Columbia Car Insurance Review (With Quotes, 2023)

On average, Columbia Insurance Group rates are $60 per month and $720 per year for policyholders, making it a highly affordable option for auto insurance. Individual auto insurance rates will vary from driver to driver depending on factors related to driving history, credit history, age, vehicle type, discount eligibility, chosen insurance policy, insurance provider, and more.

Columbia Car Insurance Quotes by Driver History

Like most insurance providers, Columbia calculates rates by taking a close look at an individual’s driving record alongside other factors related to coverage and vehicle type. Though rates from Columbia tend to be fairly low, drivers with DUIs, at-fault accidents, or speeding tickets typically pay higher rates than those with clean driving records.

Columbia Car Insurance Quotes by State

State and city location influence auto insurance rates because of area-specific factors, like state minimum requirements, crime rates, infrastructure, population, weather, and climate. Columbia offers coverage in Alabama, Arkansas, Georgia, Illinois, Iowa, Kansas, Kentucky, Mississippi, Missouri, Nebraska, New Mexico, Oklahoma, South Dakota, Tennessee, and Texas.

Columbia Car Insurance Pros and Cons

Columbia auto insurance works best for consumers looking for affordable rates for standard coverage options. Policyholders benefit from affordable prices and numerous opportunities to earn discounts. The only other personal coverage available is umbrella insurance, but the insurance provider does offer coverage for commercial auto, cyber suite, property, and more.

Columbia Car Insurance Discounts

Numerous discounts available through Columbia Insurance Group help policyholders earn low rates for coverage meeting their insurance needs. The group offers multi-car, good student, paid-in-full, claim-free, defensive driving, student away at school, homeownership, antilock brakes, anti-theft device, driver training, and renewal credit discounts for eligible policyholders.

Read More About Discounts: Common Car Insurance Discounts

Columbia Car Insurance Coverage Options

Columbia offers standard auto coverage, as well as personal umbrella coverage and commercial insurance options for auto, cyber suite, employment practices, liability, property, safeguard business owners, umbrella, and workers’ compensation. Personal auto coverage applies to personal cars, recreational trailers, motor homes, classic cars, and camper bodies.

Personal auto coverage options include bodily injury and property damage liability insurance, comprehensive coverage, collision coverage, uninsured motorist and underinsured motorist coverage, and full-coverage car insurance. Additional coverage includes 24/7 roadside assistance, rental car, gap, and original equipment manufacturer (OEM) parts replacement.

Columbia Car Insurance Reputation

According to online company reviews, Columbia policyholders tend to express general satisfaction with the company’s affordable rates and ample opportunity for driver-based and policy-based discounts. For customers looking for a typical type of insurance for personal auto coverage or commercial coverage, Columbia has fairly standard options available.

Insurance payments can be made online through Columbia’s website, but additional claims assistance and other access to coverage information are not available. In order to make a claim, policyholders must call 1 (800) 877-3579 and dial extension 1860. Though online access is limited and mobile access is nonexistent, customer service tends to be prompt.

Columbia Customer Service

Local branches each have their own contact information available on the Columbia website (www.colinsgrp.com), and general inquiries about information on coverage, claims, and billing can be submitted through the website’s “Contact Us” page.

Columbia Claims Filing Process

To file a claim and speak to a claims service group representative, customers must call 1 (800) 877-3579 and dial extension 1860 or send an email to their local branch. The representative will walk the customer through the overall process and move forward with any necessary investigations, adjustments, and repairs before ultimately settling the claim.

Columbia – Is it right for you?

Whether auto coverage from Columbia is right for you depends on your individualized insurance needs. Shopping around for auto coverage helps you find the best rates and determine your desired insurance products. With the Insurify car insurance comparison tool, you can compare quotes from the convenience of your couch with just a few clicks.