Car Insurance in Columbia, MO
- State Farm offers the cheapest car insurance in Columbia at $86/mo — which is 37% less than the average rate of $137/mo.
- Compare and save on car insurance in or near Columbia, MO with The Zebra today.
Learn more about car insurance in Columbia, MO below.
How much does car insurance cost in Columbia?
The typical Columbia driver pays $825 for six months of auto insurance. That's less than the average across Missouri ($868) and pricier than the national average of $880. Read on to learn more about how much you can expect to pay based on age, credit score, and other factors in Columbia. Read on to learn more!
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| Car insurance in Columbia vs. Missouri | Average 6 Mo. Premium |
|---|---|
| Columbia average | $825 |
| Missouri average | $868 |
The Zebra's key takeaways about car insurance in Columbia:
- The average cost of a car insurance policy in Columbia is $825 per six-month policy — $137 per month.
- The cheapest company in Columbia is State Farm ($514).
- 30% of Zebra customers in Columbia stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Columbia car insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and choose the insurer that best fits your coverage needs. In Columbia, State Farm offers the cheapest premiums for the typical insurance buyer. See below the best options for affordable auto insurance in Columbia. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $514 |
| American Family | $762 |
| Progressive | $824 |
| GEICO | $852 |
| Farmers | $876 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Columbia.
Columbia auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 43% of Columbia drivers. The age group that pays the least for car insurance in Columbia are drivers in their 50s ($680 per six-month policy). Those in their 60s don't pay much more ($685).
Teen drivers pay Columbia's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Columbia is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Columbia is $3,884, the largest such difference between any two age brackets.
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| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,048 |
| 20s | $1,106 |
| 30s | $799 |
| 40s | $739 |
| 50s | $680 |
| 60s | $685 |
| 70s | $822 |
Columbia car insurance rates by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Columbia drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 66% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Columbia, improving your credit to "Fair" could help you earn $826 in savings on insurance premiums every six months. Our data tells us 40% of drivers in Columbia have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,835 |
| Fair | $1,009 |
| Good | $825 |
| Very Good | $723 |
| Exceptional | $624 |
Columbia car insurance rates by violation
Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Columbia drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $598 per year versus the city average. A ticket for speeding results in a $358 rate hike while a DWI or DUI violation costs $593 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,121 |
| Reckless Driving | $1,123 |
| At-fault Accident (damages less than $1,000) | $1,118 |
| At-fault Accident (damages > $2,000) | $1,224 |
| Speeding Ticket (16-20 mph over speed limit) | $1,003 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.