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Updated: Nov 9, 2023
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At MoneyGeek, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. The MoneyGeek partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about advertising and editorial disclosure.

Depending on your driver profile, the best provider for your needs may vary. For instance, MoneyGeek found that State Farm is cheapest overall and suited for those with violations, while Shelter is cheapest for service quality. Meanwhile, GEICO is the cheapest for teens and families. Lastly, USAA is the most cost-effective option for those in the military.

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2023

Cheapest and Best Car Insurance in Columbia, MO

Cheapest Minimum Liability Car Insurance in Columbia

The following are the two cheapest insurers for a minimum coverage auto insurance policy in Columbia:

  • State Farm: $341 per year
  • Nationwide: $400 per year

In addition to being the cheapest car insurer for minimum coverage in Columbia, State Farm is also the cheapest in the state of Missouri at $394 per year as of October 2022. The most expensive company for minimum coverage is Kemper, with policies that cost around $770 per year.

MoneyGeek also researched the cheapest car insurance in Missouri if you’re looking for other options.

Company
Annual Premium
Monthly Premium

State Farm

$322

$27

State Farm

$341

$28

Nationwide

$395

$33

Nationwide

$400

$33

State Farm

$408

$34

Progressive

$424

$35

Progressive

$436

$36

Travelers

$470

$39

Travelers

$495

$41

Travelers

$518

$43

Progressive

$532

$44

American Family

$532

$44

American Family

$539

$45

Nationwide

$541

$45

AAA

$552

$46

American Family

$580

$48

Shelter

$581

$48

Allstate

$585

$49

Allstate

$609

$51

AAA

$628

$52

GEICO

$655

$55

Allstate

$690

$57

Shelter

$697

$58

GEICO

$698

$58

GEICO

$705

$59

State Farm

$727

$61

Nationwide

$750

$63

Kemper

$770

$64

Kemper

$780

$65

State Farm

$798

$67

AAA

$800

$67

Nationwide

$820

$68

American Family

$846

$70

Kemper

$862

$72

Allstate

$907

$76

American Family

$913

$76

Travelers

$967

$81

American Family

$976

$81

Allstate

$987

$82

State Farm

$989

$82

Travelers

$1,013

$84

Shelter

$1,072

$89

Nationwide

$1,081

$90

Travelers

$1,165

$97

Allstate

$1,197

$100

Progressive

$1,210

$101

AAA

$1,254

$105

Shelter

$1,299

$108

Progressive

$1,308

$109

GEICO

$1,412

$118

AAA

$1,446

$121

GEICO

$1,452

$121

Shelter

$1,565

$130

Progressive

$1,586

$132

GEICO

$1,619

$135

AAA

$1,854

$155

Kemper

$2,085

$174

Kemper

$2,180

$182

Shelter

$2,404

$200

Kemper

$2,577

$215

A minimum coverage policy includes bodily injury, personal property damage and uninsured motorist protection coverages based on Missouri law:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

The cost of damage to the other motorist in an accident is covered by liability insurance. For instance, if you get into an accident and have a bodily injury liability of $25,000 per person and $50,000 per accident, your insurance provider will pay for each person's medical expenses up to $25,000, for a total of $50,000 per event. You’ll be responsible for any additional costs.

Cheapest Full Coverage Car Insurance in Columbia

The following businesses in Columbia offer the cheapest full coverage auto insurance policies:

  • State Farm: $798 per year
  • Nationwide: $820 per year

Nationwide is the cheapest provider for full coverage in the state of Missouri, so the cheapest provider for you will vary based on your location. With plans costing about $2,180 per year as of October 2022, Kemper offers the most expensive full coverage policies in Columbia. If you're looking for more options, MoneyGeek also looked into the cheapest full coverage auto insurance in Missouri.

