Best Cheap Auto Insurance in Columbia, PA (2021)

The average Columbia, PA auto insurance rates are $294 per month. The minimum auto insurance in Columbia is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Columbia, Pennsylvania, 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, Pennsylvania is 15/30/5
  • Average auto insurance rates in Columbia, PA for senior drivers are $1,791 per year
  • The most expensive auto insurance company in Columbia for teen drivers is Travelers

Columbia, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania 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, Pennsylvania, including driving record, credit, commute time, and more.

Compare auto insurance in Columbia to other Pennsylvania cities, including Lancaster auto insurance rates, Philadelphia auto insurance rates, and Reading auto insurance rates to see how Columbia, Pennsylvania auto insurance rates stack up.

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

Minimum Auto Insurance in Columbia, Pennsylvania

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

Minimum Required Auto Insurance Coverage in Columbia, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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

Auto insurance rates in Columbia, Pennsylvania 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, Pennsylvania

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 $2,143 $2,143 $1,997 $1,997 $7,398 $7,398 $2,333 $2,333
GEICO $1,782 $1,544 $1,699 $1,473 $4,485 $3,889 $1,783 $1,545
Liberty Mutual $3,190 $3,190 $2,926 $2,926 $9,243 $9,243 $4,039 $4,039
Nationwide $1,725 $1,725 $1,636 $1,636 $4,912 $4,912 $1,938 $1,938
Progressive $2,576 $2,576 $2,302 $2,302 $8,512 $8,512 $3,293 $3,293
State Farm $1,482 $1,482 $1,317 $1,317 $5,459 $5,459 $1,642 $1,642
Travelers $1,510 $1,510 $1,636 $1,636 $22,227 $22,227 $1,809 $1,809
USAA $1,023 $1,023 $929 $929 $3,160 $3,160 $1,350 $1,350

Cheap Columbia, Pennsylvania Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Columbia, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,398 $7,398
GEICO $4,485 $3,889
Liberty Mutual $9,243 $9,243
Nationwide $4,912 $4,912
Progressive $8,512 $8,512
State Farm $5,459 $5,459
Travelers $22,227 $22,227
USAA $3,160 $3,160

Cheap Columbia, Pennsylvania Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Columbia, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,997 $1,997
GEICO $1,699 $1,473
Liberty Mutual $2,926 $2,926
Nationwide $1,636 $1,636
Progressive $2,302 $2,302
State Farm $1,317 $1,317
Travelers $1,636 $1,636
USAA $929 $929

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

Annual Columbia, Pennsylvania Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,318 $3,918 $3,318 $3,318
GEICO $1,688 $2,849 $2,244 $2,320
Liberty Mutual $4,401 $5,092 $4,953 $4,953
Nationwide $1,846 $2,472 $3,434 $2,460
Progressive $3,774 $5,251 $3,882 $3,777
State Farm $2,250 $2,701 $2,475 $2,475
Travelers $4,807 $6,862 $8,650 $6,862
USAA $1,297 $1,800 $1,917 $1,448

Cheap Columbia, Pennsylvania Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Columbia, Pennsylvania

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,318
GEICO $2,244
Liberty Mutual $4,953
Nationwide $3,434
Progressive $3,882
State Farm $2,475
Travelers $8,650
USAA $1,917

Cheap Columbia, Pennsylvania Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Columbia, Pennsylvania

Insurance Company Poor Fair Good
Allstate $4,427 $3,308 $2,668
GEICO $3,408 $1,926 $1,491
Liberty Mutual $6,187 $4,440 $3,922
Nationwide $2,990 $2,467 $2,203
Progressive $5,513 $3,881 $3,119
State Farm $3,524 $2,181 $1,720
Travelers $7,375 $6,684 $6,327
USAA $2,009 $1,503 $1,335

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Cheap Columbia, Pennsylvania Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Columbia, Pennsylvania

ZIP Code Average Annual Rates
17512 $4,380

Cheap Columbia, Pennsylvania Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Columbia, Pennsylvania

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,397 $3,539
GEICO $2,242 $2,308
Liberty Mutual $4,727 $4,973
Nationwide $2,553 $2,553
Progressive $4,171 $4,171
State Farm $2,402 $2,548
Travelers $6,795 $6,795
USAA $1,570 $1,661

Cheap Columbia, Pennsylvania Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Columbia, Pennsylvania

Insurance Company Low Medium High
Allstate $3,298 $3,493 $3,612
GEICO $2,075 $2,299 $2,452
Liberty Mutual $4,590 $4,889 $5,070
Nationwide $2,555 $2,592 $2,512
Progressive $3,804 $4,209 $4,500
State Farm $2,300 $2,513 $2,613
Travelers $6,869 $6,809 $6,708
USAA $1,483 $1,633 $1,731

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Best By Category: Cheapest Auto Insurance in Columbia, Pennsylvania

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

Best Annual Auto Insurance Rates by Company in Columbia, Pennsylvania

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, Pennsylvania Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Columbia, Pennsylvania

Insurance Company Average Annual Rates
Allstate $3,468
GEICO $2,275
Liberty Mutual $4,850
Nationwide $2,553
Progressive $4,171
State Farm $2,475
Travelers $6,795
USAA $1,616

What affects auto insurance rates in Columbia, Pennsylvania?

There are a lot of reasons why auto insurance rates in Columbia, Pennsylvania are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Columbia, Pennsylvania. 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, Pennsylvania commute length is 24.8 minutes according to City-Data.

Columbia Traffic

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

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Compare Columbia, Pennsylvania Auto Insurance Quotes

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