Compare Columbia, SC Car Insurance Rates (2021)

Car insurance in Columbia, SC averages $331 a month. Columbia, South Carolina 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, SC.

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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: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Columbia, SC are $3,972/year
  • The cheapest car insurance company in Columbia for teen drivers is GEICO
  • The cheapest ZIP code in Columbia is 29212

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

You’ll find Columbia car insurance rates, the cheapest Columbia, SC car insurance companies, and information on South Carolina car insurance laws. You can also compare Columbia, South Carolina car insurance rates to North Charleston car insurance rates, Greenville car insurance rates, and Columbia car insurance rates.

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

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

How do age, gender, and marital status affect Columbia, SC car insurance rates? Every Columbia, South Carolina 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, South Carolina

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 $2,676 $2,676 $2,563 $2,563 $7,004 $8,935 $2,970 $3,231
Farmers $3,572 $3,584 $3,443 $3,703 $9,760 $10,699 $3,915 $3,943
GEICO $2,194 $2,194 $2,001 $2,001 $5,504 $5,620 $2,573 $2,647
Nationwide $2,534 $2,563 $2,284 $2,365 $6,243 $8,017 $2,875 $3,126
Progressive $2,586 $2,378 $2,229 $2,334 $11,011 $12,149 $2,977 $3,100
State Farm $2,042 $2,042 $1,859 $1,859 $6,024 $7,564 $2,297 $2,588
USAA $1,838 $1,842 $1,693 $1,692 $7,353 $8,044 $2,415 $2,539

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Minimum Car Insurance in Columbia, SC

Every driver must carry the minimum car insurance in Columbia, SC. Take a look at the South Carolina car insurance requirements.

Minimum Required Car Insurance Coverage in Columbia, South Carolina

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, SC Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbia, SC. 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, South Carolina

Insurance Company Poor Fair Good
Allstate $5,115 $3,859 $3,258
Farmers $6,080 $5,168 $4,734
GEICO $4,716 $2,536 $2,023
Nationwide $4,456 $3,622 $3,175
Progressive $5,379 $4,733 $4,425
State Farm $4,717 $2,876 $2,260
USAA $5,337 $2,635 $2,309

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

Annual Columbia, South Carolina Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,047 $4,887 $4,315 $4,059
Farmers $4,448 $6,163 $5,117 $5,582
GEICO $2,371 $3,050 $4,575 $2,371
Nationwide $2,996 $3,856 $4,857 $3,293
Progressive $3,965 $5,794 $4,838 $4,785
State Farm $2,972 $3,667 $3,250 $3,250
USAA $2,709 $3,344 $4,619 $3,036

Cheapest Columbia, SC Car Insurance for Teen Drivers

Teen car insurance in Columbia, SC 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, South Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,004 $8,935
Farmers $9,760 $10,699
GEICO $5,504 $5,620
Nationwide $6,243 $8,017
Progressive $11,011 $12,149
State Farm $6,024 $7,564
USAA $7,353 $8,044

Cheapest Columbia, SC Car Insurance for Seniors

Take a look at Columbia, SC 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, South Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,563 $2,563
Farmers $3,443 $3,703
GEICO $2,001 $2,001
Nationwide $2,284 $2,365
Progressive $2,229 $2,334
State Farm $1,859 $1,859
USAA $1,693 $1,692

Cheapest Columbia, SC Car Insurance Rates After a DUI

A DUI in Columbia, SC increases car insurance rates. Compare Columbia, South Carolina DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Columbia, South Carolina

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,315
Farmers $5,117
GEICO $4,575
Nationwide $4,857
Progressive $4,838
State Farm $3,250
USAA $4,619

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Cheapest Columbia, SC Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Columbia, South Carolina

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,990 $4,164
Farmers $5,327 $5,327
GEICO $3,073 $3,111
Nationwide $3,751 $3,751
Progressive $4,845 $4,845
State Farm $3,202 $3,367
USAA $3,391 $3,463

Cheapest Columbia, SC 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, SC.

Annual Car Insurance Rates by ZIP Code in Columbia, South Carolina

ZIP Code Average Annual Rates
29045 $3,640
29063 $3,632
29201 $3,794
29203 $3,751
29204 $3,752
29205 $3,706
29206 $3,586
29207 $3,607
29208 $3,812
29209 $3,696
29210 $3,756
29212 $3,579
29222 $3,854
29223 $3,710
29225 $3,644
29229 $3,739

The Best Cheap Car Insurance Companies in Columbia, SC

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

Average Annual Car Insurance Rates by Company in Columbia, South Carolina

Insurance Company Average Annual Rates
Allstate $4,077
Farmers $5,327
GEICO $3,092
Nationwide $3,751
Progressive $4,845
State Farm $3,284
USAA $3,427

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Category Winners: Cheapest Car Insurance in Columbia, South Carolina

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

Best Annual Car Insurance Rates by Company in Columbia, South Carolina

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

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

Annual Car Insurance Rates by Coverage Level in Columbia, South Carolina

Insurance Company Low Medium High
Allstate $3,834 $4,059 $4,338
Farmers $4,748 $5,326 $5,909
GEICO $2,885 $3,063 $3,328
Nationwide $3,704 $3,754 $3,794
Progressive $4,476 $4,782 $5,278
State Farm $3,034 $3,283 $3,536
USAA $3,237 $3,422 $3,622

What affects car insurance rates in Columbia, South Carolina?

What factors can have an impact on Columbia, SC 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, South Carolina.

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, SC is 18.6 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, SC traffic data from INRIX ranks Columbia as the 325th-most congested in the world.

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Compare Car Insurance Quotes in Columbia, SC

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

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