Independence, MO Car InsuranceFatal crashes in Independence
Fatal crashes in Independence, 2019–2023
Federal records show 83 fatal crashes inside Independence city limits over those five years, in which 88 people died. 52% happened after dark. 25 involved a pedestrian.
The roads that recur most in those records:
| Road | Fatal crashes |
|---|---|
| US-24 | 16 |
| US-40 | 10 |
| SR-78 | 9 |
| I-70 | 8 |
| STERLING AVE | 4 |
This is why liability limits matter more than the premium difference suggests. The state minimum is the least you can legally carry, not a measure of what a serious crash costs — and anything above your limit is yours to pay.
Source: NHTSA Fatality Analysis Reporting System (FARS), 2019-2023. FARS records every fatal crash on a public road in the US.
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