Compare Columbia, MO Car Insurance Rates [2024]
Car insurance in Columbia, MO averages $267 a month. Columbia, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Columbia car insurance rates, compare quotes from the top car insurance companies in Columbia, MO.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Feb 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 12, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Columbia is 65299
- Average car insurance rates in Columbia, MO are $3,202/year
- The cheapest car insurance company in Columbia is Nationwide
If you need to buy Columbia, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Columbia, MO is right here.
You’ll find Columbia car insurance rates, the cheapest Columbia, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Columbia, Missouri car insurance rates to St. Joseph car insurance rates, Lee’s Summit car insurance rates, and Blue Springs car insurance rates.
Ready to find affordable Columbia, MO car insurance today? Enter your ZIP code for fast, free Columbia car insurance quotes.
Cheapest Columbia, MO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Columbia, MO car insurance rates? Every Columbia, Missouri car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Columbia, Missouri
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,699 | $2,616 | $2,423 | $2,500 | $7,389 | $7,996 | $2,597 | $2,687 |
| American Family | $2,004 | $2,004 | $1,785 | $1,785 | $5,466 | $7,106 | $2,004 | $2,344 |
| Farmers | $2,332 | $2,318 | $2,081 | $2,206 | $9,647 | $9,968 | $2,656 | $2,769 |
| Geico | $1,812 | $2,031 | $1,397 | $1,797 | $5,776 | $6,115 | $1,646 | $1,652 |
| Liberty Mutual | $2,563 | $2,776 | $2,112 | $2,370 | $8,989 | $9,982 | $2,695 | $2,867 |
| Nationwide | $1,357 | $1,382 | $1,219 | $1,287 | $3,456 | $4,407 | $1,550 | $1,671 |
| Progressive | $2,051 | $1,895 | $1,685 | $1,730 | $6,861 | $7,692 | $2,496 | $2,553 |
| State Farm | $1,521 | $1,521 | $1,374 | $1,374 | $4,603 | $5,785 | $1,718 | $1,971 |
| USAA | $1,636 | $1,622 | $1,470 | $1,497 | $4,900 | $5,991 | $2,043 | $2,274 |
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Minimum Car Insurance in Columbia, MO
Every driver must carry the minimum car insurance in Columbia, MO. Take a look at the Missouri car insurance requirements.
Minimum Required Car Insurance Coverage in Columbia, Missouri
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Columbia, MO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Columbia, MO. Compare credit history car insurance rates in Columbia from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Columbia, Missouri
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,327 | $3,428 | $2,835 |
| American Family | $3,999 | $2,815 | $2,372 |
| Farmers | $4,845 | $4,048 | $3,850 |
| Geico | $3,835 | $2,499 | $2,000 |
| Liberty Mutual | $6,147 | $3,768 | $2,968 |
| Nationwide | $2,402 | $1,990 | $1,730 |
| Progressive | $3,888 | $3,236 | $2,987 |
| State Farm | $3,470 | $2,202 | $1,777 |
| USAA | $4,483 | $2,074 | $1,481 |
Cheapest Columbia, MO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Columbia, MO to rates for a clean record with top companies.
Annual Columbia, Missouri Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,322 | $3,740 | $4,638 | $3,753 |
| American Family | $2,292 | $3,320 | $4,024 | $2,614 |
| Farmers | $3,670 | $4,574 | $4,472 | $4,274 |
| Geico | $2,139 | $2,820 | $3,823 | $2,331 |
| Liberty Mutual | $3,119 | $4,483 | $4,613 | $4,962 |
| Nationwide | $1,602 | $2,058 | $2,749 | $1,754 |
| Progressive | $2,917 | $3,915 | $3,235 | $3,414 |
| State Farm | $2,268 | $2,698 | $2,483 | $2,483 |
| USAA | $2,145 | $2,604 | $3,621 | $2,346 |
Cheapest Columbia, MO Car Insurance for Teen Drivers
Teen car insurance in Columbia, MO can be expensive. Take a look at rates from the top car insurance companies in Columbia for teenagers.
Annual Car Insurance Rates for Teen Drivers in Columbia, Missouri
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,389 | $7,996 |
| American Family | $5,466 | $7,106 |
| Farmers | $9,647 | $9,968 |
| Geico | $5,776 | $6,115 |
| Liberty Mutual | $8,989 | $9,982 |
| Nationwide | $3,456 | $4,407 |
| Progressive | $6,861 | $7,692 |
| State Farm | $4,603 | $5,785 |
| USAA | $4,900 | $5,991 |
Cheapest Columbia, MO Car Insurance for Seniors
Take a look at Columbia, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Columbia, Missouri
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,423 | $2,500 |
| American Family | $1,785 | $1,785 |
| Farmers | $2,081 | $2,206 |
| Geico | $1,397 | $1,797 |
| Liberty Mutual | $2,112 | $2,370 |
| Nationwide | $1,219 | $1,287 |
| Progressive | $1,685 | $1,730 |
| State Farm | $1,374 | $1,374 |
| USAA | $1,470 | $1,497 |
Read more: What are the DUI insurance laws in Missouri?
