Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Cheapest recent rates near Independence, Missouri
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $66/mo for full coverage in Independence and other Missouri cities.
*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The fifth-largest city in Missouri, Independence has a population of around 121,000 residents.[1] Its drivers pay $176 per month for car insurance on average, which exceeds the national average of $158 and the state average of $163. Despite the relatively small population, the city has a higher-than-average crime rate, which likely causes the city’s high auto premiums.
The cheapest insurers in the state include USAA, State Farm, and Allstate. Comparing quotes from multiple insurers is the best way to find cheap coverage.
Here’s what you should know about finding cheap auto insurance in Independence.
Quick Facts
Independence drivers pay $117 per month for liability and $235 for full-coverage insurance, on average.
Missouri operates under an at-fault system, which means the person responsible for a car accident must cover the other driver’s injury and damages.
Auto insurers in Missouri can consider your credit history when determining premiums.
Cheapest car insurance companies in Independence
You have a range of cheap car insurance options to choose from in Independence. What company works best for you will depend on your unique insurance needs and budget.
State Farm, Allstate, and USAA are three of the best insurers selling coverage in the city. Learn more about coverage options, pros and cons, and more below.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$71/mo
State Farm offers the cheapest average liability insurance coverage available to all drivers in Independence. For drivers who want more protection, the company offers competitively priced full-coverage car insurance. The company also offers savings for bundling your car and home insurance. It advertises potential savings of up to $1,073 for bundling these insurance policies.
Pros
Low rates
Bundling discounts available
AM Best financial strength rating of A++ (Superior)
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$50/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$95/mo
Teens in Independence should consider Allstate insurance agency for car insurance coverage because of its helpful smart-student discount. The company offers affordable liability and full-coverage options, so you can still enjoy low rates if you want more protection.
Pros
Smart-student discount available for teens
Low rates
Highly rated mobile app
Cons
Agents can only sell Allstate insurance
Below-average customer satisfaction ranking from J.D. Power
I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.
Hugh - October 29, 2024
Verified
Actual Crash Damages vs. Damages Quoted Over the Phone
There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.
Miriam - October 29, 2024
Verified
Best Overall
Check around before choosing. Allstate has been my choice for years.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$32/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$59/mo
Independence has a veterans’ hall in the Truman Memorial Building to commemorate residents who served in the military. For current and former military members — and their families — in Independence, USAA provides the best car insurance rates. The company offers low rates for liability and full-coverage insurance and has specific discounts tailored to the military community.
Pros
Low liability-only rates
On-base military discount available
AM Best financial strength rating of A++ (Superior)
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
…
How to get the cheapest car insurance in Independence
Car insurance rates vary based on your driving record and insurance company. To find the cheapest car insurance in Independence for your needs, use the following tips:
Review many options. Check out multiple insurance companies and compare discounts, coverage types, and quotes.
Bundle multiple policies. Many companies offer discounts for bundling multiple policies. For example, you can save on coverage by getting an auto insurance policy and a homeowners insurance policy from the same company.
Increase your deductible. To decrease your auto insurance premiums, you can increase your deductible in exchange for lower premiums. This does mean you’ll have to pay more out of pocket if you file a claim.[2]
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Cheapest liability-only car insurance in Independence: State Farm
Like most states, Missouri requires drivers to carry minimum levels of liability coverage. Liability-only insurance provides limited protection for your vehicle. Essentially, it only covers your liability and pays out for damages or injury to the other driver.[3]
The cheapest insurer for liability-only car insurance in Independence is State Farm, with an average cost of $37 per month. Find more of the cheapest liability-only car insurance options in Independence below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$37
Allstate
$50
GEICO
$55
American Family
$63
Clearcover
$74
Progressive
$76
Safeco
$78
Shelter
$83
Nationwide
$88
Auto-Owners
$91
State Auto
$92
Travelers
$92
Midvale Home & Auto
$98
Direct Auto
$99
Liberty Mutual
$102
National General
$106
AssuranceAmerica
$120
Dairyland
$120
GAINSCO
$120
The General
$123
Bristol West
$144
Foremost
$165
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Independence: USAA
Full-coverage insurance typically includes the liability insurance mandated by your state as well as collision and comprehensive coverage. Drivers in Independence should consider full-coverage insurance for additional benefits and safeguards in a variety of situations. If you finance or lease your car, your lender may even require you to purchase it.
On average, drivers pay $235 per month for full-coverage insurance in the city. Here are the best options for full-coverage car insurance in Independence.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$71
Allstate
$95
GEICO
$105
American Family
$120
Safeco
$135
Progressive
$145
Clearcover
$153
Shelter
$158
Nationwide
$169
Auto-Owners
$174
Travelers
$175
Midvale Home & Auto
$176
State Auto
$209
Direct Auto
$222
National General
$223
Liberty Mutual
$234
AssuranceAmerica
$240
GAINSCO
$289
The General
$304
Foremost
$352
Dairyland
$376
Bristol West
$406
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Independence, Missouri
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $90/mo for full coverage in Independence and other Missouri cities.
