Situated in the center of the state, COMO is home to numerous cultural and academic institutions.
As the main mode of transportation for nearly 121,000 Columbia residents, car travel is a big part of life. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Columbia. Compare and save on the best and cheapest car insurance quotes in Missouri.
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All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, 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 Missouri law.
The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. 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 are required in Missouri. 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 Missouri, the legally required level of Uninsured Motorist coverage is:
Columbia’s teenagers need a little more time behind the wheel, but until they get that, they’ll pay an average of $486 per month. Just a few years’ experience drops the price down by over $225, a $2,700 per year savings. And as drivers add decades of skill, the monthly rates trend down. Those in their 80s pay less than one-third of their teenage grandchildren and great-grandchildren. Maybe needy teens and young adults should mention car insurance cash when grandparents ask what they want for Christmas, birthdays, or graduation.
|Failure to Stop for Red Light / Stop Sign||$223|
Missourians know that safe driving is smart driving, and now they have data to prove it. Columbia drivers with clean histories pay $96 less per month than those with speeding tickets, an amount that translates to over $1,100 per year. Indeed, the “good driver” and “accident-free” discounts contribute to the savings. But if there’s a ding on a driver’s history, it’s not all sad news. After three years, violations and accidents stop affecting the monthly car insurance cost.
Many in the Show-Me State wonder how credit has anything to do with their ability to drive. But Missouri law allows insurance companies to use credit as a factor when setting rates. If that’s the case, why would those with poor credit pay $29 less than those with better credit? People with better credit can finance costlier cars and often have higher coverage levels to protect their assets. Added coverage comes with higher monthly premiums.
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There is one major DMV outpost in and around the city of Columbia. The main License Bureau office is located on Vandiver Drive in the Department of Revenue office. Here, residents can change their address, obtain a driver’s license, and complete vehicle registrations. The DMV is open from 7:30 AM to 5 PM with special morning and evening hours on weekdays. You may be able to skip the lines and access what you need via its online portal.
The Columbia Transit Authority offers residents and visitors convenient and affordable services in and around the city. The STA operates 36 bus routes around 248 square miles. Ridesharing services like Uber and Lyft, plus traditional taxis operate across the city.
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 Missouri 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 5 in the number of car accidents per driver across all cities in Missouri.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Missouri, Columbia drivers rank 2 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 5 in the number of DUI’s per driver across all cities in Missouri.
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 Chevrolet Impala.
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 Missouri, Columbia drivers rank 10 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 12 in clean driving records across all cities in Missouri.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Columbia drivers rank 7 in failure to yield violations per driver across all cities in Missouri.
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 Missouri, Columbia drivers rank 12 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 7 in hybrid and electric vehicle ownership across all cities in Missouri.
Missourians are busy people—there’s no need to waste time finding the perfect auto insurance policy.
Protect yourself from uninsured motorists and use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.
With an estimated 14 percent of Missouri vehicles driving uninsured, risking a car accident without sufficient coverage could be incredibly damaging, financially and otherwise. Be sure to stay up to date with liability insurance requirements, and research your coverage options and different insurance agencies.
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.