Top Picks · Independence
Best Insurance Agents in Independence, MO
Rated and reviewed by real customers. Compare prices, read reviews, and call the top pros near you — for free.
As of June 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 Houston Richards State Farm - Insurance Agent KC with a 5.0-star rating from 751 Google reviews and an RNM Score of 88/100. 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 June 9, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Independence, MO is home to a variety of insurance agents offering coverage for auto, home, life, and other personal and commercial needs. Consumers should research local agents' specialties, customer reviews, and compare quotes to find the best fit for their insurance requirements.
- ✓Wide selection of insurance agents in Independence, MO
- ✓Agents offer coverage for auto, home, life, and commercial policies
- ✓Research agent specialties, reviews, and compare quotes to find the right fit
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.
How to Choose a Insurance Agent in Independence
What to look for
- • Local experience and knowledge of Independence, MO insurance market
- • Strong communication skills and ability to explain insurance options clearly
- • Positive reviews and references from past clients
- • Expertise in the specific insurance products you need (e.g. home, auto, life)
Questions to ask
- • How long have you been an insurance agent in Independence, MO?
- • What insurance products do you specialize in, and how can you help me find the right coverage?
- • Can you provide references from satisfied clients in Independence?
Red flags
- ⚠ Unwillingness to provide references or transparent about their experience
- ⚠ High-pressure sales tactics or inability to clearly explain insurance options
- ⚠ Lack of local knowledge or connections in the Independence, MO insurance market
In Missouri, insurance agents must be licensed by the Department of Insurance. Be sure to verify an agent's license and standing before hiring them.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
192
Avg reviews
Jun 9, 2026
Last updated
Top Rated Insurance Agents
Earning 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, USAExceptional 4.9-star rating from over 600 Google reviews for this local insurance agent.
14901 E 42nd St S, Independence, MO 64055, USAInsurance 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 | Hometown Insurance Agency LLC4800 S Cochise Dr, Independence, MO 64055, USA | 4.8★ | 56 |
| #5 | Auto Insurance Discounters1312 S Noland Rd, Independence, MO 64055, USA | 4.4★ | 273 |
| #6 | The Insurance Groupe16012 East 23rd St S, Independence, MO 64055, USA | 4.8★ | 175 |
| #7 | Farmers Insurance - Marie Hudson1509 S Noland Rd Ste B, Independence, MO 64055, USA | 5.0★ | 62 |
| #8 | Brian Manning Agency Inc American Family Insurance4201 South Hocker Ave Bldg 3 Ste 110, Independence, MO 64055, USA | 5.0★ | 77 |
| #9 | Shelter Insurance - Dan Welch17201 E US Hwy 40 Ste 101A, Independence, MO 64055, USA | 5.0★ | 28 |
| #10 | Budget For Less LLC10808 East 23rd St S, Independence, MO 64052, USA | 4.7★ | 66 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated June 2026
All Insurance Agents in Independence
4800 S Cochise Dr, Independence, MO 64055, 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
1509 S Noland Rd Ste B, Independence, MO 64055, USA
4201 South Hocker Ave Bldg 3 Ste 110, Independence, MO 64055, USA
17201 E US Hwy 40 Ste 101A, Independence, MO 64055, USA
3031 M 291 Frontage Rd #100, Independence, MO 64057, USA
19210 East 39th St S Suite B, Independence, MO 64057, USA
2112 Rte 291 Ste B1, Independence, MO 64057, USA
114 S Main St Suite 102, Independence, MO 64050, USA
3675 S Noland Rd # 145, 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
19321 E US Hwy 40 Suite C-1, Independence, MO 64055, USA
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Insurance Agents in Independence, MO — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Houston Richards State Farm - Insurance Agent KC | 88/100 | 5.0 ★ | 751 |
| 2 | Alicia Scott - State Farm Insurance Agent | 88/100 | 5.0 ★ | 572 |
| 3 | Chad Mitchell - State Farm Insurance Agent | 87/100 | 4.9 ★ | 625 |
| 4 | Hometown Insurance Agency LLC | 77/100 | 4.8 ★ | 56 |
| 5 | Auto Insurance Discounters | 78/100 | 4.4 ★ | 273 |
| 6 | The Insurance Groupe | 83/100 | 4.8 ★ | 175 |
| 7 | Farmers Insurance - Marie Hudson | 81/100 | 5.0 ★ | 62 |
| 8 | Brian Manning Agency Inc American Family Insurance | 82/100 | 5.0 ★ | 77 |
| 9 | Shelter Insurance - Dan Welch | 77/100 | 5.0 ★ | 28 |
| 10 | Budget For Less LLC | 76/100 | 4.7 ★ | 66 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · June 2026
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
Compare top-rated insurance agents in cities near you.
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: June 9, 2026.
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