Best Cheap Auto Insurance in Columbia, KY (2021)

The average Columbia, KY auto insurance rates are $352 per month. The minimum auto insurance in Columbia is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Columbia, Kentucky, compare quotes from multiple companies.

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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.

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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...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Columbia, Kentucky is 25/50/25
  • Average auto insurance rates in Columbia, KY for senior drivers are $2,362 per year
  • The most expensive auto insurance company in Columbia for teen drivers is Travelers

Columbia, Kentucky auto insurance requirements are 25/50/25 according to Kentucky 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, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Columbia to other Kentucky cities, including Florence auto insurance rates, Independence auto insurance rates, and Hopkinsville auto insurance rates to see how Columbia, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Columbia, Kentucky

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

Minimum Required Auto Insurance Coverage in Columbia, Kentucky

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

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

Auto insurance rates in Columbia, Kentucky 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, Kentucky

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 $3,009 $2,973 $2,728 $2,907 $11,223 $12,584 $3,318 $3,498
GEICO $3,361 $3,112 $3,510 $3,179 $6,851 $8,131 $2,747 $2,372
Liberty Mutual $2,562 $2,773 $2,224 $2,476 $10,171 $11,188 $2,645 $2,695
Nationwide $3,102 $3,105 $2,800 $2,930 $6,819 $8,506 $3,500 $3,672
Progressive $2,224 $2,121 $1,991 $2,004 $10,702 $12,107 $2,759 $2,820
State Farm $1,942 $1,942 $1,737 $1,737 $5,752 $7,266 $2,164 $2,423
Travelers $2,272 $2,314 $2,222 $2,227 $10,675 $17,062 $2,370 $2,760
USAA $1,705 $1,705 $1,548 $1,570 $4,560 $4,791 $2,145 $2,344

Cheap Columbia, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Columbia, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,223 $12,584
GEICO $6,851 $8,131
Liberty Mutual $10,171 $11,188
Nationwide $6,819 $8,506
Progressive $10,702 $12,107
State Farm $5,752 $7,266
Travelers $10,675 $17,062
USAA $4,560 $4,791

Cheap Columbia, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Columbia, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,728 $2,907
GEICO $3,510 $3,179
Liberty Mutual $2,224 $2,476
Nationwide $2,800 $2,930
Progressive $1,991 $2,004
State Farm $1,737 $1,737
Travelers $2,222 $2,227
USAA $1,548 $1,570

Cheap Columbia, Kentucky 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, Kentucky compared to the annual auto insurance rates with a clean record in Columbia, Kentucky.

Annual Columbia, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,372 $5,711 $6,101 $4,937
GEICO $2,469 $4,406 $6,731 $3,024
Liberty Mutual $3,829 $5,886 $4,577 $4,075
Nationwide $3,414 $4,428 $5,612 $3,764
Progressive $3,798 $5,618 $4,332 $4,617
State Farm $2,854 $3,387 $3,120 $3,120
Travelers $4,568 $4,702 $6,779 $4,903
USAA $1,921 $2,711 $3,239 $2,313

Cheap Columbia, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Columbia, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,101
GEICO $6,731
Liberty Mutual $4,577
Nationwide $5,612
Progressive $4,332
State Farm $3,120
Travelers $6,779
USAA $3,239

Cheap Columbia, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Columbia, Kentucky

Insurance Company Poor Fair Good
Allstate $6,988 $4,830 $4,023
GEICO $6,836 $3,413 $2,224
Liberty Mutual $6,549 $4,038 $3,189
Nationwide $5,239 $4,104 $3,569
Progressive $5,138 $4,471 $4,165
State Farm $4,501 $2,727 $2,133
Travelers $5,851 $4,942 $4,921
USAA $3,769 $2,129 $1,740

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Cheap Columbia, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Columbia, Kentucky

ZIP Code Average Annual Rates
42728 $3,801

Cheap Columbia, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Columbia, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,280 $5,280
GEICO $4,119 $4,197
Liberty Mutual $4,592 $4,592
Nationwide $4,304 $4,304
Progressive $4,591 $4,591
State Farm $3,046 $3,195
Travelers $5,238 $5,238
USAA $2,451 $2,641

Cheap Columbia, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Columbia, Kentucky

Insurance Company Low Medium High
Allstate $4,883 $5,258 $5,700
GEICO $3,895 $4,144 $4,435
Liberty Mutual $4,333 $4,555 $4,887
Nationwide $4,380 $4,252 $4,281
Progressive $4,232 $4,531 $5,011
State Farm $2,942 $3,115 $3,304
Travelers $4,996 $5,263 $5,454
USAA $2,411 $2,539 $2,688

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Best By Category: Cheapest Auto Insurance in Columbia, Kentucky

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

Best Annual Auto Insurance Rates by Company in Columbia, Kentucky

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

The Cheapest Columbia, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Columbia, Kentucky

Insurance Company Average Annual Rates
Allstate $5,280
GEICO $4,158
Liberty Mutual $4,592
Nationwide $4,304
Progressive $4,591
State Farm $3,120
Travelers $5,238
USAA $2,546

What affects auto insurance rates in Columbia, Kentucky?

There are a lot of reasons why auto insurance rates in Columbia, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Columbia, Kentucky. 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, Kentucky commute length is 16.2 minutes according to City-Data.

Columbia Traffic

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

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Compare Columbia, Kentucky Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

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