Company
Annual Premium
Monthly Premium

State Farm

$322

$27

State Farm

$341

$28

Nationwide

$395

$33

Nationwide

$400

$33

State Farm

$408

$34

Progressive

$424

$35

Progressive

$436

$36

Travelers

$470

$39

Travelers

$495

$41

Travelers

$518

$43

Progressive

$532

$44

American Family

$532

$44

American Family

$539

$45

Nationwide

$541

$45

AAA

$552

$46

American Family

$580

$48

Shelter

$581

$48

Allstate

$585

$49

Allstate

$609

$51

AAA

$628

$52

GEICO

$655

$55

Allstate

$690

$57

Shelter

$697

$58

GEICO

$698

$58

GEICO

$705

$59

State Farm

$727

$61

Nationwide

$750

$63

Kemper

$770

$64

Kemper

$780

$65

State Farm

$798

$67

AAA

$800

$67

Nationwide

$820

$68

American Family

$846

$70

Kemper

$862

$72

Allstate

$907

$76

American Family

$913

$76

Travelers

$967

$81

American Family

$976

$81

Allstate

$987

$82

State Farm

$989

$82

Travelers

$1,013

$84

Shelter

$1,072

$89

Nationwide

$1,081

$90

Travelers

$1,165

$97

Allstate

$1,197

$100

Progressive

$1,210

$101

AAA

$1,254

$105

Shelter

$1,299

$108

Progressive

$1,308

$109

GEICO

$1,412

$118

AAA

$1,446

$121

GEICO

$1,452

$121

Shelter

$1,565

$130

Progressive

$1,586

$132

GEICO

$1,619

$135

AAA

$1,854

$155

Kemper

$2,085

$174

Kemper

$2,180

$182

Shelter

$2,404

$200

Kemper

$2,577

$215

A full coverage policy adds comprehensive and collision coverage to a liability-only insurance policy.

  • Collision insurance: Covers the cost of damage to your car after an accident, such as a collision with another vehicle.
  • Comprehensive Insurance: Covers the cost of damage to your car caused by something other than an accident, like vandalism or theft.

For drivers with newer vehicles, full coverage can help safeguard your investment. However, if your vehicle is older, it might not be worthwhile to spend hundreds of dollars every year for the additional coverage.

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Cheapest Car Insurance in Columbia After a Driving Offense

These are the cheapest full coverage auto insurance providers in Columbia if you have a driving violation on your record:

  • Speeding ticket: State Farm ($862 per year)
  • At-fault accident: State Farm ($927 per year)
  • DUI: State Farm ($862 per year)

With Kemper, you'll probably see the highest annual rates at $3,087 after an accident or $2,557 after speeding. After a DUI, GEICO charges the highest rate at $2,490 annually. Be aware that driving records can have a big impact on rates. Even the cheapest company's rates for a poor record won't be cheap compared to rates for safe driving.

