Best Value · Independence
Affordable Insurance Agents in Independence, MO
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As of July 2026, RatingsNearMe ranks 20 insurance agents in Independence, MO by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Jeremy Bennett - State Farm Agent with a 4.7-star rating from 30 Google reviews and an RNM Score of 84/100. Also in the top tier: Houston Richards State Farm - Insurance Agent KC and Alicia Scott - 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Dealer Insurance Services LLC
It is ranked first among the top insurance agents in Independence, MO, indicating superior service and reliability.
Most Reviewed
Auto Insurance Discounters
A high review count signals trustworthiness and customer satisfaction, helping consumers make informed decisions.
When choosing an insurance agent, compare quotes and read recent reviews to find the best coverage and service for your specific needs.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
192
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted Independence insurance agent with a strong 4.7-star rating from 30 reviews.
19321 E US Hwy 40 Suite C-1, Independence, MO 64055, USAEarning a perfect 5.0-star rating from over 750 local Google reviews.
15441 US-24, Independence, MO 64050, USATrusted by hundreds of local clients, this agent holds a flawless 5.0-star rating.
19045 E Valley View Pkwy suite k, Independence, MO 64055, USAInsurance Agents Rankings in Independence, MO
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Jeremy Bennett - State Farm Agent19321 E US Hwy 40 Suite C-1, Independence, MO 64055, USA | 4.7★ | 30 |
| #2 | Houston Richards State Farm - Insurance Agent KC15441 US-24, Independence, MO 64050, USA | 5.0★ | 751 |
| #3 | Alicia Scott - State Farm Insurance Agent19045 E Valley View Pkwy suite k, Independence, MO 64055, USA | 5.0★ | 572 |
| #4 | Shelter Insurance - Dan Welch17201 E US Hwy 40 Ste 101A, Independence, MO 64055, USA | 5.0★ | 28 |
| #5 | Garner Insurance Agency3031 M 291 Frontage Rd #100, Independence, MO 64057, USA | 5.0★ | 27 |
| #6 | Chad Mitchell - State Farm Insurance Agent14901 E 42nd St S, Independence, MO 64055, USA | 4.9★ | 625 |
| #7 | Kim Downey Noble - State Farm Insurance Agent221 W Lexington Ave Suite 101, Independence, MO 64050, USA | 4.9★ | 354 |
| #8 | Freeway Insurance3619 S Noland Rd, Independence, MO 64055, USA | 4.9★ | 229 |
| #9 | Matrix Insurance11201 E US Hwy 24 B, Independence, MO 64054, USA | 4.7★ | 210 |
| #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 July 2026
All Insurance Agents in Independence
A flawless 5.0 rating from 28 reviews in Independence, MO.
17201 E US Hwy 40 Ste 101A, Independence, MO 64055, USA
Trusted insurance agent with a perfect 5.0 rating from 27 Google reviews.
3031 M 291 Frontage Rd #100, Independence, MO 64057, USA
Exceptional 4.9-star rating from over 600 Google reviews for this local insurance agent.
14901 E 42nd St S, Independence, MO 64055, USA
Trusted by hundreds of local clients, this agent holds a near-perfect 4.9-star rating.
221 W Lexington Ave Suite 101, Independence, MO 64050, USA
Trusted by locals with a stellar 4.9★ rating from over 200 reviews.
3619 S Noland Rd, Independence, MO 64055, USA
Trusted by locals with 210 reviews and a strong 4.7-star average rating.
11201 E US Hwy 24 B, Independence, MO 64054, USA
5.0-star rating from 77 reviews reflects consistent customer satisfaction.
4201 South Hocker Ave Bldg 3 Ste 110, Independence, MO 64055, USA
4.5 stars from 70 Google reviews, indicating strong local customer satisfaction.
2112 Rte 291 Ste B1, Independence, MO 64057, USA
Praised by clients with a 4.7-star rating from 66 reviews.
10808 East 23rd St S, Independence, MO 64052, USA
Trusted by locals with a 4.7-star rating from over 60 reviews.
11301 E US Hwy 40, Independence, MO 64055, USA
Known for reliable service, this agent holds a strong 4.7-star rating from 60 Google reviews.
114 S Main St Suite 102, Independence, MO 64050, USA
Trusted Independence insurance agent with 4.4 stars from over 270 reviews.
1312 S Noland Rd, Independence, MO 64055, USA
Trusted by hundreds of local clients, this agent holds a 4.8-star rating.
16012 East 23rd St S, Independence, MO 64055, USA
Independence's top-rated insurance agent with a perfect 5.0 stars from 18 reviews.
3675 S Noland Rd # 145, Independence, MO 64055, USA
A solid 4.1-star rating from nearly 100 Google reviews reflects reliable local service.
19210 East 39th St S Suite B, Independence, MO 64057, USA
Independence's top-rated insurance agent, boasting 62 perfect 5.0-star Google reviews.
1509 S Noland Rd Ste B, Independence, MO 64055, USA
Independently owned insurance agent with a 4.8-star rating from 56 reviews.
4800 S Cochise Dr, Independence, MO 64055, USA
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Insurance Agents in Independence, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Jeremy Bennett - State Farm Agent | 84/100 | 4.7 ★ | 30 |
| 2 | Houston Richards State Farm - Insurance Agent KC | 88/100 | 5.0 ★ | 751 |
| 3 | Alicia Scott - State Farm Insurance Agent | 88/100 | 5.0 ★ | 572 |
| 4 | Shelter Insurance - Dan Welch | 77/100 | 5.0 ★ | 28 |
| 5 | Garner Insurance Agency | 76/100 | 5.0 ★ | 27 |
| 6 | Chad Mitchell - State Farm Insurance Agent | 87/100 | 4.9 ★ | 625 |
| 7 | Kim Downey Noble - State Farm Insurance Agent | 87/100 | 4.9 ★ | 354 |
| 8 | Freeway Insurance | 86/100 | 4.9 ★ | 229 |
| 9 | Matrix Insurance | 82/100 | 4.7 ★ | 210 |
| 10 | Brian Manning Agency Inc American Family Insurance | 82/100 | 5.0 ★ | 77 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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.
Insurance Agents in Nearby Cities
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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: July 4, 2026.
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