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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All motor vehicles operated or parked on Maryland roadways are required to be insured.
Bodily injury liability coverage
property damage liability coverage
Uninsured and underinsured motorist coverageMaryland. 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:
Personal injury protection (PIP)
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.
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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
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
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.