Cheap Auto Insurance Quotes in Columbia, MD (January 2022)

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Car Insurance in Columbia, MD

Drivers in Columbia and other Maryland cities are required to have car insurance. The average cost of Maryland car insurance  is $317 per month, and while that is significantly more than the national average, Maryland drivers can get cheaper car insurance if they know where to look. Compare free quotes with Insurify and find the cheapest and best car insurance today!

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Cheapest Car Insurance in Columbia, MD

Some car insurance providers are able to offer cheaper insurance than others, because each insurance company weighs information such as your driving record and credit score a little bit differently. The following are the cheapest carriers in Columbia on average, but it’s always important to shop around so you can find your best rates.

Best Car Insurance in Columbia, MD

Finding a quality insurance company is just as important as finding cheap car insurance. We analyzed factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score and rank car insurance providers. Below are the best Maryland auto insurance companies by our ranking system.

Average Car Insurance Cost

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Click here to learn about car insurance quotes and save on your current policy.

Columbia, MD Driving Facts

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Minimum Car Insurance Requirements in MD

All motor vehicles operated or parked on Maryland roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Maryland state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Maryland law.

  • $15,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Maryland is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage is required in Maryland. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Maryland, the legally required level of Uninsured Motorist coverage is:

  • $30,000 per person/$60,000 per accident for Bodily Injury
  • $15,000 per accident for Property Damage

Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:

  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Personal injury protection (PIP) coverage is also required in MarylandPIP can help cover medical costs after an accident for you and your passengers, regardless of fault. $2,500 is the minimum coverage required by Maryland law. 

Columbia Car Insurance Rates by Driver Age

Young drivers, who are inexperienced behind the wheel, will pay the most for auto insurance coverage while older drivers tend to see the lowest monthly costs. The table below shows what you can expect to pay for car insurance in Maryland based on your age. Keep in mind that this is statewide data and rates may vary in Columbia.

Columbia Car Insurance Rates by Driving and Accident History

Your driving record is one of the most important factors in determining your insurance premiums. Drivers with infractions like tickets, accidents, and DUIs on their records see higher premiums while drivers with a clean record can expect lower auto insurance rates. Here’s what you can expect to pay based on your driving record in Columbia.

Columbia Car Insurance Rates by Credit Tier

Under state law in Maryland, auto insurance companies are able to use your credit score when calculating your insurance rates. Driver’s with bad credit will almost always pay more for car insurance than drivers with excellent credit, because drivers with poor credit history account for a higher percentage of paid claims. 

The following is what you can expect to pay in Columbia, Maryland based on your credit tier.

Columbia DMV Information

There is one Motor Vehicle Administration (MVA) office in Columbia, Maryland. Although the MVA is a limited service station, drivers can still obtain and renew driver’s licences and identification cards, take written driving tests, and register and title their vehicles. The Columbia MVA office is located at:

6490 Dobbin Road S, Suite J
Columbia, MD 21045

Public Transportation in Columbia 

The city of Columbia is served by the Regional Transportation Agency of Central Maryland (RTA), which provides transportation service around Howard county. The buses operate from 6:00 a.m. to 10:00 p.m. on weekdays and from 8:00 a.m. to 6:00 p.m. on weekends. Commuter buses also run from Columbia to nearby Baltimore and Washington, D.C. 

How to Get the Cheapest Car Insurance in Columbia

The easiest way to find the best and cheapest car insurance in Columbia, Maryland is to compare quotes using Insurify. Instead of calling multiple insurance agencies and spending hours on hold with an insurance agent, you can see multiple quotes side-by-side. At  Insurify, we’ll take care of all your insurance needs no matter what kind of coverage you’re looking for. 

You’ll just need to answer a few questions about your vehicle and driving history to get started. From there, we’ll show you multiple quotes so you can find the best auto insurance policy for you. You can also use Insurify to shop for other insurance products like homeowners insurance and life insurance. It’s completely free to use and takes less than five minutes!

