24/7 Available · Independence
24-Hour Insurance Agents in Independence, MO — Always Available
Emergencies don't keep business hours. These insurance agents in Independence are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 20 insurance agents in Independence, MO by verified customer ratings and review volume. The highest-rated is Houston Richards State Farm - Insurance Agent KC with a 5.0-star rating from 751 verified reviews. Also in the top tier: Alicia Scott - State Farm Insurance Agent and Chad Mitchell - State Farm Insurance Agent. The average rating across all listed insurance agents in Independence is 4.8 stars from 192 reviews per business on average.
Insurance in Independence: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
192
Avg reviews
May 17, 2026
Last updated
Top Rated Insurance Agents
Houston Richards State Farm - Insurance Agent KC
15441 US-24, Independence, MO 64050, USA
Alicia Scott - State Farm Insurance Agent
19045 E Valley View Pkwy suite k, Independence, MO 64055, USA
Chad Mitchell - State Farm Insurance Agent
14901 E 42nd St S, Independence, MO 64055, USA
Insurance Agents Rankings in Independence, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Houston Richards State Farm - Insurance Agent KC15441 US-24, Independence, MO 64050, USA | 5.0★ | 751 |
| #2 | Alicia Scott - State Farm Insurance Agent19045 E Valley View Pkwy suite k, Independence, MO 64055, USA | 5.0★ | 572 |
| #3 | Chad Mitchell - State Farm Insurance Agent14901 E 42nd St S, Independence, MO 64055, USA | 4.9★ | 625 |
| #4 | Auto Insurance Discounters1312 S Noland Rd, Independence, MO 64055, USA | 4.4★ | 273 |
| #5 | The Insurance Groupe16012 East 23rd St S, Independence, MO 64055, USA | 4.8★ | 175 |
| #6 | Hometown Insurance Agency LLC4800 S Cochise Dr, Independence, MO 64055, USA | 4.8★ | 56 |
| #7 | Matrix Insurance11201 E US Hwy 24 B, Independence, MO 64054, USA | 4.7★ | 210 |
| #8 | Freeway Insurance3619 S Noland Rd, Independence, MO 64055, USA | 4.9★ | 229 |
| #9 | Farmers Insurance - Marie Hudson1509 S Noland Rd Ste B, Independence, MO 64055, USA | 5.0★ | 62 |
| #10 | Brian Manning Agency Inc American Family Insurance4201 South Hocker Ave Bldg 3 Ste 110, Independence, MO 64055, USA | 5.0★ | 77 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Insurance Agents in Independence
Auto Insurance Discounters
1312 S Noland Rd, Independence, MO 64055, USA
The Insurance Groupe
16012 East 23rd St S, Independence, MO 64055, USA
Hometown Insurance Agency LLC
4800 S Cochise Dr, Independence, MO 64055, USA
Matrix Insurance
11201 E US Hwy 24 B, Independence, MO 64054, USA
Freeway Insurance
3619 S Noland Rd, Independence, MO 64055, USA
Farmers Insurance - Marie Hudson
1509 S Noland Rd Ste B, Independence, MO 64055, USA
Brian Manning Agency Inc American Family Insurance
4201 South Hocker Ave Bldg 3 Ste 110, Independence, MO 64055, USA
Kim Downey Noble - State Farm Insurance Agent
221 W Lexington Ave Suite 101, Independence, MO 64050, USA
Shelter Insurance - Dan Welch
17201 E US Hwy 40 Ste 101A, Independence, MO 64055, USA
Budget For Less LLC
10808 East 23rd St S, Independence, MO 64052, USA
Garner Insurance Agency
3031 M 291 Frontage Rd #100, Independence, MO 64057, USA
AAA Independence Insurance and Member Services
19210 East 39th St S Suite B, Independence, MO 64057, USA
Joshua DuPree - Missouri Farm Bureau Insurance
2112 Rte 291 Ste B1, Independence, MO 64057, USA
Monarch Insurance
11301 E US Hwy 40, Independence, MO 64055, USA
Beacon Point Insurance
114 S Main St Suite 102, Independence, MO 64050, USA
Dealer Insurance Services LLC
3675 S Noland Rd # 145, Independence, MO 64055, USA
Jeremy Bennett - State Farm Agent
19321 E US Hwy 40 Suite C-1, Independence, MO 64055, USA
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Frequently Asked Questions — Insurance Agents in Independence
What is the difference between a captive and independent insurance agent in Independence?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in MO?
Search the MO Department of Insurance's online license lookup — Google "MO Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in MO must be licensed with the state.
How much does working with a local insurance agent in Independence cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Independence?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Independence adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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