Compare Columbia, KY Car Insurance Rates (2021)

Car insurance in Columbia, KY averages $352 a month. Columbia, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Columbia car insurance rates, compare quotes from the top car insurance companies in Columbia, KY.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Columbia, KY are $4,229/year
  • The cheapest car insurance company in Columbia for teen drivers is USAA
  • The cheapest car insurance company in Columbia is USAA

If you need to buy Columbia, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Columbia, KY is right here.

You’ll find Columbia car insurance rates, the cheapest Columbia, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Columbia, Kentucky car insurance rates to Covington car insurance rates, Henderson car insurance rates, and Owensboro car insurance rates.

Ready to find affordable Columbia, KY car insurance today? Enter your ZIP code for fast, free Columbia car insurance quotes.

Cheapest Columbia, KY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Columbia, KY car insurance rates? Every Columbia, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Columbia, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,009 $2,973 $2,728 $2,907 $11,223 $12,584 $3,318 $3,498
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,562 $2,773 $2,224 $2,476 $10,171 $11,188 $2,645 $2,695
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $2,224 $2,121 $1,991 $2,004 $10,702 $12,107 $2,759 $2,820
State Farm $1,942 $1,942 $1,737 $1,737 $5,752 $7,266 $2,164 $2,423
Travelers $2,272 $2,314 $2,222 $2,227 $10,675 $17,062 $2,370 $2,760
USAA $1,705 $1,705 $1,548 $1,570 $4,560 $4,791 $2,145 $2,344

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Columbia, KY

Every driver must carry the minimum car insurance in Columbia, KY. Take a look at the Kentucky car insurance requirements.

Minimum Required Car Insurance Coverage in Columbia, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Columbia, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbia, KY. Compare credit history car insurance rates in Columbia from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Columbia, Kentucky

Insurance Company Poor Fair Good
Allstate $6,988 $4,830 $4,023
GEICO $6,836 $3,413 $2,224
Liberty Mutual $6,549 $4,038 $3,189
Nationwide $5,239 $4,104 $3,569
Progressive $5,138 $4,471 $4,165
State Farm $4,501 $2,727 $2,133
Travelers $5,851 $4,942 $4,921
USAA $3,769 $2,129 $1,740

Cheapest Columbia, KY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Columbia, KY to rates for a clean record with top companies.

Annual Columbia, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,372 $5,711 $6,101 $4,937
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,829 $5,886 $4,577 $4,075
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,798 $5,618 $4,332 $4,617
State Farm $2,854 $3,387 $3,120 $3,120
Travelers $4,568 $4,702 $6,779 $4,903
USAA $1,921 $2,711 $3,239 $2,313

Cheapest Columbia, KY Car Insurance for Teen Drivers

Teen car insurance in Columbia, KY can be expensive. Take a look at rates from the top car insurance companies in Columbia for teenagers.

Annual Car Insurance Rates for Teen Drivers in Columbia, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,223 $12,584
GEICO $6,851 $8,131
Liberty Mutual $10,171 $11,188
Nationwide $6,819 $8,506
Progressive $10,702 $12,107
State Farm $5,752 $7,266
Travelers $10,675 $17,062
USAA $4,560 $4,791

Cheapest Columbia, KY Car Insurance for Seniors

Take a look at Columbia, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Columbia, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,728 $2,907
GEICO $3,510 $3,179
Liberty Mutual $2,224 $2,476
Nationwide $2,800 $2,930
Progressive $1,991 $2,004
State Farm $1,737 $1,737
Travelers $2,222 $2,227
USAA $1,548 $1,570

Cheapest Columbia, KY Car Insurance Rates After a DUI

A DUI in Columbia, KY increases car insurance rates. Compare Columbia, Kentucky DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Columbia, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,101
GEICO $6,731
Liberty Mutual $4,577
Nationwide $5,612
Progressive $4,332
State Farm $3,120
Travelers $6,779
USAA $3,239

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Columbia, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Columbia, KY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Columbia, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,280 $5,280
GEICO $4,119 $4,197
Liberty Mutual $4,592 $4,592
Nationwide $4,304 $4,304
Progressive $4,591 $4,591
State Farm $3,046 $3,195
Travelers $5,238 $5,238
USAA $2,451 $2,641

The Best Cheap Car Insurance Companies in Columbia, KY

Take a look at a side-by-side comparison of the top car insurance companies in Columbia, KY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Columbia, Kentucky

Insurance Company Average Annual Rates
Allstate $5,280
GEICO $4,158
Liberty Mutual $4,592
Nationwide $4,304
Progressive $4,591
State Farm $3,120
Travelers $5,238
USAA $2,546

Category Winners: Cheapest Car Insurance in Columbia, Kentucky

Find the cheapest car insurance companies in Columbia, KY for each category right here.

Best Annual Car Insurance Rates by Company in Columbia, Kentucky

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Columbia, KY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Columbia car insurance rates. Find the cheapest Columbia, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Columbia, Kentucky

Insurance Company Low Medium High
Allstate $4,883 $5,258 $5,700
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,333 $4,555 $4,887
Nationwide $4,380 $4,252 $4,281
Progressive $4,232 $4,531 $5,011
State Farm $2,942 $3,115 $3,304
Travelers $4,996 $5,263 $5,454
USAA $2,411 $2,539 $2,688

What affects car insurance rates in Columbia, Kentucky?

What factors can have an impact on Columbia, KY car insurance? There are several reasons why Columbia car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Columbia, Kentucky.

Commute Time in Columbia

The more time you spend in your car the higher the risk of an accident. The average commute length in Columbia, KY is 16.2 minutes according to City-Data.

Traffic in Columbia

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Columbia, KY traffic data from INRIX ranks Columbia as the 325th-most congested in the world.

Compare Car Insurance Quotes in Columbia, KY

Ready to find affordable Columbia, Kentucky car insurance today? Enter your ZIP code for fast, free Columbia, KY car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption