Compare Columbia, SC Car Insurance Rates (2021)

The average cost of car insurance in Columbia, South Carolina is $331 per month or $3,972 annually. The cheapest Columbia, SC car insurance company is GEICO. However, your Columbia, SC car insurance rates vary depending on your age, driving record, and coverage needs. Columbia residents must carry the South Carolina legal minimum auto insurance requirements of 25/50/25 in liability coverage plus uninsured motorist coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 26, 2021

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Here's What You Need to Know

  • The cheapest Columbia, SC car insurance company is GEICO
  • Higher than average auto theft rates and mild traffic congestion impact your Columbia, SC insurance costs
  • Columbia insurance rates are average compared to the rest of South Carolina

Columbia, South Carolina car insurance costs $331 per month or $3,972 per year on average. However, premiums vary based on your age, driving record, and coverage requirements.

Below, compare rates from the leading providers in Columbia and learn how to find cheap car insurance in your city.

Enter your Columbia ZIP code into our free tool above to immediately compare Columbia, SC car insurance quotes from reputable providers near you.

What is the cheapest car insurance company in Columbia, SC?

The most affordable Columbia, SC car insurance company is GEICO. Below, see a list of the top companies in Columbia organized from least to most expensive.

  • GEICO – $3,091.82
  • State Farm – $3,284.49
  • USAA – $3,427.09
  • Nationwide – $3,750.87
  • Allstate – $4,077.17
  • Progressive – $4,845.47
  • Farmers – $5,327.46

Insurance companies calculate rates in slightly different ways. Your age, driving record, and coverage needs all impact your overall costs.

Compare quotes from more than one of the providers listed above to secure your best prices.

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What car insurance coverage is required in Columbia, SC?

All Columbia residents must purchase at least the South Carolina legal auto insurance minimums to drive legally on the roads.

What is the penalty for driving without insurance in South Carolina? Potential jail time and fines of up to $750.

South Carolina currently requires drivers to carry the following limits:

  • $25,000 per person and $50,000 per incident in bodily injury liability coverage
  • $25,000 in property damage liability
  • Additional $25,000 per person and $50,000 per incident in uninsured motorist coverage

South Carolina is a tort or at-fault state. If you cause an accident, your liability car insurance coverage pays for the damages to the other party involved.

All providers must offer you underinsured motorist coverage, slightly different from the required uninsured motorist coverage.

However, you have the option to turn down the additional underinsured motorist coverage.

What affects car insurance rates in Columbia, SC?

Columbia’s higher than average vehicle theft statistics, and severe annual weather conditions may impact your regional car insurance rates. Your city also experiences moderate traffic congestion.

Driving often in heavy traffic can increase your insurance premiums. According to INRIX, Columbia is the 54th most congested city in America.

However, City-Data reports that the average commute time for Columbia residents is only 15.8 minutes.

Unfortunately, the vehicle theft rates for Columbia are much higher than the state average. The Federal Bureau of Investigation (FBI) recorded 791 vehicle thefts in 2017 or 586.1 car thefts per 100,000 residents.

Finally, South Carolina experiences annual tornadoes as well as flooding. The severe Columbia, SC weather patterns may also increase your city insurance rates.

Columbia, SC Car Insurance: The Bottom Line

Overall, Columbia, SC auto insurance rates are average compared to the rest of the state. By taking the time to compare companies online and shop around, you’ll quickly secure cheap car insurance.

Remember to ask about car insurance discounts for even lower rates. Installing an anti-theft device, for example, can lead to significant savings.

Now that you’re ready to buy Columbia, SC car insurance, enter your ZIP code into our free quote tool below to receive rates from the top providers near you immediately.

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