Compare Columbia, MD Car Insurance Rates (2021)

Car insurance in Columbia, MD averages $400 a month. Columbia, Maryland car insurance requirements are 30/60/15, 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, MD.

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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® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Columbia is 21044
  • Average car insurance rates in Columbia, MD are $4,796/year
  • Average car insurance rates in Columbia, MD after a DUI are $5,592/year

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

You’ll find Columbia car insurance rates, the cheapest Columbia, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Columbia, Maryland car insurance rates to College Park car insurance rates, Rockville car insurance rates, and Greenbelt car insurance rates.

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

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

How do age, gender, and marital status affect Columbia, MD car insurance rates? Every Columbia, Maryland 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, Maryland

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 $3,932 $3,761 $3,763 $3,864 $11,813 $13,913 $3,526 $3,559
GEICO $2,488 $2,722 $2,837 $3,278 $7,566 $8,603 $2,133 $2,238
Liberty Mutual $6,594 $6,594 $6,519 $6,519 $12,768 $18,907 $6,594 $8,869
Nationwide $2,046 $2,050 $1,852 $1,904 $4,821 $6,329 $2,372 $2,550
Progressive $2,700 $2,424 $2,350 $2,403 $9,834 $10,745 $3,148 $3,067
State Farm $2,466 $2,466 $2,272 $2,272 $7,893 $10,114 $2,759 $3,113
USAA $1,911 $1,875 $1,791 $1,782 $4,256 $5,010 $2,193 $2,442

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Minimum Car Insurance in Columbia, MD

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

Minimum Required Car Insurance Coverage in Columbia, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Columbia, MD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbia, MD. 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, Maryland

Insurance Company Poor Fair Good
Allstate $7,808 $5,437 $4,804
GEICO $4,515 $3,740 $3,694
Liberty Mutual $13,109 $8,446 $5,956
Nationwide $3,821 $2,705 $2,446
Progressive $5,761 $4,347 $3,645
State Farm $6,105 $3,617 $2,786
USAA $3,538 $2,433 $2,002

Cheapest Columbia, MD 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, MD to rates for a clean record with top companies.

Annual Columbia, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,311 $7,106 $5,311 $6,338
GEICO $2,818 $4,402 $5,370 $3,342
Liberty Mutual $6,588 $8,680 $13,076 $8,337
Nationwide $2,632 $3,532 $2,816 $2,983
Progressive $3,906 $5,203 $4,729 $4,498
State Farm $3,732 $4,704 $4,121 $4,121
USAA $2,090 $2,566 $3,725 $2,249

Cheapest Columbia, MD Car Insurance for Teen Drivers

Teen car insurance in Columbia, MD 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, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,813 $13,913
GEICO $7,566 $8,603
Liberty Mutual $12,768 $18,907
Nationwide $4,821 $6,329
Progressive $9,834 $10,745
State Farm $7,893 $10,114
USAA $4,256 $5,010

Cheapest Columbia, MD Car Insurance for Seniors

Take a look at Columbia, MD 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, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,763 $3,864
GEICO $2,837 $3,278
Liberty Mutual $6,519 $6,519
Nationwide $1,852 $1,904
Progressive $2,350 $2,403
State Farm $2,272 $2,272
USAA $1,791 $1,782

Cheapest Columbia, MD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Columbia, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,311
GEICO $5,370
Liberty Mutual $13,076
Nationwide $2,816
Progressive $4,729
State Farm $4,121
USAA $3,725

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Cheapest Columbia, MD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Columbia, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,930 $6,102
GEICO $3,918 $4,048
Liberty Mutual $8,926 $9,415
Nationwide $2,991 $2,991
Progressive $4,584 $4,584
State Farm $4,063 $4,276
USAA $2,575 $2,740

Cheapest Columbia, MD Car Insurance Rates by ZIP Code

Columbia car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Columbia, MD.

Annual Car Insurance Rates by ZIP Code in Columbia, Maryland

ZIP Code Average Annual Rates
21044 $4,058
21045 $4,125
21046 $4,097

The Best Cheap Car Insurance Companies in Columbia, MD

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

Average Annual Car Insurance Rates by Company in Columbia, Maryland

Insurance Company Average Annual Rates
Allstate $6,016
GEICO $3,983
Liberty Mutual $9,170
Nationwide $2,991
Progressive $4,584
State Farm $4,169
USAA $2,658

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Category Winners: Cheapest Car Insurance in Columbia, Maryland

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

Best Annual Car Insurance Rates by Company in Columbia, Maryland

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

Cheapest Columbia, MD 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, MD car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Columbia, Maryland

Insurance Company Low Medium High
Allstate $5,851 $5,975 $6,223
GEICO $3,840 $3,959 $4,150
Liberty Mutual $8,891 $9,147 $9,473
Nationwide $2,860 $3,000 $3,112
Progressive $4,367 $4,587 $4,798
State Farm $3,945 $4,184 $4,380
USAA $2,513 $2,666 $2,793

What affects car insurance rates in Columbia, Maryland?

What factors can have an impact on Columbia, MD 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, Maryland.

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, MD is 30.3 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, MD traffic data from INRIX ranks Columbia as the 325th-most congested in the world.

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Compare Car Insurance Quotes in Columbia, MD

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

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