Company
Annual Premium
Monthly Premium

State Farm

$354

$30

State Farm

$354

$30

State Farm

$375

$31

State Farm

$375

$31

State Farm

$388

$32

State Farm

$410

$34

State Farm

$450

$37

State Farm

$450

$37

Nationwide

$461

$38

Nationwide

$473

$39

State Farm

$493

$41

Progressive

$496

$41

Progressive

$541

$45

Progressive

$563

$47

Nationwide

$590

$49

Travelers

$592

$49

Progressive

$600

$50

Travelers

$616

$51

Travelers

$622

$52

Progressive

$623

$52

Nationwide

$626

$52

American Family

$633

$53

American Family

$633

$53

Nationwide

$634

$53

American Family

$638

$53

American Family

$638

$53

American Family

$641

$53

American Family

$647

$54

Travelers

$648

$54

Allstate

$657

$55

Travelers

$664

$55

Progressive

$665

$55

Travelers

$673

$56

American Family

$681

$57

American Family

$681

$57

Allstate

$687

$57

American Family

$689

$57

Travelers

$702

$59

Travelers

$702

$59

Nationwide

$725

$60

Allstate

$730

$61

Progressive

$747

$62

Allstate

$747

$62

Travelers

$761

$63

Shelter

$763

$64

Allstate

$766

$64

Nationwide

$768

$64

AAA

$768

$64

GEICO

$777

$65

Allstate

$784

$65

Allstate

$787

$66

State Farm

$787

$66

State Farm

$787

$66

GEICO

$802

$67

Nationwide

$806

$67

Kemper

$807

$67

Kemper

$817

$68

AAA

$838

$70

State Farm

$847

$71

Progressive

$855

$71

AAA

$856

$71

Progressive

$859

$72

State Farm

$862

$72

State Farm

$862

$72

GEICO

$864

$72

Shelter

$865

$72

Shelter

$865

$72

Allstate

$884

$74

AAA

$886

$74

GEICO

$902

$75

Kemper

$903

$75

Allstate

$908

$76

Shelter

$917

$76

State Farm

$927

$77

GEICO

$932

$78

Kemper

$933

$78

Nationwide

$934

$78

Nationwide

$948

$79

AAA

$970

$81

Kemper

$986

$82

AAA

$988

$82

American Family

$1,000

$83

American Family

$1,000

$83

Nationwide

$1,010

$84

GEICO

$1,024

$85

Allstate

$1,037

$86

American Family

$1,037

$86

Shelter

$1,042

$87

Shelter

$1,042

$87

Kemper

$1,048

$87

Kemper

$1,071

$89

State Farm

$1,072

$89

State Farm

$1,072

$89

American Family

$1,072

$89

American Family

$1,072

$89

GEICO

$1,092

$91

American Family

$1,114

$93

GEICO

$1,123

$94

Allstate

$1,127

$94

Kemper

$1,134

$95

AAA

$1,138

$95

American Family

$1,145

$95

American Family

$1,145

$95

State Farm

$1,155

$96

Allstate

$1,157

$96

Nationwide

$1,175

$98

American Family

$1,192

$99

Allstate

$1,195

$100

Kemper

$1,204

$100

Nationwide

$1,214

$101

AAA

$1,248

$104

Shelter

$1,256

$105

Allstate

$1,259

$105

Nationwide

$1,270

$106

Travelers

$1,273

$106

AAA

$1,274

$106

Allstate

$1,299

$108

Travelers

$1,303

$109

Travelers

$1,313

$109

GEICO

$1,322

$110

Travelers

$1,350

$112

Allstate

$1,383

$115

Travelers

$1,388

$116

Travelers

$1,419

$118

Travelers

$1,428

$119

Shelter

$1,431

$119

Shelter

$1,431

$119

Nationwide

$1,441

$120

Travelers

$1,467

$122

Progressive

$1,467

$122

Progressive

$1,491

$124

Nationwide

$1,537

$128

Travelers

$1,543

$129

Allstate

$1,554

$129

Nationwide

$1,582

$132

Allstate

$1,609

$134

Progressive

$1,611

$134

Progressive

$1,659

$138

Shelter

$1,672

$139

AAA

$1,690

$141

GEICO

$1,701

$142

GEICO

$1,750

$146

Progressive

$1,769

$147

GEICO

$1,817

$151

AAA

$1,832

$153

Nationwide

$1,860

$155

AAA

$1,866

$156

Shelter

$1,883

$157

Shelter

$1,883

$157

Progressive

$1,912

$159

AAA

$1,952

$163

GEICO

$1,967

$164

Progressive

$2,005

$167

Shelter

$2,018

$168

GEICO

$2,034

$170

GEICO

$2,079

$173

AAA

$2,120

$177

Progressive

$2,149

$179

AAA

$2,158

$180

Kemper

$2,185

$182

Shelter

$2,274

$190

Shelter

$2,274

$190

Kemper

$2,289

$191

Progressive

$2,337

$195

GEICO

$2,490

$208

Kemper

$2,502

$209

AAA

$2,528

$211

GEICO

$2,546

$212

Kemper

$2,557

$213

GEICO

$2,689

$224

Kemper

$2,705

$225

AAA

$2,748

$229

Shelter

$2,782

$232

AAA

$2,800

$233

Kemper

$3,016

$251

Kemper

$3,032

$253

Kemper

$3,087

$257

Shelter

$3,139

$262

Shelter

$3,139

$262

Kemper

$3,676

$306

Be prepared for insurance rates to increase in line with the severity of your driving infraction. For instance, drivers in Columbia who have a DUI typically pay at least $452 more for auto insurance than those who have a clean record. However, it is still possible to find cheap auto insurance with a bad driving record.

Cheapest Car Insurance in Columbia for Teens and Their Families

The following insurance companies offer the most affordable full coverage premiums for families with 16-year-old teen drivers:

  • GEICO: $1,146 per year for female teens and $1,213 per year for male teens
  • Nationwide: $1,593 per year for female teens and $1,731 per year for male teens

With the highest rates, Kemper charges an average of $6,279 per year to insure a 16-year-old female teen and $7,716 annually to insure a 16-year-old male teen in Columbia. Male teens tend to be charged more than female teens since the former are statistically more likely to file insurance claims, but this cost discrepancy levels out in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$729

