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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Oct 13, 2021

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Here's What You Need to Know

  • The cheapest Columbia, South Carolina car insurance company is GEICO
  • Higher than average auto theft rates and mild traffic congestion impact your Columbia, South Carolina 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. Depending on these factors, you may see either higher or lower average rates for your coverage. If you have a clean driving record, chances are you’ll pay a little less than someone who has a history of distracted driving on their record.

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

What are the monthly Columbia, South Carolina car insurance rates by ZIP code?

There are plenty of insurance options out there, so it stands to reason that there are numerous factors that go into deciding what the prices are going to be. ZIP codes will play a major role in your car insurance rates, because factors like crime and traffic are calculated by ZIP code. A lot of customers don’t realize that this is one of the factors that will affect what they pay for their auto insurance policies.

This South Carolina ZIP code map gives an overview of the average annual cost and the monthly cost of insurance. Heavily populated metropolitan areas are typically the most expensive areas in a state. The average monthly cost of insurance in these ZIP codes is $331, and the average annual premium is $289.

Check out the monthly Columbia, South Carolina auto insurance rates by ZIP Code below:

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What are the Columbia, South Carolina car insurance rates vs. top US metro car insurance rates?

When you’re looking into affordable insurance rates, you might find yourself asking, “how does my Columbia, South Carolina stack up against other top US metro areas’ auto insurance rates?” We’ve got your answer below.

This graphic demonstrates that the average cost of insurance in Columbia, South Carolina is $331 per month, compared to the average cost of insurance in Chicago ($378), Houston ($398), Los Angeles ($445), and New York City ($624). Additionally, the average cost of insurance in South Carolina as a whole is $289 per month.

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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?

Which Columbia, SC car insurance company has the best rates? And how do those rates compare against the average South Carolina car insurance company rates? We’ve got the answers below.

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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. As always, make sure that the company you’re looking into is one that provides accurate quotes, and not just showcase prices that lure you in with the promise of affordable coverage offerings, only to turn around and gouge you with hidden fees.

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What are the Columbia, South Carolina car insurance rates by company and age?

Columbia, South Carolina car insurance coverage rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group. It may not matter that the cheapest companies offer a policy that fits your budget if you’re looking in the wrong age group.

Insurance providers charge different rates based on the insured individual’s age. This graphic compares the average monthly premiums for Columbia, SC’s top insurers for four different age groups. These age groups are 17-year olds, 25-year olds, 35-year olds, and 65-year olds. These average monthly premiums are an average of the rates for both males and females.

If you’re a 17-year old and are looking for the cheapest insurance provider in Columbia, GEICO has the cheapest average cost at $693. Progressive, on the other hand, is the most expensive provider, with an average cost of $1,424. The best and worst providers for 25-year olds are: Farmers ($491) and State Farm ($299). For 35-year olds, USAA is the cheapest, and Farmers is the most expensive, at $230 and $447, respectively. And for those that are in the last age group, USAA is the cheapest insurance provider ($212), and Farmers is the least affordable provider for 60-year olds at $441 on average.

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Your credit score will play a significant role in your Columbia car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Columbia, SC car insurance rates by credit score below.

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What are the cheapest Columbia, South Carolina car insurance rates by driving record?

Various factors on your driving record will have an impact on your monthly insurance costs. This graphic demonstrates how much you can expect to pay for each of these factors when you have an insurance policy with one of Columbia, SC’s top insurance providers. If you have a clean record, the insurance provider that will be the cheapest for you is GEICO at $198 per month, and the provider that is the most expensive is Farmers at $371 per month.

For those that have an accident on their record, the cheapest provider and the most costly will be Farmers ($514) and GEICO ($254) respectively. If you’ve gotten a speeding ticket, Farmers and GEICO will be the most affordable and the least affordable, at $465 and $198. Finally, for those that have had a DUI, the least expensive provider is State Farm at $198, and the most costly is Farmers at $426. Having a clean driving record can really help you out financially.

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What are some other factors affecting car insurance rates in Columbia, South Carolina?

Factors affecting car insurance rates in Columbia, SC may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Columbia, South Carolina car insurance.

This graphic demonstrates which factors will affect your average monthly insurance costs the most. These factors and the percentage increase that you can expect them to have on your average insurance costs are: 6,000 versus 12,000-mile commute (2%) commute, whether or not your insurance coverage levels are low or they are high (13%), if you have a speeding ticket on your driving record (16%), if you have an at-fault accident on record (32%), if you have a DUI on your record (42%), and whether you have good credit or bad credit (115%).

These common car insurance factors will increase your car insurance rates in Columbia, SC by the percentage below.

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What are the average monthly car insurance rates by age & gender in Columbia, South Carolina?

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. SC does use gender, so check out the average monthly car insurance rates by age and gender in Columbia, SC.

This graphic compares the average monthly insurance rates for males and females for the following ages: 17-year olds, 25-year olds, 30-year olds, and 60-year olds. At the two extremes, 17-year old males will pay $727, compared to $630 that 17-year old females will owe. On the other hand, 60-year old males can expect to pay an average of $197, and 60-year old females will pay $191.

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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.

What’s 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. This may mean you’ll have to call into customer service at one point or another, but it will be worth it. You also want to pay close attention to customer satisfaction ratings if you’re researching new companies; finding affordable rates is only half the battle. You want a company that will be able to take care of you, and sometimes that means forgoing the cheapest auto insurance in favor of a reputable company.

Remember to ask about car insurance discounts for even lower than average rates. Installing an anti-theft device, for example, can lead to significant savings. Taking a defensive driving course and practicing safe driving habits could also net you an affordable option as well. It’s never too late to clean up your driving history.

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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Monthly Columbia, SC Car Insurance Rates by ZIP Code
Columbia, SC Car Insurance Rates vs. Top US Metro Car Insurance Rates
Columbia, SC Car Insurance Rates by Company vs. City Average
Columbia, SC Car Insurance Rates by Company and Age
The Cheapest Columbia, SC Car Insurance Rates by Coverage Level
The Cheapest Columbia, SC Car Insurance Rates by Credit Score
The Cheapest Columbia, SC Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Columbia, SC
Average Monthly Car Insurance Rates by Age & Gender in Columbia, SC
Monthly Columbia, SC Car Insurance Rates by ZIP Code
Columbia, SC Car Insurance Rates vs. Top US Metro Car Insurance Rates
Columbia, SC Car Insurance Rates by Company vs. City Average
Columbia, SC Car Insurance Rates by Company and Age
The Cheapest Columbia, SC Car Insurance Rates by Coverage Level
The Cheapest Columbia, SC Car Insurance Rates by Credit Score
The Cheapest Columbia, SC Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Columbia, SC
Average Monthly Car Insurance Rates by Age & Gender in Columbia, SC