Auto Insurance in Independence

You can find competitive auto insurance in Independence, MO. 
Compare, shop and customize quotes from top-rated insurance carriers.

Drive With Peace of Mind in Independence

Independence, MO, is the Queen City of the Trails located a few miles from Kansas City and on the south bank of the Missouri River. You can explore many beautiful scenic drives, from Old Trails Road and Waterfall Park to the Blue Buck Knob Scenic Byway. However, before you get out on the road, you should review the coverage you have under your car insurance in Independence.

The busy city of Independence, MO, has a high population density. With a population of 121,202 in  77.99 miles. you will find 50,293 householders with 1577.3 people per square mile. Average households have two vehicles, and the city experienced 18 fatal accidents in 2021. The most dangerous stretch of road is where 24 Highway meets North Blue Mills Road. 

Fortunately, the weather in the area is moderate, reaching highs in the upper 70s in the summer and upper 40s in the winter. Unfortunately, Independence has a higher-than-normal rate of tornados. with an index of 304.47 to Missouri's 214.01 and the national rate of 136.45. Despite being on the Missouri River, the flood rate is relatively low, as only 10% of properties in the next 30 years have a 26% chance of flooding.

Auto Insurance in Independence, MO

The Department of Revenue outlines the minimum amount of insurance you need in Missouri. You should purchase $25,000 for bodily injury insurance per person, $25,000 per accident for property damage costs and $50,000 for bodily injury insurance per accident. You should always have proof of your insurance available in your vehicle. You can also file proof of your financial responsibility or get a certificate of self-insurance from the Department of Revenue. 

Your insurance rates. which average $1,384 for minimum coverage in Independence, are  higher than the Missouri average as well as the U.S. national average of $622 due to the population density and accident rate. In addition, Independence, MO, has a high rate of property crime at a rate of 35.88 per 1,000 residents compared to a Missouri rate of 23.78 per 1,000 and vehicle thefts at a rate of 8.16 per 1,000, compared to the national rate of 2.68 per 1,000. Missouri is also an at-fault state, and accidents can increase your rates. 

Options for Auto Insurance in Independence

Although you can find public transportation through the IndeBus system, the routes tend to be somewhat limited. Therefore, you need a vehicle for running errands and getting to and from work. The average resident experiences a 24.2-minute commute, so auto insurance in Independence is important. 

In addition to the minimum requirements, you can add underinsured and uninsured motorists coverage. General liability insurance likely won't cover damage to your vehicle, but you can purchase comprehensive coverage that will. You may also need additional coverage to replace your vehicle if it gets stolen or vandalized and for minor damage and repairs, such as your windshield. Our agents at VIU by HUB can guide you if you feel unsure about the type and level of coverage you need. 

Finding Auto Insurance in Independence That Is Right for You

When you search for auto insurance in Independence, MO, you may find a wide variety of options and rates. Consider the coverage you need based on your neighborhood and vehicle usage. You can compare rates from multiple insurers using VIU by HUB. 

This information is intended for general informational purposes only and is not intended to constitute legal advice. 



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