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2025

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Best Local Car Insurance Agencies in Independence, MO

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Independence local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

75Reviewed

48Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving Independence
4800 South Cochise Drive, Independence, MO 64055

Expertise.com Rating

Review Sources

Google
4.8 (56)
Facebook
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Hometown Insurance Agency LLC is an auto insurance agency based in Independence that provides insurance solutions to residents in the metro and neighboring counties. The agency writes auto insurance policies that provide state-required minimum coverage for collisions and traffic accidents. Additional coverage for accident forgiveness, medical expenses, and uninsured motorists may be added at the client's discretion. Hometown Insurance Agency also offers other personal and commercial lines, specializing in insuring farmlands and crops.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Independence
905 F SE Langsford Road, Lee's Summit, MO 64063

Expertise.com Rating

Why choose this provider?

The Insurance Groupe, which has offices in Lee's Summit and Independence, has over three decades of experience handling products such as auto insurance. The firm's agents provide insurance plans that cover losses associated with cars, boats, ATVs, motorcycles, and recreational vehicles. Clients can also receive financial protection for their pets, travel, and investment properties. The company works with multiple carriers, including Auto-Owners Insurance, CNA Surety, and Dairyland. Additionally, The Insurance Groupe aims to build lifelong client relationships and provide quality service.

  • RV & Motorhome
  • Motorcyle & ATV

Best Local Car Insurance Agencies Serving Independence
2661 Hub Drive, Independence, MO 64055
Visit WebsiteLicense: 11390

Expertise.com Rating

Review Sources

Google
4.8 (23)
Facebook
5.0 (13)

Why choose this provider?

Jim Blau Insurance Agency Inc. is an independent insurance firm based in Independence that provides insurance products to clients in the metro. The firm is headed by its principal agent and owner Jim Blau, a professional with over 35 years of experience in the insurance industry. He and his team write auto insurance policies for clients seeking protection from various road calamities, risks, and expenses caused by accidents and collisions.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Independence
16657 East 23rd Street South, Independence, MO 64055

Expertise.com Rating

Review Sources

Google
4.7 (59)
Yelp
5.0 (1)

Why choose this provider?

Beacon Point Insurance is a team of agents that serves the Independence area. Included in its wide range of personal insurance products is auto insurance. The professionals learn about car owners' unique values, concerns, and goals through an introductory meeting, and this helps the agents in finding an insurance plan that will suit clients' needs. In addition, Beacon Point Insurance provides protection plans for owners of classic cars, RVs, and boats. It also offers home, life, and health insurance.

  • Multiple Carriers
  • Bundling Option

Best Local Car Insurance Agencies Serving Independence
200 North Jefferson Street, Kearney, MO 64060

Expertise.com Rating

Review Sources

Facebook
5.0 (53)
Google
5.0 (39)

Why choose this provider?

Baldwin Insurance Agency has been providing clients in Independence and other areas with insurance products since 1999. This independent insurance agency's products include personal insurance like home, renters, or auto, and business insurance like professional liability, workers' compensation, and cyber insurance. Its auto insurance will protect drivers and passengers from financial liabilities due to accidents. It will also help clients with payment of injury and rehabilitation costs. Other coverages include protection from theft or car damages and legal responsibility for injuries caused to others.

  • Bundling Option
  • Multiple Carriers

Best Local Car Insurance Agencies Serving Independence
11 North Water Street, Liberty, MO 64068

Expertise.com Rating

Review Sources

Google
5.0 (76)
Facebook
5.0 (27)
Yelp
5.0 (1)

Why choose this provider?

GM Peters Insurance in Liberty is an insurance agency that provides insurance products and solutions to residents in the Independence metro and nearby communities. The company has been around for over a century and has since written policies for personal and business insurance needs. It offers auto insurance policies that provide coverage for liabilities, damages, and losses for personal cars as well as special vehicles such as RVs, classic cars, and ATVs. GM Peters Insurance also caters to the manufacturing and distribution, hospitality, and construction industries.

