Compare the Cheapest Car Insurance Quotes in Columbia

Auto insurance costs an average of $1,037 per year in Columbia, which is cheaper than the state average. State Farm has an average rate of $721, making it the cheapest option in the city. MoneyGeek collected rates to determine the cheapest by coverage level and driving history and ranked the best companies that balance cost and quality in Columbia.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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The price of car insurance is based on your coverage needs and driver profile. State Farm offers the most affordable quotes in Columbia for full coverage plans, liability insurance and for drivers with a speeding ticket. If you are a military member, USAA has the cheapest premiums in almost every instance. MoneyGeek selected Auto-Owners Insurance as the best overall car insurance company in the city because of its balance of high-quality service and affordability.

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The Cheapest and Best Car Insurance in Columbia

The Cheapest Car Insurance Companies in Columbia

Full coverage car insurance gives extensive financial protection to a driver since it includes liability, plus comprehensive and collision coverage. In Columbia, the providers that offer the cheapest full coverage policies are:

  • State Farm: $721 per year
  • Allied: $745 per year

Only members of the military and their families can opt for USAA's $495 premium, which is the lowest in the city.

With an average premium that is around 85% less than the most expensive quote from AAA, State Farm is Columbia's cheapest provider for widely available full coverage policies. Remember that the amount of liability protection you choose will affect the premium you pay

Cheapest Car Insurance in Columbia
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $495
  • 2.
    State Farm
    $721
  • 3.
    Allied
    $745
  • 4.
    Allstate
    $809
  • 5.
    American Family
    $821
  • 6.
    Esurance
    $1,049
  • 7.
    Farmers
    $1,081
  • 8.
    MetLife
    $1,091
  • 9.
    Progressive
    $1,212
  • 10.
    GEICO
    $1,262
  • 11.
    Shelter
    $1,278
  • 12.
    AAA
    $1,336

MoneyGeek's methodology analyzed sample insurance quotes for a 40-year-old male motorist insured under a full coverage policy.

Full coverage is expensive because it includes collision and comprehensive coverage in addition to liability insurance.

  • Collision Coverage: This covers the cost of repair when your car is damaged in a collision.
  • Comprehensive Coverage: This covers the cost of repair when your car is damaged in incidents other than collisions, such as weather events, vandalism and fire.

A full coverage car insurance policy for an older car may not be appropriate, especially if the premiums add up to more than the car's replacement value. In this case, you may wish to consider state minimum or liability-only insurance.

Compare Car Insurance Rates in Columbia

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Columbia for Minimum Coverage

The cheapest tends to be a state minimum or liability-only policy. On average, the following insurers offer the lowest minimum liability premiums in Columbia:

  • State Farm: $332 per year
  • Allied: $431 per year

Military families can get the city's cheapest insurance from USAA for $198. Note that state minimum insurance costs $257 less per year with State Farm than Shelter, which charges $589 and is the most expensive in the city.

Minimum coverage insurance policies are less expensive because they cover less. With state minimum or liability-only insurance, you may be underinsured in the event of an accident. Here is a breakdown of how changes in liability coverage can affect your insurance premiums:

Cheapest Minimum Liability Car Insurance in Columbia
State Minimum

The state of Missouri mandates that all motorists have 25/50/25 liability insurance. This minimum insurance requirement is the least expensive, but it also provides the least protection. If you get into a car accident, you could face a mountain of debt.

That’s because if you’re in an accident that costs the other driver $50,000 in medical expenses, you are only covered for $25,000. You'd be responsible for paying the remaining $25,000 out of pocket.

Missouri Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

Cheapest Car Insurance in Columbia if You Have Driving Violations

Speeding, driving under the influence or being found at fault in an accident can raise your insurance premiums, sometimes significantly. After being ticketed, you can get the lowest average insurance rates in Columbia at:

  • Cheapest after a ticket: State Farm, $781 per year
  • Cheapest after an at-fault accident: American Family, $826 per year
  • Cheapest after a DUI: State Farm, $781 per year

USAA offers the cheapest insurance in the city for drivers with a speeding ticket or an at-fault accident. However, only members of the military can purchase car insurance through USAA.

Even if you have violations, you can reduce your insurance premiums as you improve your driving record. Since this takes time, it makes sense to compare insurance quotes from different providers in Columbia to see which one offers the cheapest insurance for drivers with bad records.

Cheapest Car Insurance in Columbia With a Violation
Speeding Ticket

Average Cost of Car Insurance in Columbia

Columbia$1,037
Missouri$1,305
U.S.$1,424

The average cost of car insurance in Columbia is $1,037 per year. That is cheaper than the average auto insurance costs on both the state and national levels.

In comparison, the state annual average is 20.5% higher at $1,305 per year. Columbia drivers also typically pay 27.2% less than the national average of $1,424.

Personalized Quotes to Get You the Cheapest Car Insurance in Columbia

Compare car insurance quotes regularly to find the most accurate policy. Insurers determine car insurance prices based on individual factors like your age, ZIP code, car make and model, your gender and your credit score. Get personalized quotes as your circumstances change to see if you qualify for discounts, rebates, or other savings.

Compare Car Insurance Rates in Columbia

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Columbia

MoneyGeek ranked the best car insurance companies for drivers in Columbia, who value a balance of affordability and quality service. These insurers are:

  • Auto-Owners Insurance: MoneyGeek score of 97 out of 100
  • GEICO: MoneyGeek score of 92 out of 100

According to MoneyGeek's rating system, USAA was the best provider in Columbia. However, since the company only offers its policies to active and veteran military members and their families, it wasn’t included in the best overall list.

Many factors, including insurer financial stability, customer satisfaction and affordability, were considered by MoneyGeek when ranking these car insurance companies. The findings of J. D. Power, a data analytics and consumer intelligence company, were used in this study.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:97.5

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:92.5

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Auto Club of Southern California Insurance Group
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

7
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
American Family
Score:77.5

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

13
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

14
Farm Bureau Ins of MI
Score:72.5

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Auto insurance in Missouri is also determined by where you live. That is because of the differences in car theft incidents, accident statistics and the number of uninsured drivers in the area.

Car insurance in Columbia also varies depending on your ZIP code. The cheapest neighborhood in the city is 65203, which has an average rate of $1,026 per year. Meanwhile, the most expensive neighborhood is ZIP code 65202. The average rate in this neighborhood is $1,047 or $21 more than 65203.

  • Zip Code
    State Minimumper year
  • 65203
    $1,026
  • 65202
    $1,047

Factors That Impact Insurance Costs in Columbia

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Columbia. How Columbia ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities146th/300
handcuffs2 icon
Most Car Thefts84th/300
uninsured icon
Most Uninsured Motorists by State17th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall98th/300
umbrella icon
Most Rainy Days115th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Columbia are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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