Compare Columbia, MO Car Insurance Rates (2021)

Car insurance in Columbia, MO averages $267 a month. Columbia, Missouri 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, MO.

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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: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Columbia is 65299
  • Average car insurance rates in Columbia, MO are $3,202/year
  • The cheapest car insurance company in Columbia is Nationwide

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

You’ll find Columbia car insurance rates, the cheapest Columbia, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Columbia, Missouri car insurance rates to St. Joseph car insurance rates, Lee’s Summit car insurance rates, and Blue Springs car insurance rates.

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

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

How do age, gender, and marital status affect Columbia, MO car insurance rates? Every Columbia, Missouri 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, Missouri

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 $2,699 $2,616 $2,423 $2,500 $7,389 $7,996 $2,597 $2,687
American Family $2,004 $2,004 $1,785 $1,785 $5,466 $7,106 $2,004 $2,344
Farmers $2,332 $2,318 $2,081 $2,206 $9,647 $9,968 $2,656 $2,769
GEICO $1,812 $2,031 $1,397 $1,797 $5,776 $6,115 $1,646 $1,652
Liberty Mutual $2,563 $2,776 $2,112 $2,370 $8,989 $9,982 $2,695 $2,867
Nationwide $1,357 $1,382 $1,219 $1,287 $3,456 $4,407 $1,550 $1,671
Progressive $2,051 $1,895 $1,685 $1,730 $6,861 $7,692 $2,496 $2,553
State Farm $1,521 $1,521 $1,374 $1,374 $4,603 $5,785 $1,718 $1,971
USAA $1,636 $1,622 $1,470 $1,497 $4,900 $5,991 $2,043 $2,274

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Minimum Car Insurance in Columbia, MO

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

Minimum Required Car Insurance Coverage in Columbia, Missouri

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, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbia, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,327 $3,428 $2,835
American Family $3,999 $2,815 $2,372
Farmers $4,845 $4,048 $3,850
GEICO $3,835 $2,499 $2,000
Liberty Mutual $6,147 $3,768 $2,968
Nationwide $2,402 $1,990 $1,730
Progressive $3,888 $3,236 $2,987
State Farm $3,470 $2,202 $1,777
USAA $4,483 $2,074 $1,481

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

Annual Columbia, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,322 $3,740 $4,638 $3,753
American Family $2,292 $3,320 $4,024 $2,614
Farmers $3,670 $4,574 $4,472 $4,274
GEICO $2,139 $2,820 $3,823 $2,331
Liberty Mutual $3,119 $4,483 $4,613 $4,962
Nationwide $1,602 $2,058 $2,749 $1,754
Progressive $2,917 $3,915 $3,235 $3,414
State Farm $2,268 $2,698 $2,483 $2,483
USAA $2,145 $2,604 $3,621 $2,346

Cheapest Columbia, MO Car Insurance for Teen Drivers

Teen car insurance in Columbia, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,389 $7,996
American Family $5,466 $7,106
Farmers $9,647 $9,968
GEICO $5,776 $6,115
Liberty Mutual $8,989 $9,982
Nationwide $3,456 $4,407
Progressive $6,861 $7,692
State Farm $4,603 $5,785
USAA $4,900 $5,991

Cheapest Columbia, MO Car Insurance for Seniors

Take a look at Columbia, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,423 $2,500
American Family $1,785 $1,785
Farmers $2,081 $2,206
GEICO $1,397 $1,797
Liberty Mutual $2,112 $2,370
Nationwide $1,219 $1,287
Progressive $1,685 $1,730
State Farm $1,374 $1,374
USAA $1,470 $1,497

Cheapest Columbia, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Columbia, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,638
American Family $4,024
Farmers $4,472
GEICO $3,823
Liberty Mutual $4,613
Nationwide $2,749
Progressive $3,235
State Farm $2,483
USAA $3,621

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Cheapest Columbia, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Columbia, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,863 $3,863
American Family $3,032 $3,093
Farmers $4,247 $4,247
GEICO $2,730 $2,827
Liberty Mutual $4,294 $4,294
Nationwide $2,041 $2,041
Progressive $3,370 $3,370
State Farm $2,422 $2,545
USAA $2,584 $2,775

Cheapest Columbia, MO 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, MO.

Annual Car Insurance Rates by ZIP Code in Columbia, Missouri

ZIP Code Average Annual Rates
65201 $2,625
65202 $2,625
65203 $2,600
65211 $2,646
65215 $2,684
65216 $2,672
65299 $2,571

The Best Cheap Car Insurance Companies in Columbia, MO

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

Average Annual Car Insurance Rates by Company in Columbia, Missouri

Insurance Company Average Annual Rates
Allstate $3,863
American Family $3,062
Farmers $4,247
GEICO $2,778
Liberty Mutual $4,294
Nationwide $2,041
Progressive $3,370
State Farm $2,483
USAA $2,679

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Category Winners: Cheapest Car Insurance in Columbia, Missouri

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

Best Annual Car Insurance Rates by Company in Columbia, Missouri

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

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

Annual Car Insurance Rates by Coverage Level in Columbia, Missouri

Insurance Company Low Medium High
Allstate $3,730 $3,856 $4,005
American Family $2,970 $3,159 $3,058
Farmers $3,984 $4,210 $4,548
GEICO $2,605 $2,802 $2,927
Liberty Mutual $4,042 $4,318 $4,522
Nationwide $1,921 $2,058 $2,144
Progressive $3,027 $3,382 $3,701
State Farm $2,314 $2,494 $2,642
USAA $2,578 $2,672 $2,788

What affects car insurance rates in Columbia, Missouri?

What factors can have an impact on Columbia, MO 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, Missouri.

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, MO is 16.6 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, MO traffic data from INRIX ranks Columbia as the 325th-most congested in the world.

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Compare Car Insurance Quotes in Columbia, MO

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

Free Car Insurance Comparison

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

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