Best Cheap Auto Insurance in Columbia, SC (2021)

The cheapest Columbia, SC auto insurance is from GEICO, but rates will vary by driver. Auto insurance in Columbia must meet the South Carolina requirements of 25/50/25 in both liability and uninsured/underinsured motorist coverages. Compare Columbia, SC auto insurance quotes online to find your best deal.

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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: Aug 4, 2021

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Things to Remember

  • GEICO is the cheapest Columbia, SC auto insurance company
  • Columbia auto insurance is less expensive than the national average
  • Columbia drivers commute times are a little longer than average

Columbia, SC auto insurance is more expensive than the average South Carolina auto insurance but cheaper than the national average.

The good news is that you can find affordable Columbia, SC auto insurance if you shop around. Compare rates from different companies to find the cheapest auto insurance for you.

Monthly Columbia, SC Car Insurance Rates by ZIP Code

Find more info about the monthly Columbia, SC auto insurance rates by ZIP Code below:

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Columbia, SC Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Columbia, SC against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Columbia, SC auto insurance quotes from multiple companies for free.

What is the cheapest auto insurance company in Columbia, SC?

The cheapest Columbia, SC auto insurance company is GEICO, although rates will vary by driver.

The cheapest Columbia, SC car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average South Carolina car insurance company rates?” We cover that as well.

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The top Columbia, SC auto insurance companies listed from least to most expensive are:

  • GEICO – $3,091.82
  • State Farm – $3,284.49
  • USAA – $3,427.09
  • Nationwide – $3,750.87
  • Allstate – $4,077.17
  • Progressive – $4,845.47
  • Farmers – $5,327.46

There are many factors that affect auto insurance rates, such as your age, gender, driving record, and where you live. All of these factors determine your rates so each driver will have different rates.

Columbia, South Carolina car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Columbia, SC car insurance rates. Find the cheapest Columbia, South Carolina car insurance rates by coverage level below:

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Your credit score will play a major role in your Columbia, SC car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Columbia, SC car insurance rates by credit score below.

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Your driving record will affect your Columbia car insurance rates. For example, a Columbia, South Carolina DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Columbia, South Carolina car insurance rates by driving record.

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Factors affecting car insurance rates in Columbia, SC may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Columbia, South Carolina car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Columbia. SC does use gender, so check out the average monthly car insurance rates by age and gender in Columbia, SC.

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What auto insurance coverage is required in Columbia, SC?

South Carolina requires that drivers carry at least a minimum amount of auto insurance. Columbia drivers must carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per incident for uninsured/underinsured motorist property damage coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist bodily injury coverage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

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What affects auto insurance rates in Columbia, SC?

Traffic affects your auto insurance rates since more cars on the road equal more chances of being in an accident.

INRIX ranks Columbia, SC as the 54th most congested city in the U.S.

City-Data shows that most drivers in Columbia commute about 35 minutes, higher than the national average. Most drivers tend to commute alone, but a large number takes public transit or walks,

Theft can also cause your rates to increase. According to the FBI, there were 791 motor vehicle thefts in one year in Columbia.

Columbia, SC Auto Insurance: The Bottom Line

Columbia car insurance can be expensive, but you can save money by shopping around. Before you buy Columbia, SC auto insurance, compare quotes to see which company can offer you the best deal.

Enter your ZIP code now to compare Columbia, SC auto insurance rates for free near you.

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

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Monthly Columbia, SC Auto Insurance Rates by ZIP Code
Columbia, SC Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Columbia, SC Auto Insurance Rates by Company vs. City Average
Columbia, SC Auto Insurance Rates by Company and Age
The Cheapest Columbia, SC Auto Insurance Rates by Coverage Level
The Cheapest Columbia, SC Auto Insurance Rates by Credit Score
The Cheapest Columbia, SC Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Columbia, SC
Average Monthly Auto Insurance Rates by Age & Gender in Columbia, SC
Monthly Columbia, SC Auto Insurance Rates by ZIP Code
Columbia, SC Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Columbia, SC Auto Insurance Rates by Company vs. City Average
Columbia, SC Auto Insurance Rates by Company and Age
The Cheapest Columbia, SC Auto Insurance Rates by Coverage Level
The Cheapest Columbia, SC Auto Insurance Rates by Credit Score
The Cheapest Columbia, SC Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Columbia, SC
Average Monthly Auto Insurance Rates by Age & Gender in Columbia, SC