Columbia, MO Car Insurance

The Zebra
May 30, 2018

Car Insurance in Columbia

Missouri premiums are recognized for being inexpensive. They generally sit under the national average by 7%. Keep some money in your pocket by following the tips below about how to save on car insurance in Columbia.

  • City Average: $1,263
  • State Average: $1,334
  • National Average: $1,427

Columbia Car Insurance by Age

With typical rates of $4,879, teenage drivers are the ones who pay the most in car insurance premiums. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest premiums among any age group, with rates of $1,061. However, those in their 60s ($1,071) aren’t paying much more. Columbia drivers see the biggest decrease in premiums when they reach their 20s, as they pay an average of 64% less after moving out of the teenage age bracket. When drivers turn 60, they will experience a premium increase related to their age for the first time.

  • Teenagers: $4,879
  • 20s: $1,749
  • 30s: $1,233
  • 40s: $1,157
  • 50s: $1,061
  • 60s: $1,071
  • 70s: $1,280

Columbia Car Insurance by Credit Rating

Improving your credit can save you a sizable bundle of money. Those in the bottom credit tier (300-579) pay an average of 2.6x more for car insurance than those in the top credit tier (800-850). Drivers can save approximately $483 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $2,780
  • Fair: $2,198
  • Good: $1,715
  • Very Good: $1,350
  • Exceptional: $1,068

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Columbia Car Insurance by Gender and Marital Status

Both marital status and gender are among the various driver traits that impact car insurance premiums in Columbia. However, females have premiums that are only slightly more costly than those for males. Rates for those who are divorced or widowed are marginally cheaper than rates for those who are single. Being single, as opposed to married, can cost you 6% more per year on car insurance.

  • Female: $1,269
  • Male: $1,263
  • Single: $1,263
  • Married: $1,188
  • Divorced: $1,238
  • Widowed: $1,246

Columbia Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can cost you in terms of prices on car insurance. $506 is the extra cost per year for drivers with a DUI in Columbia, compared to the city average of $1,263. Reckless driving will also drive your premiums up, with typical rates of $1,750, which are 39% higher than the city average. Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. For individuals in Columbia with at-fault accidents, $550 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $1,769
  • Reckless Driving: $1,750
  • At-fault Accident (damages less than $1000): $1,813
  • At-fault Accident (damages greater than $2000): $1,813
  • Speeding Ticket (16-20 mph over speed limit): $1,574