*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Independence, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
Missouri has an at-fault system, which means the driver responsible for the car accident must cover the other party’s related vehicle repairs and medical expenses. Because Missouri is a “pure comparative fault” state, how much a driver can get for damages depends on their percentage of fault in the accident.[4]
In the state of Missouri, all drivers must carry minimum levels of bodily injury and property damage liability car insurance.[5] Here are the specific coverage limits drivers in the state must adhere to:
In addition to the required coverage in Missouri, you may want to purchase optional coverage to provide more vehicle protection:
Collision coverage
If you have an accident or collide with an object, like a telephone pole, collision coverage can pay for damage to your vehicle.
Comprehensive coverage
Other events outside of accidents can cause damage to your car, such as fires, theft, floods, and more. Comprehensive coverage helps pay for damages from non-collision events.
Underinsured/uninsured motorist coverage
Underinsured/uninsured motorist coverageprotects you if you have an accident with a driver who doesn’t have the proper or sufficient coverage by law. It helps you avoid paying for your damages out of pocket.
Cheapest car insurance for drivers with an incident
Driving incidents can range in severity from minor moving violations and speeding tickets to at-fault accidents and DUIs. The higher the risk you pose, the more you’ll pay for auto coverage. When you have incidents on your record, insurance companies may think you’re more likely to file a claim.[6]
How much your premium will increase depends on the severity of your incident and whether you have other recorded violations. On average, Independence drivers with an incident pay $229 per month for car insurance.
Find Cheap Car Insurance After an Incident
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Best cheap car insurance for drivers with a speeding ticket: USAA
Driving within the speed limit is a key component of safe driving. Going beyond the stated limit can reduce your reaction time and increase the likelihood of an accident. If caught by law enforcement, you could get a speeding ticket, which can result in fines and increased car insurance rates. Insurance companies assess risk, and driving too fast puts everyone in danger.
Independence drivers with a past speeding ticket pay $246 per month for car insurance, on average. Review these insurance companies to find your cheapest coverage options.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
USAA
$32
$41
State Farm
$37
$47
Allstate
$50
$64
GEICO
$55
$71
American Family
$63
$81
Clearcover
$74
$97
Progressive
$76
$98
Safeco
$78
$102
Shelter
$83
$112
Nationwide
$88
$115
Auto-Owners
$91
$118
State Auto
$92
$129
Travelers
$92
$120
Direct Auto
$99
$128
Liberty Mutual
$102
$143
National General
$106
$138
AssuranceAmerica
$120
$157
Dairyland
$120
$155
GAINSCO
$120
$168
The General
$123
$161
Bristol West
$144
$186
Foremost
$165
$231
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best cheap car insurance for drivers with an at-fault accident: USAA
Car accidents can cause property damage, injury, or death. If you cause an accident, your car insurance company will increase your rates because you demonstrate an elevated amount of risk.
On average, drivers in Independence with an at-fault accident on their record pay $258 per month. You can find the cheapest car insurance quotes from the following companies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
USAA
$32
$44
State Farm
$37
$50
Allstate
$50
$68
GEICO
$55
$75
American Family
$63
$86
Clearcover
$74
$108
Progressive
$76
$105
Safeco
$78
$104
Shelter
$83
$118
Nationwide
$88
$121
Auto-Owners
$91
$124
State Auto
$92
$137
Travelers
$92
$126
Direct Auto
$99
$138
Liberty Mutual
$102
$149
National General
$106
$145
AssuranceAmerica
$120
$162
Dairyland
$120
$163
GAINSCO
$120
$157
The General
$123
$170
Bristol West
$144
$195
Foremost
$165
$241
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best cheap car insurance for drivers with a DUI: USAA
Driving requires focus and quick reflexes. Drinking alcohol or taking other substances affects your ability to drive safely. That’s why driving under the influence — or as Missouri refers to it, driving while intoxicated (DWI) — is such a big deal.
Getting a first DUI/DWI can lead to a license suspension for 90 days. Consequences increase in severity for additional convictions.[7] Because driving while intoxicated puts all drivers at risk of injury or death, a DUI/DWI conviction can lead to significant rate increases.