  • Multiple Carriers
  • Boats
  • RV & Motorhome

Best Local Car Insurance Agencies Serving Independence
1316 South Noland Road, Independence, MO 64055

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

All Insurance Agency primarily offers home and auto insurance bundles to its clients in Independence and Lee's Summit. The available auto protection plans can include medical, liability, and property coverage. Clients are also protected from legal issues if they have the right auto insurance coverage. The service provider has a team of agents that navigates the insurance market to score policies fit for its clients' needs. All Insurance Agency was established in 2019.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

Best Local Car Insurance Agencies Serving Independence
9601 Northeast Barry Road, Kansas City, MO 64158

Expertise.com Rating

Why choose this provider?

Prime Insurance Agency serves the insurance needs of individuals, families, and businesses in Independence and the rest of the State of Kansas. It is an independent firm that helps drivers obtain car insurance policies that will protect them in the event of an automotive emergency. Available car insurance plans essentially have collision, comprehensive, property damage, bodily injury liability, and uninsured or underinsured liability coverage. Prime Insurance Agency also offers motorcycle, boat, collector car, and RV insurance.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Independence
16726 East 40th Street, Independence, MO 64055

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Blake Roberson offers State Farm car insurance assistance to residents of Independence and nearby areas. He offers auto insurance policies that protect automobiles from a range of dangers. Collision, rental, rideshare, and comprehensive insurance are all available through the auto insurance provider. He also offers teen driver liability insurance, rental car insurance, and sports car insurance. Blake Roberson's seasoned team members have a combined 170 years of experience in the insurance industry.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Hometown Insurance Agency LLC
4800 South Cochise Drive, Independence, MO 64055
The Insurance Groupe - Lee’s Summit
905 F SE Langsford Road, Lee's Summit, MO 64063
Jim Blau Insurance Agency, Inc.
2661 Hub Drive, Independence, MO 64055
Beacon Point Insurance
16657 East 23rd Street South, Independence, MO 64055
Baldwin Insurance Agency
200 North Jefferson Street, Kearney, MO 64060
GM Peters Insurance - Liberty
11 North Water Street, Liberty, MO 64068
All Insurance Agency
1316 South Noland Road, Independence, MO 64055
Prime Insurance Agency
9601 Northeast Barry Road, Kansas City, MO 64158
Blake Roberson
16726 East 40th Street, Independence, MO 64055

Independence, MO Car Insurance Agency FAQs

  • Do you have to get your damaged car repaired in the Independence shop preferred by the car insurance company?

    No. The car insurance company can give you a list of their preferred service shops, but you have the final say in picking the repair shop for your car. Note that the insurer is only obligated to cover the lowest service estimate. So if the repair in your preferred shop in Independence costs more than that, you will have to cover the difference.

  • Are other people who drive your car also covered under your car insurance policy in Independence?

    Yes. Your car insurance policy in Independence not only covers you and your car but also the people who drive your car with your consent. If the other driver is not a family member living with you at home, they only get reduced liability coverage. You also have a choice of not providing coverage for certain drivers. You just have to list them in your driver restriction endorsement.

  • How much car insurance do you need to have in Independence?

    Your car insurance policy should have at least the state’s minimum required liability and uninsured motorist coverage. For liability insurance, your coverage should be $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. All drivers in Independence are required to carry uninsured motorist coverage worth $50,000 per accident for bodily injury and $25,000 per person for bodily injury.

  • Does your car insurance still cover you if you drive your car outside of Independence?

    Most car insurance policies will cover you anywhere within the country, its territories, Puerto Rico, and Canada. Counter-check with your car insurance agent in Independence regarding the locations your policy covers. If you drive outside the country, your policy will no longer be applicable. So if you plan to be driving in another country for a while, consider buying insurance from that country.

  • What is the difference between collision and comprehensive coverage in your car insurance policy in Independence?

    Collision coverage addresses damages your car sustains when you get in an accident in Independence involving a moving or fixed object, such as another car, a lamppost, or a house. On the other hand, comprehensive coverage pays for damages on your car resulting from other causes, like theft, fire, hail, a falling rock that hits your windshield, or a deer that suddenly appears on the road.