$3,282

GEICO

$760

$2,657

GEICO

$767

$3,190

GEICO

$775

$2,708

GEICO

$781

$2,489

GEICO

$788

$2,512

GEICO

$795

$2,533

GEICO

$798

$2,973

GEICO

$808

$2,823

GEICO

$814

$2,847

GEICO

$872

$6,600

GEICO

$909

$4,797

GEICO

$934

$4,204

GEICO

$942

$4,518

GEICO

$973

$4,046

Nationwide

$976

$1,665

Nationwide

$1,000

$1,794

Travelers

$1,007

$1,655

GEICO

$1,016

$7,685

State Farm

$1,031

$1,502

GEICO

$1,037

$7,739

Nationwide

$1,052

$2,291

Travelers

$1,089

$1,733

Nationwide

$1,090

$2,513

Travelers

$1,119

$1,839

Nationwide

$1,122

$1,915

Travelers

$1,125

$2,011

Nationwide

$1,134

$2,141

State Farm

$1,137

$1,657

GEICO

$1,146

$11,718

Travelers

$1,151

$1,891

Nationwide

$1,161

$2,083

Nationwide

$1,172

$2,340

GEICO

$1,176

$8,771

State Farm

$1,176

$1,672

Nationwide

$1,182

$2,016

State Farm

$1,191

$1,986

GEICO

$1,212

$10,609

Nationwide

$1,223

$2,193

Travelers

$1,225

$1,949

State Farm

$1,232

$1,796

Allstate

$1,242

$1,878

Allstate

$1,242

$1,878

Travelers

$1,258

$2,179

Travelers

$1,265

$2,284

Allstate

$1,269

$2,422

Allstate

$1,269

$2,422

State Farm

$1,271

$2,140

Allstate

$1,303

$1,971

Allstate

$1,303

$1,971

Travelers

$1,309

$2,084

State Farm

$1,321

$1,878

Allstate

$1,342

$2,191

Allstate

$1,342

$2,191

Allstate

$1,372

$2,074

Allstate

$1,372

$2,074

State Farm

$1,398

$2,332

Nationwide

$1,408

$3,684

Nationwide

$1,419

$4,319

Allstate

$1,434

$4,120

Allstate

$1,434

$4,120

State Farm

$1,451

$2,443

State Farm

$1,451

$2,746

State Farm

$1,455

$2,067

Travelers

$1,462

$2,532

Allstate

$1,463

$2,792

Allstate

$1,463

$2,792

Allstate

$1,464

$3,166

Allstate

$1,464

$3,166

Travelers

$1,464

$2,535

Travelers

$1,468

$2,915

Nationwide

$1,482

$3,227

Nationwide

$1,507

$4,298

Nationwide

$1,541

$4,972

State Farm

$1,556

$2,576

Nationwide

$1,566

$3,610

Nationwide

$1,568

$5,093

Nationwide

$1,611

$4,902

State Farm

$1,657

$3,130

Travelers

$1,662

$3,676

Nationwide

$1,704

$5,880

Travelers

$1,720

$2,979

Travelers

$1,734

$3,493

Nationwide

$1,750

$5,648

State Farm

$1,819

$3,440

State Farm

$1,822

$3,016

Progressive

$1,866

$2,477

Progressive

$1,873

$2,504

State Farm

$1,886

$3,562

State Farm

$1,895

$4,046

Allstate

$1,903

$5,468

Allstate

$1,903

$5,468

Allstate

$1,962

$7,324

Allstate

$1,962

$7,324

Travelers

$2,029

$4,505

Progressive

$2,034

$2,719

Travelers

$2,042

$4,517

Progressive

$2,063

$2,739

State Farm

$2,096

$3,933

Progressive

$2,099

$3,103

Progressive

$2,103

$3,568

Travelers

$2,114

$5,835

Progressive

$2,165

$2,894

Kemper

$2,186

$3,106

Progressive

$2,191

$3,381

Progressive

$2,287

$3,035

Progressive

$2,317

$4,014

State Farm

$2,393

$4,490

State Farm

$2,403

$5,106

Kemper

$2,537

$3,497

Travelers

$2,542

$5,643

Progressive

$2,595

$8,242

Progressive

$2,612

$5,188

Travelers

$2,644

$7,464

Progressive

$2,674

$4,535

Kemper

$2,754

$4,423

Progressive

$2,777

$8,661

Kemper

$2,788

$3,960

Progressive

$2,821

$9,178

Progressive

$2,892

$5,901

Kemper

$2,927

$4,159

Progressive

$2,953

$5,116

Progressive

$2,985

$9,510

Progressive

$3,008

$9,551

Progressive

$3,210

$10,442

Kemper

$3,360

$5,395

Kemper

$3,383

$4,665

Kemper

$3,484

$4,886

Kemper

$3,606

$4,973

Kemper

$4,108

$5,761

Kemper

$4,136

$7,951

Kemper

$4,154

$6,832

Kemper

$4,261

$5,962

Kemper

$5,018

$7,020

Kemper

$5,073

$9,709

Kemper

$5,079

$8,335

Kemper

$5,411

$10,401

Kemper

$6,258

$17,737

Kemper

$6,645

$12,718

Kemper

$7,690

$21,728

Adding a teen driver to a family policy can help cut costs on auto insurance because rates are much higher for teens when policies are purchased individually. In Columbia, Missouri, a male teen would spend $3,902 to purchase an individual policy rather than joining a parent’s policy. Finding cheap auto insurance for teenagers can help families save money.