If you’re a driver in Independence and have a DWI, you may need to look for coverage elsewhere. Here are the cheapest car insurance options for drivers with a DUI. On average, drivers with a past conviction pay $294 per month.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
USAA
$32
$53
State Farm
$37
$61
Allstate
$50
$83
GEICO
$55
$91
American Family
$63
$105
Clearcover
$74
$123
Progressive
$76
$126
Safeco
$78
$129
Shelter
$83
$138
Nationwide
$88
$146
Auto-Owners
$91
$151
State Auto
$92
$153
Travelers
$92
$153
Direct Auto
$99
$164
Liberty Mutual
$102
$169
National General
$106
$176
AssuranceAmerica
$120
$199
Dairyland
$120
$199
GAINSCO
$120
$199
The General
$123
$204
Bristol West
$144
$239
Foremost
$165
$274
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age affects how much you pay for car insurance. Senior drivers generally get some of the most affordable coverage, and around 17.9% of people in Independence are age 65 or older. Beginning at age 35, rates trend downward for drivers. However, drivers age 75 and older may face increased rates from insurers accounting for aging-related risk factors.[8]
Here are the cheapest car insurance options for seniors in Independence. Senior drivers pay an average of $129 per month for coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
USAA
$24
$44
State Farm
$27
$52
Allstate
$38
$72
GEICO
$41
$79
American Family
$46
$88
Progressive
$51
$97
Shelter
$56
$106
Clearcover
$58
$120
Nationwide
$62
$119
Safeco
$62
$107
State Auto
$66
$149
Auto-Owners
$67
$129
Travelers
$68
$129
Direct Auto
$73
$163
National General
$77
$161
Liberty Mutual
$80
$184
AssuranceAmerica
$85
$171
Dairyland
$90
$283
GAINSCO
$95
$229
The General
$95
$234
Bristol West
$109
$306
Foremost
$123
$263
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best cheap car insurance for teens: USAA
In Independence, 22.9% of residents are younger than 18 years old. Unfortunately, young drivers pay the highest car insurance rates due to their lack of experience driving and additional risk factors, like speeding, distracted driving, and higher rates of fatal car crashes.[9]
Teen drivers can find a few ways to earn cheaper coverage. Most insurers offer teenagers good student discounts. Teens should also join their parents’ policy to get the most competitive pricing.
Here are the cheapest car insurance options for teenagers in Independence. On average, teenagers in the city pay $324 per month.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
USAA
$55
$101
State Farm
$65
$125
GEICO
$90
$172
Allstate
$91
$173
American Family
$112
$214
Progressive
$139
$265
Shelter
$145
$275
Clearcover
$146
$301
Nationwide
$156
$300
Auto-Owners
$159
$304
Safeco
$160
$276
State Auto
$168
$382
Travelers
$171
$324
Direct Auto
$185
$415
Liberty Mutual
$186
$426
The General
$202
$500
Dairyland
$203
$636
National General
$214
$450
GAINSCO
$215
$519
AssuranceAmerica
$227
$454
Bristol West
$251
$707
Foremost
$301
$643
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Independence car insurance quotes by credit tier
In Missouri, auto insurance companies can use your credit score as a risk factor when setting rates.[10]
Drivers with good or excellenttypically earn the best rates. Independence drivers with poor credit scores pay more than twice as much for car insurance than drivers with excellent credit. Here are the average rates for full-coverage insurance by credit tier in Independence.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Independence?
Drivers in Independence pay $176 per month for car insurance, which exceeds the national average of $158 per month. It’s also higher than the Missouri state average of $163 per month.
Additionally, most cities in Missouri — besides St. Louis — have more affordable car insurance rates than Independence. Costs fluctuate based on ZIP code, population density, and crime rates. Independence has higher-than-average crime rates, which may explain the city’s more expensive premiums.
More cities in Missouri
Car insurance in Independence tends to cost more than many other cities in Missouri. Joplin has the most affordable coverage in the state, with the biggest price difference compared to Independence. See average rates for different Missouri cities below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Independence car insurance FAQs
Before you start shopping around for car insurance, you should decide how much coverage you need. The information below should answer any of your remaining questions and help you navigate the process of buying car insurance in Independence.
How much is car insurance in Independence?
The overall cost of car insurance in Independence is $176 per month. Drivers in the city pay $117 per month for liability coverage and $235 for full-coverage insurance, on average.
What company has the cheapest car insurance in Independence?
USAA has the cheapest car insurance in Independence. On average, drivers pay $32 per month for liability coverage from USAA. The best way to find the cheapest coverage for your insurance needs is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Independence?
With an Insurify Quality (IQ) Score of 4.4 out of 5, an AM Best financial strength rating of A++ (Superior), and solid customer satisfaction rankings from J.D. Power, State Farm is the best car insurance company in Independence. Other top insurers include Allstate and USAA.
What are Missouri’s minimum requirements for auto insurance?
Drivers in Missouri must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.
Is it illegal to not have car insurance in Missouri?
Yes. It’s illegal not to have car insurance in the state. Failure to provide proof of insurance can result in points on your record, court-ordered supervision, or license suspension.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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State Farm
Allstate
USAA
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