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Get Cheap Car Insurance in Independence, KS
We monitor insurance prices, helping the average driver in Independence save up to 29.5% on car insurance.
The Cheapest Minimum Coverage in Independence
The chart below shows the cheapest car insurance company in Independence for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Kemper, Farm Bureau, and Travelers.
| Independence Insurer | Monthly Cost |
|---|---|
| State Farm | $51 |
| Kemper | $53 |
| Farm Bureau | $55 |
| Travelers | $56 |
Savings for Every Kind of Independence Driver
Based on our extensive insurance data, we know the average Independence driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $367 per year by choosing the right vehicle insurance company. Some Independence residents are paying out over $1,549 extra every year for auto insurance in Independence. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Independence, KS Savings / Yr. |
|---|---|
$367 |
|
$585 |
|
$418 |
|
$684 |
|
$1,334 |
|
$340 |
|
$743 |
Independence Car Insurance vs. Kansas
People living in Independence pay an average of 1.02% less than the typical driver in the state. The average driver in Independence can expect to pay about $834 per year, or $1,549 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Independence for most people.
Car Insurance Prices by Independence Neighborhood
Insurance Prices
Where is insurance cheapest within Independence?
The map shows insurance prices in and around Independence, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $97 per year within the city boundaries, with insurance premiums ranging from a high of $1,615 to a low of $1,518. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Independence.Pick the Best Car Insurance Company for You in Independence
The best car insurance provider for most drivers in Independence
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $367 over the average Independence car insurance company.
The best car insurance provider for Independence drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $585 over the competition.
The best car insurance company for Independence drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $418 better than other car insurance companies.
The best auto insurance for Independence drivers with a DUI conviction
Getting a quote from Dairyland may cost the average person with a DUI about $684 less each year.
The least expensive car insurance company for new and young drivers in Independence
In Independence, Geico costs young drivers $1,334 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Independence
State Farm gave the largest car insurance discounts to married couples, averaging $340 saved each year compared to an average Independence couple's premiums.
The cheapest car insurance in Independence for drivers with bad credit
The best Independence car insurance company for customer service
Nationwide was the best company for customer service in Independence according to the NAIC.
Recent price drops
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The cheapest large national provider in Independence
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Independence driver can expect to pay about $100 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Independence, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, drivers with a DUI conviction, and married couples.Auto Insurance Prices in and Around Independence
What Influences the Cost of Car Insurance in Independence?
On average, car insurance in Independence is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Independence is 19 minutes, which is far less than average for a driver in the state.
- Kansas state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Independence are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Independence is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Independence is $70 per month for minimum coverage and $129 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Fruitland: Insurance costs 0.06% less
- Lehunt: Insurance costs 0.45% less
- Sycamore: Insurance costs 0.39% less
- Corbin: Insurance costs 0.06% more
- Jefferson: Insurance costs 1.68% less
- Liberty: Insurance costs 0.06% more
- Cherryvale: Insurance costs 0.58% more
- Wayside: Insurance costs 1.29% less
- Elk City: Insurance costs 0.13% less
- Mound Valley: Insurance costs 1.36% less
Cities with Similar Populations
- Granite Falls: Insurance costs 3.68% less
- Gunnison: Insurance costs 16.40% more
- Groton: Insurance costs 3.10% less
- Grosse Pointe Farms: Insurance costs 101.48% more
- Grosse Ile: Insurance costs 93.54% more
- Grinnell: Insurance costs 21.11% less
- Greenwell Springs: Insurance costs 108.33% more
- Greenville: Insurance costs 30.66% less
- Greenville: Insurance costs 0.32% less
- Greensboro: Insurance costs 11.36% more