Best Cheap Auto Insurance in Columbia, Missouri (2024)

USAA, State Farm, and Travelers offer the best car insurance in Columbia, Missouri.

Catherine Collins
Catherine Collins

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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Danny Smith
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Danny 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.

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Updated February 14, 2024 at 7:34 AM PST

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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 $246 for full-coverage car insurance and $144 for liability-only car insurance. Your car insurance costs will vary depending on your situation, deductible, coverage levels, and how many vehicles are on your policy. Always compare quotes before buying a policy.

Quick Facts
  • Drivers in Columbia pay more than the national average monthly insurance rate of $139.

  • Missouri insurers can use your credit score when setting your auto insurance rate.

  • Drivers in Columbia must be able to present proof of insurance when asked.

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Best 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.

Best insurer for full coverage: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$50/mo

USAA is a well-known and respected insurance company that’s been in business for more than 100 years. It has an A.M. 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
  • A.M. 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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for rideshare coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$59/mo

Also very well-known and respected, State Farm has an A++ financial strength rating from A.M. Best and 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
  • A.M. 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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for bundling: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$78/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.
$127/mo

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
  • A.M. 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

Superior customer service.

Susan - November 25, 2023
Verified

They are the best.

David - November 15, 2023
Verified

I have no tickets and no accidents, yet my premiums keep going up every year.

Deborah - October 26, 2023
Verified
Read our Travelers review

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.[1]

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. 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.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA27
State Farm32
Allstate43
GEICO47
Safeco50
American Family53
Clearcover61
Progressive65
Shelter71
State Auto74
Nationwide75
Auto-Owners77
Travelers78
Liberty Mutual79
Dairyland80
Midvale Home & Auto83
GAINSCO85
Direct Auto86
The General95
AssuranceAmerica96
Bristol West118
Foremost131
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

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.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
USAA50
State Farm59
Allstate80
GEICO87
American Family100
Clearcover111
Safeco114
Progressive122
Travelers127
Nationwide128
Shelter132
Auto-Owners145
Direct Auto151
Midvale Home & Auto151
Liberty Mutual176
AssuranceAmerica186
Dairyland187
State Auto187
GAINSCO196
Foremost213
The General228
Bristol West324
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.

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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:[2]

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Property damage liability
  • $25,000 per accident

Drivers should also consider getting the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage will pay to repair or replace your vehicle if you cause an accident or collide with another object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 getting 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, MO

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Cheapest car insurance for drivers with a speeding ticket

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 rates for drivers with speeding tickets.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA6435
State Farm7541
Allstate10355
GEICO11261
American Family13169
Clearcover15082
Safeco15869
Progressive16387
Nationwide16698
Travelers166102
Shelter185100
Auto-Owners192102
Direct Auto205117
Midvale Home & Auto206113
Liberty Mutual244109
GAINSCO247107
Dairyland248106
AssuranceAmerica260134
State Auto268106
The General303126
Bristol West423154
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

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 for drivers with accidents on their records.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA6837
State Farm7943
Allstate10858
GEICO11864
American Family13672
Safeco16974
Progressive17392
Travelers174107
Nationwide175102
Clearcover182100
Shelter195105
Auto-Owners198105
Direct Auto215122
Midvale Home & Auto220121
Liberty Mutual256115
Dairyland258110
GAINSCO261113
AssuranceAmerica267138
State Auto282112
The General319133
Bristol West436159
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

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 over age 21 and 0.02 for drivers under age 21.

Here are the cheapest companies in Columbia, Missouri, for drivers with DUIs.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA8144
State Farm9552
Allstate12969
GEICO14076
American Family16185
Clearcover17998
Safeco18481
Shelter196105
Progressive197105
Travelers205126
Nationwide206121
Direct Auto220125
Auto-Owners234124
Midvale Home & Auto243134
Liberty Mutual284127
AssuranceAmerica300155
Dairyland301129
State Auto301119
GAINSCO316137
Foremost343211
The General368153
Bristol West522190
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

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 below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA2714
State Farm2815
Allstate4223
GEICO4524
American Family4926
Progressive5127
Shelter5529
Nationwide5834
Travelers6641
Auto-Owners7238
Safeco7231
Direct Auto7744
Clearcover8546
Liberty Mutual9643
AssuranceAmerica9851
Dairyland10746
GAINSCO11952
The General14259
Bristol West17965
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

Buying car insurance for teenagers is typically more expensive than purchasing insurance for adults. Teenage drivers lack driving experience, so insurance companies consider them riskier.

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: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA8445
State Farm10356
GEICO14075
Allstate14377
American Family17392
Clearcover203111
Safeco20891
Nationwide222130
Progressive223119
Shelter231124
Travelers233143
Auto-Owners248132
Direct Auto279159
Midvale Home & Auto292160
Liberty Mutual307138
Dairyland309132
State Auto341135
AssuranceAmerica356184
GAINSCO361157
The General371155
Foremost389239
Bristol West549200
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.

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:[3]

  • 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.

  • 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.

Find Cheap Car Insurance in Columbia

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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 score 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.[4]

Making payments on time and reducing your debt load are two ways to improve your credit score 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?

In the United States, car insurance costs $139 per month, on average, while the average cost of car insurance in Columbia is $195 per month. While Columbia car insurance is more expensive than the national average, it’s cheaper than the average rate in Missouri of $228 per month.

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.

CityAverage Monthly QuoteCompared to Columbia 
Florissant$38858%
Independence$2616%
Jefferson City$249-1%
Kansas City$34139%
Lee’s Summit$27010%
Saint Charles$28215%
St. Louis$39862%
Springfield$243-1%
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.
Cheapest Auto Insurance in Missouri (2024)

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 $195 per month on average. Drivers in the state pay $246 per month for full-coverage insurance and $144 per month for liability coverage. Your unique premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

  • What are the best car insurance companies in Columbia, Missouri?

    With an Insurify Quality (IQ) Score of 4.4 out of 5 and an A.M. 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.[5]

  • 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Auto Insurance Basics." Accessed July 27, 2023
  2. Missouri Department of Revenue. "Insurance Information." Accessed July 27, 2023
  3. Insurance Information Institute. "How to save money on car insurance." Accessed July 27, 2023
  4. Experian. "What Is a Good Credit Score?." Accessed July 27, 2023
  5. Missouri Department of Revenue. "Missouri Driver Responsibilities and Penalties." Accessed July 27, 2023
Catherine Collins
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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

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