Find local Columbia agents

V W Brown Insurance Service
10380 Old Columbia Road, Columbia, MD 21046
T.L. Brown Insurance Group LLC
5457 Twin Knolls Rd., Ste 300-N4, Columbia, MD 21045
National Insurance Agency, Inc.
7120 Minstrel Way, Ste 205, Columbia, MD 21045-5292
Construction Underwriters, LLC
5501 Twin Knolls Rd Ste 104, Columbia, MD 21045-3260
Vision Financial Group
9881 Broken Land Parkway, Columbia, MD 21046
Belman-Klein Associates, Ltd.
7226 Lee Deforest Drive, Columbia, MD 21046
CBIZ
9755 Patuxent Woods Dr Ste 200, Columbia, MD 21046-1529
McFarlin Insurance Agency, LLP
8325 Guilford Rd Ste A, Columbia, MD 21046
The Jacobs Company
7075 Samuel Morse Dr Suite 120, Columbia, MD 21046
Patuxent Insurance Group
10705 Charter Dr #340, Columbia, MD 21044

Insurify Insights: How Columbia Drivers Measure Up

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Honda Accord
Most Popular Car in
Columbia, MD
suspended licenses
#42
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Columbia drivers measure up to their fellow Maryland motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Columbia

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Columbia drivers rank 47 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #47
  • Percent of drivers in Columbia with an accident: 11.22%
  • Drivers in Columbia, MD with an accident in their driving history paid on average 49.15% more than drivers with a clean record

Speeding in Columbia

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Columbia drivers rank 14 in the number of speeding infractions per driver.

  • Rank within state: #14
  • Percent of drivers in Columbia with a speeding ticket: 11.85%
  • Drivers in Columbia, MD with a speeding ticket in their driving history paid on average 13.56% more than drivers with a clean record

DUI/DWIs in Columbia

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Columbia drivers rank 42 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #42
  • Percent of drivers in Columbia with a DUI: 0.95%
  • Drivers in Columbia, MD with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Columbia

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Columbia is the Honda Accord.

Rude in Columbia

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Maryland, Columbia drivers rank 14 in rude driving infractions.

  • Rank within state: #14
  • Percent of drivers in Columbia with a reckless driving violation: 1.26%
  • Drivers in Columbia, MD with a reckless driving violation in their driving history paid on average --% more than drivers with a clean record.

Safest Drivers in Columbia

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Columbia drivers rank 8 in clean driving records across all cities in Maryland.

  • Rank within state: #8
  • Percent of drivers in Columbia with clean record: 78.52%

Failure to Yield the Right of Way in Columbia

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Columbia drivers rank 14 in failure to yield violations per driver across all cities in Maryland.

  • Rank within state: #14
  • Percent of drivers in Columbia with a failure to yield violation: 0.16%
  • Drivers in Columbia, MD with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Columbia

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Maryland, Columbia drivers rank 15 in the number of reckless driving offenses per driver.

  • Rank within state: #15
  • Percent of drivers in Columbia with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Columbia

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Columbia drivers rank 17 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #17
  • Percent of drivers in Columbia with a hybrid/electric vehicle: 1.94%

FAQs - Columbia, MD Car Insurance

How do I find cheap car insurance in Columbia, MD?

The best way to find cheap car insurance in Columbia, Maryland is to compare quotes with Insurify. We’ll provide you with quotes from national providers like Allstate, GEICO and State Farm as well as quotes from local agencies so you can rest easy knowing you’ve found the cheapest car insurance policy available.

How much does car insurance cost in Columbia, MD?

The average cost of Columbia auto insurance is $164 per month, but no two drivers are the same and rates will vary depending on your driving record, your age, your credit score, and more. To find the cheapest car insurance for you, it’s always a good idea to shop around and compare quotes. The best insurance company might be one you’ve never even heard of!

What drives up car insurance rates in Columbia, MD?

Car insurance costs in Columbia, Maryland are significantly higher than the national average and factors in your driving record such as a DUI or speeding ticket can drive up your premiums further. Your costs will also vary based on the type of car insurance policy you buy. For example, comprehensive coverage will be more expensive to policyholders than a liability only policy.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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