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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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: Apr 26, 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.

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 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.

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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.

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.

Free Auto Insurance Comparison

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

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