Cheapest Columbia, MO Car Insurance Rates After a DUI
A DUI in Columbia, MO increases car insurance rates. Compare Columbia, Missouri DUI car insurance by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Columbia, Missouri
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,638 |
| American Family | $4,024 |
| Farmers | $4,472 |
| Geico | $3,823 |
| Liberty Mutual | $4,613 |
| Nationwide | $2,749 |
| Progressive | $3,235 |
| State Farm | $2,483 |
| USAA | $3,621 |
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Cheapest Columbia, MO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Columbia, MO by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Columbia, Missouri
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,863 | $3,863 |
| American Family | $3,032 | $3,093 |
| Farmers | $4,247 | $4,247 |
| Geico | $2,730 | $2,827 |
| Liberty Mutual | $4,294 | $4,294 |
| Nationwide | $2,041 | $2,041 |
| Progressive | $3,370 | $3,370 |
| State Farm | $2,422 | $2,545 |
| USAA | $2,584 | $2,775 |
Cheapest Columbia, MO Car Insurance Rates by ZIP Code
Columbia car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Columbia, MO.
Annual Car Insurance Rates by ZIP Code in Columbia, Missouri
| ZIP Code | Average Annual Rates |
|---|---|
| 65201 | $2,625 |
| 65202 | $2,625 |
| 65203 | $2,600 |
| 65211 | $2,646 |
| 65215 | $2,684 |
| 65216 | $2,672 |
| 65299 | $2,571 |
The Best Cheap Car Insurance Companies in Columbia, MO
Take a look at a side-by-side comparison of the top car insurance companies in Columbia, MO to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Columbia, Missouri
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,863 |
| American Family | $3,062 |
| Farmers | $4,247 |
| Geico | $2,778 |
| Liberty Mutual | $4,294 |
| Nationwide | $2,041 |
| Progressive | $3,370 |
| State Farm | $2,483 |
| USAA | $2,679 |
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Category Winners: Cheapest Car Insurance in Columbia, Missouri
Find the cheapest car insurance companies in Columbia, MO for each category right here.
Best Annual Car Insurance Rates by Company in Columbia, Missouri
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
Cheapest Columbia, MO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Columbia car insurance rates. Find the cheapest Columbia, MO car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Columbia, Missouri
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,730 | $3,856 | $4,005 |
| American Family | $2,970 | $3,159 | $3,058 |
| Farmers | $3,984 | $4,210 | $4,548 |
| Geico | $2,605 | $2,802 | $2,927 |
| Liberty Mutual | $4,042 | $4,318 | $4,522 |
| Nationwide | $1,921 | $2,058 | $2,144 |
| Progressive | $3,027 | $3,382 | $3,701 |
| State Farm | $2,314 | $2,494 | $2,642 |
| USAA | $2,578 | $2,672 | $2,788 |
What affects car insurance rates in Columbia, Missouri?
What factors can have an impact on Columbia, MO car insurance? There are several reasons why Columbia car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Columbia, Missouri.
Commute Time in Columbia
The more time you spend in your car the higher the risk of an accident. The average commute length in Columbia, MO is 16.6 minutes according to City-Data.
Traffic in Columbia
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Columbia, MO traffic data from INRIX ranks Columbia as the 325th-most congested in the world.
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Compare Car Insurance Quotes in Columbia, MO
Ready to find affordable Columbia, Missouri car insurance today? Enter your ZIP code for fast, free Columbia, MO car insurance quotes.
Frequently Asked Questions
What factors can impact car insurance rates in Columbia, MO?
Several factors can impact car insurance rates in Columbia, MO. These include your age, driving record, the type of vehicle you drive, your credit history, the coverage options you choose, and the deductible amount. Additionally, factors such as the local crime rate, population density, and traffic conditions in Columbia may also influence insurance rates.
What are the minimum car insurance requirements in Columbia, MO?
In Columbia, MO, the minimum car insurance requirements are the same as the state of Missouri. The state law mandates a minimum coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. It’s important to note that these are the minimum requirements, and it’s often recommended to consider higher coverage limits for better protection.
Are there any specific insurance considerations for Columbia, MO?
Columbia, MO is a mid-sized city located in Boone County. It’s essential to consider the specific risks associated with the area, such as weather-related incidents like storms or hail damage. Additionally, Columbia is home to the University of Missouri, so it’s important to consider factors like student drivers and the potential for increased traffic during the school year.
How can I find affordable car insurance in Columbia, MO?
To find affordable car insurance in Columbia, MO, it’s important to shop around and compare quotes from different insurance providers. Consider factors such as coverage options, deductibles, and available discounts. Maintaining a good driving record, bundling your car insurance with other policies, and taking advantage of discounts, such as safe driver or multi-vehicle discounts, can also help lower your insurance premiums.
What discounts are available for car insurance in Columbia, MO?
Insurance providers in Columbia, MO may offer various discounts for car insurance. Common discounts include safe driver discounts, multi-policy discounts, good student discounts, and discounts for vehicles equipped with safety features such as anti-lock brakes or airbags. It’s advisable to check with insurance providers to see which discounts may apply to you.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.