Compare Columbia, TN Car Insurance Rates (2021)

Car insurance in Columbia, TN averages $305 a month. Columbia, Tennessee car insurance requirements are 25/50/15, 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, TN.

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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

  • The cheapest car insurance company in Columbia is State Farm
  • The cheapest car insurance company in Columbia for teen drivers is State Farm
  • Average car insurance rates in Columbia, TN are $3,658/year

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

You’ll find Columbia car insurance rates, the cheapest Columbia, TN car insurance companies, and information on Tennessee car insurance laws. You can also compare Columbia, Tennessee car insurance rates to Bartlett car insurance rates, Murfreesboro car insurance rates, and Johnson City car insurance rates.

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

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

How do age, gender, and marital status affect Columbia, TN car insurance rates? Every Columbia, Tennessee 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, Tennessee

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 $2,816 $2,709 $2,530 $2,627 $10,499 $11,445 $3,012 $3,118
Farmers $1,881 $1,915 $1,690 $1,844 $7,422 $7,867 $2,535 $2,703
GEICO $2,124 $2,146 $1,959 $1,959 $6,385 $6,506 $2,154 $2,222
Liberty Mutual $3,522 $129 $2,890 $3,231 $14,592 $16,219 $3,778 $4,023
Nationwide $2,179 $2,195 $1,954 $1,983 $6,026 $7,761 $2,507 $2,717
Progressive $1,962 $1,853 $1,599 $1,669 $8,765 $9,875 $2,368 $2,588
State Farm $1,600 $1,600 $1,443 $1,443 $4,875 $6,105 $1,807 $2,096
Travelers $1,760 $1,851 $1,610 $1,713 $5,037 $6,272 $1,871 $1,969
USAA $1,553 $1,582 $1,399 $1,400 $5,479 $6,295 $2,026 $2,162

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Minimum Car Insurance in Columbia, TN

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

Minimum Required Car Insurance Coverage in Columbia, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Columbia, TN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbia, TN. 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, Tennessee

Insurance Company Poor Fair Good
Allstate $6,178 $4,736 $3,620
Farmers $4,149 $3,236 $3,061
GEICO $3,612 $3,091 $2,842
Liberty Mutual $8,656 $5,322 $4,165
Nationwide $4,094 $3,259 $2,892
Progressive $4,315 $3,717 $3,473
State Farm $3,806 $2,284 $1,773
Travelers $3,503 $2,764 $2,013
USAA $3,973 $2,323 $1,915

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

Annual Columbia, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,066 $4,842 $5,827 $4,642
Farmers $2,973 $3,680 $3,753 $3,522
GEICO $2,307 $3,097 $5,017 $2,307
Liberty Mutual $4,905 $7,074 $6,575 $5,637
Nationwide $2,956 $2,956 $4,435 $3,313
Progressive $3,378 $4,383 $3,598 $3,981
State Farm $2,390 $2,852 $2,621 $2,621
Travelers $2,235 $2,875 $3,181 $2,750
USAA $1,993 $2,979 $3,504 $2,471

Cheapest Columbia, TN Car Insurance for Teen Drivers

Teen car insurance in Columbia, TN 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, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,499 $11,445
Farmers $7,422 $7,867
GEICO $6,385 $6,506
Liberty Mutual $14,592 $16,219
Nationwide $6,026 $7,761
Progressive $8,765 $9,875
State Farm $4,875 $6,105
Travelers $5,037 $6,272
USAA $5,479 $6,295

Cheapest Columbia, TN Car Insurance for Seniors

Take a look at Columbia, TN 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, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,530 $2,627
Farmers $1,690 $1,844
GEICO $1,959 $1,959
Liberty Mutual $2,890 $3,231
Nationwide $1,954 $1,983
Progressive $1,599 $1,669
State Farm $1,443 $1,443
Travelers $1,610 $1,713
USAA $1,399 $1,400

Cheapest Columbia, TN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Columbia, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,827
Farmers $3,753
GEICO $5,017
Liberty Mutual $6,575
Nationwide $4,435
Progressive $3,598
State Farm $2,621
Travelers $3,181
USAA $3,504

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Cheapest Columbia, TN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Columbia, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,844 $4,844
Farmers $3,482 $3,482
GEICO $3,164 $3,200
Liberty Mutual $6,048 $6,048
Nationwide $3,415 $3,415
Progressive $3,835 $3,835
State Farm $2,558 $2,684
Travelers $2,652 $2,869
USAA $2,660 $2,814

The Best Cheap Car Insurance Companies in Columbia, TN

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

Average Annual Car Insurance Rates by Company in Columbia, Tennessee

Insurance Company Average Annual Rates
Allstate $4,844
Farmers $3,482
GEICO $3,182
Liberty Mutual $6,048
Nationwide $3,415
Progressive $3,835
State Farm $2,621
Travelers $2,760
USAA $2,737

Category Winners: Cheapest Car Insurance in Columbia, Tennessee

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

Best Annual Car Insurance Rates by Company in Columbia, Tennessee

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

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

Annual Car Insurance Rates by Coverage Level in Columbia, Tennessee

Insurance Company Low Medium High
Allstate $4,676 $4,833 $5,024
Farmers $3,305 $3,467 $3,674
GEICO $3,032 $3,177 $3,336
Liberty Mutual $5,787 $6,049 $6,308
Nationwide $3,438 $3,344 $3,464
Progressive $3,608 $3,836 $4,060
State Farm $2,469 $2,634 $2,761
Travelers $2,590 $2,759 $2,932
USAA $2,655 $2,728 $2,828

What affects car insurance rates in Columbia, Tennessee?

What factors can have an impact on Columbia, TN 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, Tennessee.

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, TN is 27.9 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, TN traffic data from INRIX ranks Columbia as the 325th-most congested in the world.

Compare Car Insurance Quotes in Columbia, TN

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

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