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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How much does car insurance cost in Columbia?

Car insurance costs an average of $719 per six-months in Columbia, South Carolina. That's more expensive than the average in South Carolina ($707) and less expensive tthan the national average of $880. Keep reading 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!

Car insurance in Columbia vs. South Carolina Average 6 Mo. Premium
Columbia average $719
South Carolina average $707

The Zebra's key takeaways about car insurance in Columbia:

  • The average cost of a car insurance policy in Columbia is $719 per six-month policy — $119 per month.
  • The cheapest company in Columbia is USAA ($551).
  • 36% 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?

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Columbia car insurance rates by company

The difference in auto insurance rates from company to company can be substantial. For a typical driver, USAA offers Columbia's most affordable premiums. Reference below the top options for affordable insurance in Columbia, South Carolina.  Don't forget to get car insurance quotes based on your unique driving profile.

Cheapest car insurance companies in Columbia, SC
Company Avg. 6 Mo. Premium
USAA $551
GEICO $602
State Farm $658
Travelers $689
Allstate $784

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 is 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.

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Columbia auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 36% of Columbia drivers. The age group that pays the least for car insurance in Columbia are drivers in their 50s ($641 per six-months). Those in their 60s don't pay significantly more ($660).

Teen drivers pay Columbia's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Columbia is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Columbia is $3,041. That's the biggest gap in premiums between any pair of age brackets.

Columbia auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $2,472
20s $951
30s $705
40s $677
50s $641
60s $660
70s $799

Columbia car insurance rates by credit score

In many cases, a driver's credit level is closely correlated with their auto insurance rates. Columbia drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Columbia, moving into the "Fair" credit tier corresponds to an average of $597 in savings on insurance each six-months.  Our data tells us 40% of drivers in Columbia have a credit score of average (580-679). 

credit score
Columbia auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,450
Fair $852
Good $719
Very Good $663
Exceptional $603

Columbia car insurance costs by violation

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Columbia drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $527 per year versus the city average. A ticket for speeding results in a $286 rate hike, on average, while a DUI violation costs $579per year in insurance premiums.

Columbia auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DWI/DUI $1,008
Reckless Driving $982
At-fault Accident (damages less than $1,000) $979
At-fault Accident (damages > $2,000) $1,034
Speeding Ticket (16-20 mph over speed limit) $862

Compare over 100 insurance companies at once!

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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.