Columbia, SC Car Insurance

The Zebra
May 30, 2018

Car Insurance in Columbia

With premiums within $66 of the national average, South Carolina has rates that are relatively similar to the nation. Going over some tips about how to save on Columbia car insurance can save you some hard-earned money.

  • City Average: $1,353
  • State Average: $1,361
  • National Average: $1,427

Columbia Car Insurance by Age

The greatest fall in premiums between any age group is from the teenage age range to the 20s, as drivers in Columbia start paying 62% less in premiums. In Columbia, turning 60 means an increase in premiums. Up until then, transitioning from one age group to the next means decreasing prices. Car insurance premiums are highest for teenage drivers, with rates that average $4,972 per year. Drivers in their 50s save money on car insurance payments, as they have the lowest rates among all age groups, paying only $1,237 annually. However, those in their 60s ($1,280) have premiums that aren't much higher.

  • Teenagers: $4,972
  • 20s: $1,873
  • 30s: $1,337
  • 40s: $1,300
  • 50s: $1,237
  • 60s: $1,280
  • 70s: $1,555

Columbia Car Insurance by Credit Rating

Improving your credit can save you a good bundle of money. Those in the bottom credit tier (300-579) pay an average of more than twice as much for car insurance than those in the top credit tier (800-850). Drivers will see the greatest percent decrease in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them 21% per year.

  • Very Poor: $2,714
  • Fair: $2,140
  • Good: $1,692
  • Very Good: $1,409
  • Exceptional: $1,211

Columbia Car Insurance by Accident or Violation History

Possessing an untarnished driving record is crutial if you want to keep your premiums low. Reckless driving will increase your car insurance premiums more than other driving violations. In general, a DUI in Columbia will cost you 53% more in car insurance premiums versus the city average of $1,353. Reckless driving will also bump your rates up, with typical rates of $2,123! For those in Columbia with at-fault accidents, car insurance is an average of $655 more per year.

  • DUI: $2,067
  • Reckless Driving: $2,123
  • At-fault Accident (damages less than $1000): $2,008
  • At-fault Accident (damages greater than $2000): $2,008
  • Speeding Ticket (16-20 mph over speed limit): $1,632

Columbia Car Insurance by Gender and Marital Status

In Columbia, many driver traits, including gender and marital status, have an effect on car insurance premiums. Premiums for men are generally 3% more pricey than for women. You can save close to $70 per year if you're married as opposed to single. Rates for those who are widowed are slightly cheaper than rates for those who are single.

  • Female: $1,317
  • Male: $1,353
  • Single: $1,353
  • Married: $1,285
  • Divorced: $1,353
  • Widowed: $1,328

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