Cheapest Car Insurance in Columbia for Military Drivers

The following insurance providers in Columbia offer the cheapest full coverage auto insurance policies for veterans and their families:

  • USAA: $536 per year
  • State Farm: $798 per year

If you're looking for minimum auto insurance coverage, USAA offers the lowest rates at $188 per year, while State Farm comes in second at $341 per year. MoneyGeek also found the most affordable auto insurance premiums for military drivers.

Company
Annual Premium
Monthly Premium

USAA

$188

$16

USAA

$193

$16

USAA

$219

$18

State Farm

$322

$27

State Farm

$341

$28

Nationwide

$395

$33

Nationwide

$400

$33

State Farm

$408

$34

Progressive

$424

$35

Progressive

$436

$36

Travelers

$470

$39

Travelers

$495

$41

USAA

$513

$43

Travelers

$518

$43

Progressive

$532

$44

American Family

$532

$44

USAA

$536

$45

American Family

$539

$45

Nationwide

$541

$45

AAA

$552

$46

American Family

$580

$48

Shelter

$581

$48

Allstate

$585

$49

Allstate

$609

$51

AAA

$628

$52

USAA

$640

$53

GEICO

$655

$55

Allstate

$690

$57

Shelter

$697

$58

GEICO

$698

$58

GEICO

$705

$59

State Farm

$727

$61

Nationwide

$750

$63

Kemper

$770

$64

Kemper

$780

$65

State Farm

$798

$67

AAA

$800

$67

Nationwide

$820

$68

American Family

$846

$70

Kemper

$862

$72

Allstate

$907

$76

American Family

$913

$76

Travelers

$967

$81

American Family

$976

$81

Allstate

$987

$82

State Farm

$989

$82

Travelers

$1,013

$84

Shelter

$1,072

$89

Nationwide

$1,081

$90

Travelers

$1,165

$97

Allstate

$1,197

$100

Progressive

$1,210

$101

AAA

$1,254

$105

Shelter

$1,299

$108

Progressive

$1,308

$109

GEICO

$1,412

$118

AAA

$1,446

$121

GEICO

$1,452

$121

Shelter

$1,565

$130

Progressive

$1,586

$132

GEICO

$1,619

$135

AAA

$1,854

$155

Kemper

$2,085

$174

Kemper

$2,180

$182

Shelter

$2,404

$200

Kemper

$2,577

$215

How to Compare Cheap Columbia Car Insurance Quotes Online

While it’s important to obtain quotes from multiple providers, it can take up to 15 minutes to get a single quote since most require a lot of personal information. Fortunately, MoneyGeek’s vehicle insurance calculator can provide quick online estimates for multiple providers. Simply input your age, vehicle details, driving history and preferred level of coverage below.

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USAA

Best Car Insurance in Columbia: Summary

Finding the right insurance for your needs depends on your priorities such as service, cost and coverage. The following are some of the best car insurance companies in Missouri for different driver preferences:

  • Best overall: American Family (MoneyGeek score of 78 out of 100)
  • Best for service: Shelter (MoneyGeek score 68 out of 100)
  • Best cheap: State Farm (MoneyGeek score 76 out of 100)

American Family is also the best insurer statewide. For each category, we weighted different factors (affordability, service quality, etc.) based on their relevance. Because of this, MoneyGeek scores may vary depending on the specific metric being evaluated.

With a MoneyGeek score of 85 out of 100, USAA auto insurance is another low-cost option for military drivers and their families.

Best Overall Car Insurance in Columbia

MoneyGeek compared pricing coverage options and other factors and found the best auto insurers in Columbia:

  • American Family: MoneyGeek score of 78 out of 100 ($913 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($798 per year)

Of the ten providers we ranked, American Family has the third-cheapest rates and offers the most amount of coverage options.

If you're in the military, a USAA auto insurance plan can be a good option. It received a high MoneyGeek score of 85 out of 100 partially due to its low annual premium of $536.

How was this MoneyGeek score calculated?

