Columbia, MO Car Insurance

What's the average car insurance rate in Columbia?


The typical Columbia driver pays $1,650 per year for auto insurance. That's less than the average across Missouri ($1,736) and pricier than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Columbia.


COLUMBIA AUTO INSURANCE PREMIUMS
Columbia Average (yearly)Missouri AverageU.S. Average
$1,650$1,736$1,548

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Columbia car insurance premiums by insurer


One of the best ways to save on auto insurance is to compare rates from multiple companies and to 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. Don't forget to get car insurance quotes based on your driving profile.


COLUMBIA AUTO INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
State Farm$1,029
American Family$1,524
Progressive$1,649
GEICO$1,705
Farmers$1,752

Read our guide to finding the best cheap auto insurance.



Car insurance rates by age bracket in Columbia

The age group that pays the least for car insurance in Columbia are drivers in their age_50s ($1,361per year). Those in their age_60s don't pay much more ($1,370).

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.


COLUMBIA CAR INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage Yearly Rate
Teenagers$6,097
20s$2,213
30s$1,599
40s$1,478
50s$1,361
60s$1,370
70s$1,645

Learn more about the impact of age on car insurance premiums.



Columbia auto insurance premiums by gender and marital status


Marital status and gender are contributing factors to car insurance rates in many cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Columbia pay $152 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Columbia, single drivers pay more than those who are widowed.

Another component of auto insurance pricing is gender. In Columbia, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.


COLUMBIA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Yearly Rate
Female$1,653
Male$1,650
Single$1,498
Married$1,498
Divorced$1,605
Widowed$1,576

Learn more about how gender and marital status have on car insurance rates.



Columbia car insurance costs by accident and violation history


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 $593per year in extra insurance expenditures.


COLUMBIA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DUI/DWI$2,243
Reckless Driving$2,247
At-fault Accident (damages less than $1,000)$2,236
At-fault Accident (damages > $2,000)$2,448
Speeding Ticket (16-20 mph over speed limit)$2,007

Learn more about citations' impact on your auto insurance rates.



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 $1,652 in savings on insurance premiums each year.


COLUMBIA CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit TierAverage Rate (annual)
Very Poor$3,671
Fair$2,019
Good$1,650
Very Good$1,447
Exceptional$1,249

Learn more about the relationship between poor credit and car insurance.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.