in Missouri.

Cheapest luxury car insurance rates in Independence

The #1 ranking in Independence for cheapest average insurance rates in the luxury car segment is the Acura Integra, with a cost of $2,404 per year. Second place is the BMW 330i costing $2,754 per year, ranking third is the Mercedes-Benz CLA250, costing an average of $2,782 per year, and ranking fourth is the Lexus IS 300, costing an average of $2,788 per year.

Also ranking well are models like the Cadillac CT4, Lexus RC 300, Lexus ES 350, and Mercedes-Benz AMG CLA35, with average cost of $2,844 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the BMW 230i, Audi S3, Lexus IS 350, BMW 228i, and Lexus RC 350 cost between $2,844 and $3,032 per year for auto insurance in Independence.

On a monthly basis, full-coverage car insurance in Independence on this segment for a good driver starts at an average of $200 per month, depending on the company and where you live.

The table below ranks the luxury cars with the lowest-cost car insurance rates in Independence.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Missouri.

Cheapest luxury SUVs to insure

Ranked at #1 in Independence for cheapest average insurance rates in the luxury SUV segment is the Acura RDX, with an average cost of $2,260 per year. Second place is the Lexus NX 250 costing $2,392 per year, and the third most affordable is the Cadillac XT4, at an average of $2,442 per year.

Other luxury SUVs that are affordable to insure include the Lexus NX 450h, Lincoln Corsair, Lexus NX 350h, and Lexus UX 250h, with average annual insurance rates of $2,606 per year or less.

In the lower half of the top 20 luxury SUVs to insure, SUVs like the Acura MDX, Lexus RX 350, Mercedes-Benz AMG GLB35, Infiniti QX60, and Lexus NX 350 average between $2,606 and $2,714 to insure per year in Independence.

Car insurance in this segment for an average middle-age driver starts at an average of $188 per month, depending on the company and your location.

The next table ranks the SUVs with the cheapest average auto insurance rates in Independence, starting with the Acura RDX at $2,260 per year ($188 per month) and ending with the Lexus RX 350 at $2,714 per year ($226 per month).

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Need rates for a different luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Independence car insurance quotes from top companies in Missouri.

Cheapest pickup truck insurance rates

Ranking at the top of the list for the lowest-cost Independence car insurance rates in the pickup truck segment are the Ford Maverick, Nissan Titan, Ford Ranger, Nissan Frontier, and Chevrolet Colorado. Insurance rates for these 2024 models average $2,622 or less per year, or around $219 per month.

Additional models that have affordable insurance rates are the Honda Ridgeline, Toyota Tacoma, GMC Canyon, and Hyundai Santa Cruz, with an average car insurance cost of $2,782 per year or less.

Auto insurance rates for this segment in Independence for a middle-age safe driver can cost as low as $199 per month, depending on where you live. The rate comparison table below ranks the pickups with the lowest-cost average auto insurance rates in Independence, starting with the Chevrolet Colorado at $199 per month and ending with the Ram Truck at $261 per month.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Missouri.

Cheapest sports cars to insure

The top five models for the cheapest Independence auto insurance rates in the sports car segment are the Mazda MX-5 Miata, Subaru WRX, BMW Z4, Ford Mustang, and Toyota GR86. Car insurance prices for these 2024 models average $3,032 or less per year.

Also ranking well in our comparison are models like the BMW M2, Subaru BRZ, Nissan Z, and Lexus RC F, with an average cost of $3,230 per year or less.

Ranking between positions 10 and 20, cars like the Lexus LC 500, Porsche Taycan, Chevrolet Corvette, BMW M4, Porsche 718, and Chevrolet Camaro cost between $3,230 and $4,578 per year for full-coverage insurance in Independence.

Full-coverage insurance in this segment for a safe driver can cost as low as $209 per month, depending on your location and insurance company.

The table below ranks the twenty sports cars with the lowest-cost average car insurance rates in Independence, starting with the Mazda MX-5 Miata at $2,502 per year and ending with the Porsche Taycan at $4,578 per year.

Need rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Independence.

Variability of Missouri car insurance rates

In order to reinforce the concept of the amount that car insurance cost can fluctuate for different applicants, the sections below show many different rates for five popular models in Independence: the Ram Truck, Toyota Corolla, Honda CR-V, Kia Sorento, and Toyota Camry.

The example for each vehicle shows average rates for different driver profiles to illustrate the difference in price when using different driver profiles.

Ram Truck insurance rates

In Independence, Ram Truck insurance averages $3,126 per year ($261 per month) and ranges from $2,592 to $7,200 for the driver ages and coverage limits in the insurance cost chart shown below.

The Ram Truck is part of the full-size truck segment, and other models from that segment that are popular in Independence, Missouri, include the Nissan Titan, Ford F150, and Toyota Tundra.

Toyota Corolla insurance rates

Car insurance for a Toyota Corolla in Independence averages $2,634 per year, or about $220 per month, and has a range of $2,186 to $6,036.

The Toyota Corolla is a compact car, and other similar models include the Chevrolet Cruze, Hyundai Elantra, and Honda Civic.

Honda CR-V insurance rates

Honda CR-V insurance in Independence costs an average of $2,306 per year, or around $192 per month, and ranges from $1,918 to $5,298.

The Honda CR-V belongs to the compact SUV segment, and additional models from the same segment that are popular in Independence include the Toyota RAV4, Mazda CX-5, and Nissan Rogue.

Kia Sorento insurance rates

Kia Sorento insurance in Independence averages $2,566 per year, or about $214 per month, and has a range of $2,134 to $5,892 per year for the driver characteristics shown in the cost chart below.

The Kia Sorento is classified as a midsize SUV, and other top-selling models from the same segment include the Ford Explorer, Ford Edge, Honda Pilot, and Kia Telluride.

Toyota Camry insurance rates

Toyota Camry insurance in Independence costs an average of $2,904 per year ($242 per month) and ranges from $2,414 to $6,676.

The Toyota Camry belongs to the midsize car segment, and other similar models include the Honda Accord, Hyundai Sonata, and Nissan Altima.

Tips for saving money on Independence car insurance

Shrewd drivers in Independence should always be thinking of ways to reduce their monthly auto insurance expenses, so run through the savings tips below and maybe you’ll find a way to save a little dough on your next auto insurance policy.

• Choose a vehicle that is more affordable to insure. The performance of the vehicle you drive is one of the primary factors in the cost of insurance. For example, a Hyundai Kona costs $1,076 less per year to insure in Independence than a Chevrolet Camaro. Insure vehicles with less performance to save money.
• Shop around for a better deal. Take a couple of minutes to get free car insurance quotes is a great way to save money. Rates change frequently and you are not locked into any one company.
• Compare car insurance quote before buying a car. Different cars have significantly different auto insurance rates, and car insurance companies can sell policies with a wide range of prices. Check rates before you upgrade you car so you can avoid price shock when you see your first insurance bill.
• Improve your credit to save money. Having an over-800 credit score could save around $425 per year compared to a slightly lower credit rating between 670-739. Conversely, a less-than-good credit score could cost around $492 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Avoid tickets to save money. To get cheap car insurance in Independence, it pays to avoid traffic tickets. As a matter of fact, just a couple traffic violations could possibly raise insurance rates by at least $718 per year. Major misdemeanors like driving under the influence could raise rates by an additional $2,510 or more.
• Remove optional coverage on older vehicles. Dropping physical damage coverage (comprehensive and collision) from vehicles whose value does not support the cost of the coverage can reduce the cost of auto insurance substantially.