Best Cheap Auto Insurance in Columbia, AL (2021)

The average Columbia, AL auto insurance rates are $281 per month. The minimum auto insurance in Columbia is at least 25/50/25 in coverage to comply with Alabama auto insurance laws. To find the best cheap auto insurance in Columbia, Alabama, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Things to Remember

  • The cheapest auto insurance company in Columbia is USAA
  • Average auto insurance rates in Columbia, AL for senior drivers are $1,802 per year
  • The average commute length in Columbia is 26.8 minutes

Columbia, Alabama auto insurance requirements are 25/50/25 according to Alabama auto insurance laws. Finding cheap auto insurance in Columbia can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Columbia, Alabama, including driving record, credit, commute time, and more.

Compare auto insurance in Columbia to other Alabama cities, including Huntsville auto insurance rates, Hoover auto insurance rates, and Dothan auto insurance rates to see how Columbia, Alabama auto insurance rates stack up.

Before you buy Columbia, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Columbia, Alabama auto insurance quotes.

Minimum Auto Insurance in Columbia, Alabama

Columbia, Alabama auto insurance laws require that you have at least the Alabama minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Columbia, Alabama.

Minimum Required Auto Insurance Coverage in Columbia, Alabama

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Columbia, Alabama Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Columbia, Alabama are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Columbia, Alabama

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 $1,886 $1,801 $1,705 $1,739 $6,513 $7,013 $2,116 $2,164
Farmers $2,225 $2,209 $1,987 $2,116 $8,679 $8,928 $2,515 $2,598
GEICO $1,880 $1,862 $1,796 $1,856 $4,889 $4,766 $1,984 $1,829
Liberty Mutual $2,817 $3,042 $2,314 $2,586 $10,324 $11,478 $2,995 $3,186
Nationwide $1,616 $1,634 $1,477 $1,526 $4,196 $5,394 $1,790 $1,996
Progressive $2,166 $2,024 $1,770 $1,914 $8,650 $9,606 $2,506 $2,605
State Farm $2,871 $2,871 $2,603 $2,603 $8,751 $10,969 $3,245 $3,735
Travelers $1,250 $1,269 $1,172 $1,170 $6,502 $10,147 $1,192 $1,365
USAA $1,126 $1,142 $1,056 $1,037 $3,307 $3,662 $1,457 $1,572

Cheap Columbia, Alabama Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Columbia, Alabama is a challenge. Take a look at the annual teen auto insurance rates in Columbia, Alabama.

Annual Auto Insurance Rates for Teen Drivers in Columbia, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,513 $7,013
Farmers $8,679 $8,928
GEICO $4,889 $4,766
Liberty Mutual $10,324 $11,478
Nationwide $4,196 $5,394
Progressive $8,650 $9,606
State Farm $8,751 $10,969
Travelers $6,502 $10,147
USAA $3,307 $3,662

Cheap Columbia, Alabama Auto Insurance for Seniors

What are senior auto insurance rates in Columbia, Alabama? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Columbia, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,705 $1,739
Farmers $1,987 $2,116
GEICO $1,796 $1,856
Liberty Mutual $2,314 $2,586
Nationwide $1,477 $1,526
Progressive $1,770 $1,914
State Farm $2,603 $2,603
Travelers $1,172 $1,170
USAA $1,056 $1,037

Cheap Columbia, Alabama Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Columbia, Alabama compared to the annual auto insurance rates with a clean record in Columbia, Alabama.

Annual Columbia, Alabama Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,657 $3,127 $3,690 $2,995
Farmers $3,290 $4,258 $4,155 $3,926
GEICO $1,764 $2,830 $3,486 $2,351
Liberty Mutual $3,799 $5,289 $5,167 $5,115
Nationwide $2,152 $2,152 $3,114 $2,397
Progressive $3,527 $4,422 $3,797 $3,875
State Farm $4,243 $5,271 $4,655 $4,655
Travelers $2,510 $2,634 $3,839 $3,050
USAA $1,385 $1,736 $2,561 $1,497

Cheap Columbia, Alabama Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Columbia, Alabama is not easy. Compare the annual rates for DUI auto insurance in Columbia, Alabama to find the best deal.

Annual Auto Insurance Rates After a DUI in Columbia, Alabama

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,690
Farmers $4,155
GEICO $3,486
Liberty Mutual $5,167
Nationwide $3,114
Progressive $3,797
State Farm $4,655
Travelers $3,839
USAA $2,561

Cheap Columbia, Alabama Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Columbia, Alabama annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Columbia, Alabama

Insurance Company Poor Fair Good
Allstate $3,853 $3,025 $2,473
Farmers $4,376 $3,771 $3,574
GEICO $3,315 $2,366 $2,142
Liberty Mutual $6,927 $4,257 $3,343
Nationwide $2,952 $2,313 $2,096
Progressive $4,419 $3,777 $3,519
State Farm $7,634 $3,862 $2,622
Travelers $3,282 $2,846 $2,898
USAA $2,400 $1,575 $1,410

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Columbia, Alabama Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Columbia, Alabama can vary. Compare the annual cost of auto insurance by ZIP code in Columbia, Alabama to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Columbia, Alabama

ZIP Code Average Annual Rates
36319 $3,439

Cheap Columbia, Alabama Auto Insurance Rates By Commute

Commute length and annual mileage affect Columbia, Alabama auto insurance. Find the cheapest annual Columbia, Alabama auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Columbia, Alabama

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,117 $3,117
Farmers $3,907 $3,907
GEICO $2,560 $2,656
Liberty Mutual $4,843 $4,843
Nationwide $2,454 $2,454
Progressive $3,905 $3,905
State Farm $4,590 $4,821
Travelers $3,008 $3,008
USAA $1,713 $1,876

Cheap Columbia, Alabama Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Columbia, Alabama? Check out the comparison of annual Columbia, Alabama auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Columbia, Alabama

Insurance Company Low Medium High
Allstate $3,014 $3,113 $3,225
Farmers $3,670 $3,852 $4,199
GEICO $2,385 $2,595 $2,843
Liberty Mutual $4,613 $4,819 $5,096
Nationwide $2,416 $2,437 $2,508
Progressive $3,438 $3,872 $4,404
State Farm $4,437 $4,701 $4,979
Travelers $2,875 $3,067 $3,083
USAA $1,722 $1,784 $1,879

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Columbia, Alabama

Compare the cheapest auto insurance companies in Columbia, Alabama in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Columbia, Alabama

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

The Cheapest Columbia, Alabama Auto Insurance Companies

What auto insurance companies in Columbia, Alabama are the cheapest? Compare the top Columbia, Alabama auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Columbia, Alabama

Insurance Company Average Annual Rates
Allstate $3,117
Farmers $3,907
GEICO $2,608
Liberty Mutual $4,843
Nationwide $2,454
Progressive $3,905
State Farm $4,706
Travelers $3,008
USAA $1,795

What affects auto insurance rates in Columbia, Alabama?

There are a lot of reasons why auto insurance rates in Columbia, Alabama are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Columbia, Alabama. Many local factors may affect your Columbia auto insurance rates.

Columbia Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Columbia, Alabama commute length is 26.8 minutes according to City-Data.

Columbia Traffic

How does Columbia, Alabama rank for traffic? According to Inrix Columbia, Alabama is the 325th most congested worldwide.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Columbia, Alabama Auto Insurance Quotes

Before you buy Columbia, Alabama auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Columbia, Alabama auto insurance quotes.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption