Cheapest Auto Insurance in Columbia, Missouri (2024)
USAA offers the cheapest car insurance in Columbia, with minimum-coverage policies as low as $27 per month.
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Written byCatherine Collins
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13+ years creating insurance and personal finance content
Co-founded MillennialHomeowner.com
Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated October 30, 2024
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Table of contents
Columbia, Missouri, is a vibrant college town with a relatively low cost of living. If you live there or are considering moving there, you have many options for finding low-cost car insurance. Some of the cheapest insurers are USAA, State Farm, and Allstate, though others may better suit your needs.
The average monthly cost of auto insurance in Columbia is $90 for liability-only coverage and $211 for full coverage. The costs are generally a little cheaper than the state averages of $100 and $226, respectively.
Your car insurance costs will vary depending on your situation, deductible, coverage levels, and the number of vehicles on your policy. Always compare quotes before buying a policy.
Quick Facts
Columbia drivers will find the cheapest liability-only and full-coverage auto insurance rates from USAA.
Columbia had 15 traffic fatalities in 2023, according to the Missouri Coalition for Roadway Safety data.[1]
Missouri is prone to natural disasters, such as ice storms, tornadoes, and flooding, which can lead to car insurance claims.
3 of the cheapest car insurance companies in Columbia
The best car insurance company for you will depend on your insurance needs and driving history, among various other factors.
USAA is a great choice for military members, veterans, and their families. State Farm is well-suited for many drivers, especially drivers looking for specialty coverage like rideshare insurance. Travelers is great for drivers looking to bundle their auto policies with other policies, like pet and home insurance.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $56 | $29 | Full coverage |
| State Farm | 9.3 | $66 | $34 | Rideshare coverage |
| Travelers | 9.4 | $165 | $86 | Bundling |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $27/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $51/mo |
4.9
Best choiceBased on 1573 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (897)
Kent
October 29, 2024
Verified Review
Excellent
The insurance is a bit high.
Dorothy
October 29, 2024
Verified Review
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin
October 29, 2024
Verified Review
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is a well-known and respected insurance company that’s been in business for more than 100 years. It has an AM Best financial strength rating of A++ (Superior) and is available in all 50 states. USAA has competitive prices for both liability-only and full-coverage car insurance in Missouri.
Pros
AM Best financial strength rating of A++ (Superior) and very high customer satisfaction scores
Some of the lowest car insurance prices in Missouri
Cons
Only available to military members and their families
Limited phone support
Best insurer for rideshare coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $32/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $61/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Also very well-known and respected, State Farm offers low car insurance rates in Missouri. State Farm has an innovative app that allows you to turn on rideshare coverage when you’re working as a driver or making deliveries. This is helpful for college towns like Columbia, where many students might want to pick up a side gig.
Pros
AM Best financial strength rating of A++ (Superior)
App makes getting rideshare coverage easy
Cons
Low ratings from the Better Business Bureau (BBB) and Trustpilot
Not as many discounts as competitors
Best insurer for bundling: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
4.7
Best choiceBased on 745 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (381)
Vicki
October 27, 2024
Verified Review
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy
October 23, 2024
Verified Review
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie
October 21, 2024
Verified Review
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers Insurance has been in business for more than 165 years, with offices in the United States, Canada, and the U.K. Travelers is unique because it has many insurance offerings, including pet insurance, making it an ideal company for people who want to bundle insurance.
Pros
AM Best financial strength rating of A++ (Superior)
Many different insurance offerings for bundling
Cons
More expensive than other competitors on this list
Low ratings from Trustpilot
How to get the cheapest car insurance in Columbia
If you want to get the cheapest car insurance in Columbia, Missouri, here are a few tips:[2]
Compare prices. Numerous car insurance companies serve Columbia. When shopping for insurance, get quotes from three to five car insurance companies to ensure you get the best rate for your circumstances.
Select a safe vehicle. Operating a vehicle with high safety scores and important safety features could help reduce your car insurance costs.
Bundle your insurance policies. If you already have home or renters insurance, ask your insurance company for quotes to add on car insurance. Many insurance companies will discount your car insurance when you purchase more than one type of insurance from them.
Raise your deductible. If you want a lower car insurance rate, a straightforward way to get it is by raising your deductible — the amount you’re responsible for paying after an incident or accident before your insurance kicks in. Of course, make sure you have the amount of your deductible in savings, just in case.
Cheapest liability-only car insurance in Columbia
Liability-only car insurance only covers a third party’s property and injuries in the case of an accident. It won’t cover your own property damage or medical needs.[3]
Drivers who want to save on monthly car insurance costs would be a good fit for liability-only insurance, as long as they understand the risks of being underinsured in case of an accident. A liability-only policy can make sense if you drive an older, less-expensive vehicle that's paid for.
Generally, however, insurance professionals recommend carrying more than your state’s minimum required amount of liability insurance to protect yourself financially if you cause an accident. Liability-only policies in Columbia, Missouri, cost an average of $90 per month.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $27 |
| State Farm | $32 |
| Allstate | $42 |
| GEICO | $47 |
| American Family | $53 |
| Clearcover | $63 |
| Progressive | $65 |
| Safeco | $67 |
| Shelter | $70 |
| Nationwide | $75 |
| Auto-Owners | $78 |
| State Auto | $79 |
| Travelers | $79 |
| Midvale Home & Auto | $83 |
| Direct Auto | $84 |
| Liberty Mutual | $87 |
| National General | $90 |
| AssuranceAmerica | $102 |
| Dairyland | $102 |
| GAINSCO | $102 |
| The General | $105 |
| Bristol West | $123 |
| Foremost | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Columbia
Though more expensive than liability-only policies, full-coverage car insurance includes liability coverage and also pays for your own medical needs and property damages through collision and comprehensive coverage. It’s a good fit if you can’t or don’t want to pay for your own expenses out of pocket in case of an accident, which you’d have to do if you only had liability car insurance. And if you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage.
Full-coverage policies in Columbia, Missouri, cost an average of $211 per month.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $51 |
| State Farm | $61 |
| Allstate | $81 |
| GEICO | $89 |
| American Family | $102 |
| Safeco | $115 |
| Progressive | $124 |
| Clearcover | $130 |
| Shelter | $135 |
| Nationwide | $144 |
| Auto-Owners | $148 |
| Travelers | $149 |
| Midvale Home & Auto | $150 |
| State Auto | $178 |
| Direct Auto | $189 |
| National General | $190 |
| Liberty Mutual | $200 |
| AssuranceAmerica | $204 |
| GAINSCO | $247 |
| The General | $259 |
| Foremost | $300 |
| Dairyland | $321 |
| Bristol West | $346 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Columbia, Missouri
Recent Columbia, Missouri car insurance prices for Hyundai, Nissan, Chevrolet , and more.
*Quotes generated for Insurify users in and around Columbia, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Columbia, Missouri within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
Missouri law states that all vehicles, whether parked or driven, must have insurance. Drivers also must be able to present their insurance information when a police officer requests it. Like many states, Missouri has specific minimum requirements for car insurance. Drivers will likely need more than the minimum to be fully covered in case of an accident, however.
Here are the minimum coverage requirements in Missouri:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
Drivers should also consider getting the following optional coverages:
Collision coverage
Collision coverage will pay to repair or replace your vehicle if you cause an accident or collide with another object.
Comprehensive coverage
Comprehensive coverage pays to repair or replace your car if it’s damaged because of something other than an accident, such as theft, weather, flood, or vandalism.
Uninsured/underinsured motorist coverage
This coverage protects you if you’re hit by an uninsured or underinsured motorist who doesn’t have enough or any coverage to pay for damages.
Cheapest car insurance for drivers with an incident
If you have a clean driving record, it’s likely you’ll qualify for some of the best car insurance rates. However, if you have a driving incident on your driving record, you’ll typically have to pay more because insurance companies consider you a riskier driver.
Some examples of driving incidents include speeding tickets, driving under the influence, or being in at-fault accidents.
In Missouri, drivers with a DUI pay substantially more on average than those with a clean driving record. They also pay more per month on average than those with speeding tickets and at-fault accidents on their records.
Shop for Car Insurance in Columbia
Rates start at $27/mo. for minimum coverage
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Cheapest car insurance for drivers with a speeding ticket: USAA
In Missouri, getting a speeding ticket while driving typically means an increase in auto premiums. Insurance companies consider you a riskier driver and, thus, more of a liability. So, it costs more for them to insure you. Here are the companies with the lowest average monthly liability rates for drivers with speeding tickets.
The average cost of car insurance for Columbia drivers with a speeding ticket is $126 per month for minimum coverage and $295 for full coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| USAA | $27 | $35 |
| State Farm | $32 | $41 |
| Allstate | $42 | $54 |
| GEICO | $47 | $61 |
| American Family | $53 | $68 |
| Clearcover | $63 | $83 |
| Progressive | $65 | $84 |
| Safeco | $67 | $88 |
| Shelter | $70 | $94 |
| Nationwide | $75 | $98 |
| Auto-Owners | $78 | $101 |
| State Auto | $79 | $111 |
| Travelers | $79 | $103 |
| Direct Auto | $84 | $108 |
| Liberty Mutual | $87 | $122 |
| National General | $90 | $117 |
| AssuranceAmerica | $102 | $133 |
| Dairyland | $102 | $132 |
| GAINSCO | $102 | $143 |
| The General | $105 | $137 |
| Bristol West | $123 | $159 |
| Foremost | $141 | $197 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
If you have an at-fault accident while driving in Missouri, your car insurance premiums will likely go up. Here are the cheapest car insurance companies offering minimum coverage for drivers with accidents on their records.
The average cost of car insurance for Columbia drivers with an at-fault accident on record is $132 per month for minimum coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $27 | $37 |
| State Farm | $32 | $43 |
| Allstate | $42 | $57 |
| GEICO | $47 | $64 |
| American Family | $53 | $72 |
| Clearcover | $63 | $92 |
| Progressive | $65 | $90 |
| Safeco | $67 | $89 |
| Shelter | $70 | $99 |
| Nationwide | $75 | $103 |
| Auto-Owners | $78 | $107 |
| State Auto | $79 | $118 |
| Travelers | $79 | $108 |
| Direct Auto | $84 | $117 |
| Liberty Mutual | $87 | $127 |
| National General | $90 | $123 |
| AssuranceAmerica | $102 | $138 |
| Dairyland | $102 | $138 |
| GAINSCO | $102 | $133 |
| The General | $105 | $145 |
| Bristol West | $123 | $167 |
| Foremost | $141 | $206 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
A DUI is a serious offense. Drivers can get a DUI for driving a motor vehicle under the influence of alcohol, recreational drugs, or prescription drugs.
Each state has different legal blood alcohol level (BAC) limits. Missouri uses the term “DWI,” meaning driving while intoxicated/impaired. In Missouri, the BAC limit is 0.08 for drivers older than 21 and 0.02 for drivers younger than 21.
Here are the cheapest liability-only quotes for Columbia, Missouri drivers with DUIs. The average cost of car insurance for Columbia drivers with a DUI on record is $150 per month for liability only and $352 for full coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $27 | $45 |
| State Farm | $32 | $53 |
| Allstate | $42 | $70 |
| GEICO | $47 | $78 |
| American Family | $53 | $88 |
| Clearcover | $63 | $105 |
| Progressive | $65 | $108 |
| Safeco | $67 | $111 |
| Shelter | $70 | $116 |
| Nationwide | $75 | $124 |
| Auto-Owners | $78 | $129 |
| State Auto | $79 | $131 |
| Travelers | $79 | $131 |
| Direct Auto | $84 | $139 |
| Liberty Mutual | $87 | $144 |
| National General | $90 | $149 |
| AssuranceAmerica | $102 | $169 |
| Dairyland | $102 | $169 |
| GAINSCO | $102 | $169 |
| The General | $105 | $174 |
| Bristol West | $123 | $204 |
| Foremost | $141 | $234 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Older adults typically have lower car insurance rates because they’re considered experienced drivers. However, rates can go up after drivers reach age 70. Drivers 70 and older have a higher likelihood of death in a crash than drivers age 35 to 54, according to the Centers for Disease Control and Prevention. Here are the companies with the best auto insurance quotes in Columbia for senior drivers.
The average cost of car insurance for Columbia seniors is $155 per month for liability only and $155 for full coverage.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $38 | $20 |
| State Farm | $45 | $23 |
| Allstate | $61 | $32 |
| GEICO | $67 | $35 |
| American Family | $75 | $39 |
| Progressive | $83 | $44 |
| Shelter | $90 | $47 |
| Safeco | $91 | $53 |
| Nationwide | $101 | $53 |
| Clearcover | $102 | $49 |
| Auto-Owners | $110 | $58 |
| Travelers | $110 | $58 |
| State Auto | $127 | $56 |
| National General | $137 | $65 |
| Direct Auto | $139 | $62 |
| AssuranceAmerica | $145 | $73 |
| Liberty Mutual | $158 | $69 |
| GAINSCO | $196 | $81 |
| The General | $199 | $81 |
| Foremost | $224 | $105 |
| Dairyland | $241 | $77 |
| Bristol West | $261 | $93 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Buying car insurance for teenagers is typically more expensive than purchasing insurance for adults. Teenage drivers lack driving experience and have a higher incidence of accidents, so insurance companies consider them riskier. The average cost of car insurance for teen drivers in Columbia is $389 per month for full coverage and $166 for liability only.
You can usually reduce the cost of a teenager’s driver’s insurance by keeping them on the family insurance policy, purchasing them a safe car, teaching them good driving habits, and utilizing discounts, like a good student discount.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| USAA | $88 | $46 |
| State Farm | $107 | $56 |
| GEICO | $145 | $77 |
| Allstate | $147 | $76 |
| American Family | $182 | $95 |
| Progressive | $227 | $119 |
| Safeco | $235 | $137 |
| Shelter | $235 | $122 |
| Clearcover | $256 | $124 |
| Nationwide | $256 | $133 |
| Auto-Owners | $258 | $136 |
| Travelers | $276 | $146 |
| State Auto | $325 | $144 |
| Direct Auto | $353 | $157 |
| Liberty Mutual | $364 | $158 |
| National General | $384 | $182 |
| AssuranceAmerica | $386 | $193 |
| The General | $426 | $173 |
| GAINSCO | $443 | $183 |
| Dairyland | $543 | $172 |
| Foremost | $548 | $258 |
| Bristol West | $602 | $214 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Columbia
Minimum-coverage policies start at $46/mo. for Columbia teens
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Columbia car insurance quotes by credit tier
Missouri is one of the many states where insurance companies can incorporate your credit history when calculating insurance rates. Insurify data shows drivers with excellent credit pay around $2,000 less per year than drivers with poor credit.
If you want to increase your credit score, you have a few ways to do so. Your payment history — whether or not you pay your bills on time — makes up the largest portion of your credit score (35%). The next largest portion of your score is amounts owed (30%). That reflects the amount of debt you have in relation to the amount of credit you have.[5]
Making payments on time and reducing your debt load are two ways to improve your credit if you want to qualify for cheaper car insurance rates.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Columbia?
The national average cost of car insurance is $211 per month for full coverage and $104 for liability-only policies. Columbia's average car insurance rates are lower, at $211 and $90, respectively. The city’s averages are also lower than the Missouri state averages.
Car insurance rates vary by location, crime, and personal facts about drivers, such as age and driving history. If you move to another city in Missouri, your insurance rates may increase or decrease.
More cities in Missouri
Several other cities in Missouri have comparable car insurance rates to Columbia. Here is a list of other cities and how their average monthly car insurance rates compare to those in Columbia, Missouri.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Cape Girardeau | $199 | $102 |
| Independence | $235 | $117 |
| Jefferson City | $200 | $79 |
| Joplin | $187 | $83 |
| Kansas City | $279 | $130 |
| Springfield | $207 | $102 |
| St. Louis | $335 | $167 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest Auto Insurance in Missouri (2024)
Columbia car insurance FAQs
Finding the best car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Columbia.
How much is car insurance in Columbia, Missouri?
Car insurance in Columbia costs $150 per month, on average. Drivers in the state pay $211 per month for full-coverage insurance and $90 per month for liability coverage.
The exact cost of your premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
What are the cheapest car insurance companies in Columbia, Missouri?
Columbia drivers will find the cheapest car insurance rates with USAA. The insurer's liability policies start at $27 per month.
State Farm and Allstate are the second- and third-cheapest auto insurers for Columbia drivers, with minimum-coverage rates as low as $32 and $42, respectively.
What are the best car insurance companies in Columbia, Missouri?
With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Columbia.
Of the insurers Insurify has rate data for, other top Columbia choices include USAA and Allstate.
What are the penalties for driving without insurance in Missouri?
Driving without insurance in Missouri is illegal. If you’re caught driving without at least the minimum amount of required coverage, you could receive four points on your driving record, lose your license for up to a year, and pay up to $400 in reinstatement fees.[6]
Should you purchase medical payments coverage in Missouri?
It depends. Medical payments cover your medical costs up to your policy limits. It typically covers you and any passengers in your car, regardless of who was at fault in an accident. While it may increase your premium costs, it can be worth it if you want to fully protect yourself and your passengers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Missouri
Sources
- Missouri Coalition for Roadway Safety. "Missouri Traffic Fatalities."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto Insurance Basics."
- Missouri Department of Revenue. "Insurance Information."
- Experian. "What Is a Good Credit Score?."
- Missouri Department of Revenue. "Missouri Driver Responsibilities and Penalties."
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Catherine Collins
Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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