Best Cheap Auto Insurance in Columbia, MO (2021)

The average Columbia, MO auto insurance rates are $267 per month. The minimum auto insurance in Columbia is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Columbia, Missouri, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 16, 2021

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Things to Remember

  • The minimum auto insurance required in Columbia, Missouri is 25/50/25
  • The most expensive auto insurance company in Columbia for teen drivers is Farmers
  • The cheapest auto insurance company in Columbia is Nationwide

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

Compare auto insurance in Columbia to other Missouri cities, including St. Charles auto insurance rates, Independence auto insurance rates, and Lee’s Summit auto insurance rates to see how Columbia, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Columbia, Missouri

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

Minimum Required Auto 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

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

Auto insurance rates in Columbia, Missouri 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, 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

Cheap Columbia, Missouri Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Columbia, Missouri Auto Insurance for Seniors

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

Annual Auto 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

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

Annual Columbia, Missouri Auto 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

Cheap Columbia, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Columbia, Missouri

Insurance Company Annual Auto 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

Cheap Columbia, Missouri Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Columbia, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto 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

Cheap Columbia, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Columbia, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Columbia, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Columbia, Missouri

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

Best Annual Auto 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

The Cheapest Columbia, Missouri Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Columbia, Missouri?

There are a lot of reasons why auto insurance rates in Columbia, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Columbia, Missouri. 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, Missouri commute length is 16.6 minutes according to City-Data.

Columbia Traffic

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

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Compare Columbia, Missouri Auto Insurance Quotes

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