American Family Insurance

pros

Has the third-cheapest rates of the ten providers we evaluated

Offers the most amount of coverage options

Offers auto death indemnity and original equipment manufacturer (OEM) coverage

cons

Has a relatively low claims management rating

COMPANY HIGHLIGHTS

American Family offers a broad range of coverage options and is one of the most affordable insurers for drivers in Columbia. Unlike many other insurers, it provides coverage for accidental death and dismemberment in the case of a collision, regardless of who is at fault.

If you prefer authentic factory parts, American Family also offers optional original equipment manufacturer (OEM) coverage. The OEM add-on coverage option guarantees that your vehicle will be serviced or repaired using only OEM parts and materials. OEM insurance can give you better peace of mind since original parts were specifically designed to fit the specific model of your car.

Other common coverage options that American Family offers include emergency road service coverage, rental car and/or travel reimbursement coverage — which can help pay for a rental vehicle while your car is being repaired — and gap insurance coverage.

Read MoneyGeek's American Family Insurance Auto Insurance Review

Best Car Insurance in Columbia for Customer Service

We found that the following two auto insurers are the best for customer service, irrespective of cost, in Columbia/;

  • Shelter: MoneyGeek score of 68 out of 100 ($1,565 per year)
  • American Family: MoneyGeek score of 63 out of 100 ($913 per year)

Out of the ten companies we evaluated, Shelter has the best customer satisfaction and claims management ratings. However, it is also the second-most expensive insurer overall.

How was this MoneyGeek score calculated?

Shelter

pros

Has the highest customer satisfaction rating out of the ten insurers we evaluated

Has the highest claims management rating

Offers optional accidental death coverage and includes new car replacement and roadside assistance coverage

cons

Offers a relatively average amount of coverage options

COMPANY HIGHLIGHTS

Drivers that prioritize customer service over cost should choose Shelter. The insurer received the highest scores for customer satisfaction and claims management. Its policies also include key coverages like roadside assistance and new car replacement.

In terms of add-on options, Shelter offers an accidental death benefit that provides compensation if you or your spouse die in a car accident. Other drivers and family members can be added to the policy for a small fee. In addition, optional disability income coverage can provide a weekly benefit for up to a year if you become disabled.

Shelter's auto insurance policies are unique in that they include both new car replacement and roadside assistance coverage, with the latter covering costs up to $100 per incident. If your new automobile is totaled, Shelter's new car replacement service will provide you with a new vehicle of the same year, make and model.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance Companies in Columbia

In order to find the most cost-effective options for Missouri residents looking for minimum coverage auto insurance, we evaluated rates and customer satisfaction among insurers in Columbia:

  • State Farm: MoneyGeek score of 78 out of 100 ($341 per year)
  • Nationwide: MoneyGeek score of 71 out of 100 ($400 per year)

Minimum coverage insurance policies are typically less expensive than full coverage policies, but they provide much less protection in the event of an accident. For instance, you won't be reimbursed for any damage to your own vehicle after an accident.

How was this MoneyGeek score calculated?

State Farm

pros

Has the cheapest rates at $341 per year

Offers discounts for safe driving, bundling and safety equipment

Has a relatively high customer satisfaction score and offers basic coverages

cons

Does not offer a paperless discount

Has a poor claims management rating

COMPANY HIGHLIGHTS

State Farm has a reputation for good customer service and offers an average number of optional coverages for most drivers. It also offers several opportunities for drivers to save, including discounts for safe driving, installing car safety equipment and bundling policies.

You can also save up to 30% on premiums through the insurer’s Drive Safe & Save™ program, with a guaranteed discount for simply signing up. Lastly, if you haven't had any accidents or traffic tickets for at least three years, you also may be eligible for a discount.

Discounted rates are available from State Farm if you insure multiple vehicles or policies with them. State Farm also offers a discount of up to 40% on medical coverage for cars manufactured in 1993 or before that are equipped with a factory-installed airbag or other passive restraint device, which isn’t typically offered by other providers.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Columbia

According to our research, the typical cost of full coverage insurance in Columbia is $1,146 per year. This is $242 less than the average cost of auto insurance in Missouri of $1,388 and $123 lower than the national average cost of car insurance at $1,265 as of October 2022.

These rates are for a full coverage policy with medical payments coverage of $100,000 per injured person, bodily injury liability coverage of $300,000 per accident and property damage coverage of $100,000.

The price of insurance can vary widely from one area to the next due to factors like accident and car theft rates as well as population density.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.