Best Cheap Car Insurance Companies in Columbia, Mo.
We recommend Missouri Farm Bureau, USAA, State Farm, Progressive and Travelers as the best car insurance options in Columbia. These companies offer rates lower than the minimum- and full-coverage averages for the city, and are known for providing excellent customer service and high-quality coverage.
Keep reading: Cheap Car Insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with good credit and a clean driving history.
How Much Is Car Insurance in Columbia, Mo.?
Our data shows that minimum-coverage insurance in Columbia costs $46 per month or $557 per year on average. This is about 11% less than the national average of $52 per month or $625 per year. Similarly, full-coverage insurance costs $163 per month or $1,950 per year on average, which is about 3% less expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Columbia, Mo.
Missouri Farm Bureau offers the cheapest liability insurance with average rates of $23 per month or $270 per year. USAA is the second-cheapest option in Columbia with average rates of $23 per month or $279 per year.
Liability coverage is the minimum coverage required by the state of Missouri. According to Missouri law, all drivers must either meet or exceed the following minimum requirements:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
Cheapest Full-Coverage Car Insurance in Columbia, Mo.
Full-coverage car insurance can be pricey in Columbia. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. USAA is the cheapest full-coverage option with average rates of $112 per month or $1,349 per year.
Columbia Car Insurance Quotes by Driver Profile
Auto insurance coverage costs vary between Columbia drivers. This is because different parts of a person’s background and profile will affect their premiums, like their gender, age and history of traffic infractions or accidents. This section will examine the average car insurance rates for different driving profiles in Columbia, Mo.
Columbia Car Insurance Cost by Age
Car insurance companies charge higher premiums to teenagers because they have a greater probability of getting into car crashes or breaking traffic regulations. Our data shows 16-year-olds pay about $183 per month or $2,191 per year for car insurance in Columbia.
Car insurance costs typically become cheaper for drivers as they enter their 20s and move towards middle age. The table below reflects this trend with the average minimum-coverage car insurance costs for different age groups in Columbia:
Cheapest Car Insurance in Columbia, Mo.: Teen Drivers
Car insurance for teens is expensive, but some providers tend to be more affordable than others. Our data shows Missouri Farm Bureau is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $66 per month or $786 per year. USAA, Travelers and State Farm also offer affordable premiums for Columbia teens.
Columbia Car Insurance Cost by Credit Score
Your credit history can be used to determine your car insurance rate in Missouri. Expect to pay higher premiums if you have a low credit score. You could end up paying less than average with a good credit score, as long as you also have a relatively clean driving record.
Cheapest Car Insurance in Columbia, Mo.: Poor Credit
Our rate data shows Missouri Farm Bureau is the cheapest option for car insurance for bad credit in Columbia. The company offers minimum-coverage policies to drivers with poor credit for rates of $38 per month or $453 per year. This is 18% less than the overall state average for minimum coverage for good credit.
Columbia Car Insurance Cost by Driving Record
People who have been involved in accidents, convicted of DUIs or gotten speeding tickets should anticipate a rise in the costs of their auto insurance. On average, speeding can increase your rates by 26%, an at-fault accident by 55% and a DUI by 59%.
Different companies have different price increases on average. Missouri Farm Bureau is typically the most affordable company if you have any driving violations on your record. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Columbia, Mo.: Speeding Ticket
According to our data, Missouri Farm Bureau offers the cheapest rates to drivers who have a speeding ticket on their records — $24 per month or $285 per year. USAA follows close behind with an average monthly rate of $29, while State Farm, Travelers and Progressive round out the top five options for cheap speeding ticket car insurance in Columbia.
Cheapest Car Insurance in Columbia, Mo.: At-Fault Accident
If you were responsible for an accident while driving in the past, your insurance rates may increase more than if you had just received a ticket for speeding.
Missouri Farm Bureau and USAA are the cheapest options here with average rates of about $25 per month and $34 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.
Cheapest Car Insurance in Columbia, Mo.: DUI
A DUI offense can result in a significant rise in your Columbia car insurance premiums of at least hundreds of dollars per year. Missouri Farm Bureau is very cheap compared to other companies — offering average rates of $30 per month or $359 per year for drivers with a DUI. State Farm, Progressive and USAA are also good options with rates under $45 per month on average.
Cheap Car Insurance in Columbia, Mo.: Conclusion
Auto insurance in Columbia, Mo., is 11% less than the national average. This is great news, but you can still find even cheaper car insurance with specific providers.
Missouri Farm Bureau is the most affordable choice for minimum coverage, offering auto policies at around $23 per month on average. Drivers looking for high-quality, affordable full coverage can find it with USAA, which offers rates as low as $112 per month for drivers in Columbia.
Cheapest Auto Insurance in Columbia, Mo.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Columbia, Mo.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.