Cheap Auto Insurance Quotes in Columbia, MO (2021)

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Welcome to College Town, U.S.A.

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.

Car Insurance in Columbia, MO

The average cost of Missouri car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Columbia, MO to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$57
$61
$75
$121
$143
Direct AutoAllstateState FarmTravelersProgressive
Monthly $

Cheapest Car Insurance in Columbia, MO

Here are the cheapest carriers in Columbia for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Columbia, MO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Columbia. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$142
$171
$149
$135
$135
$118
MissouriKansas CitySpringfieldIndependenceLees SummitColumbia
Monthly $

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Columbia, MO Driving Facts

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Minimum Car Insurance Requirements in MO

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:

  • 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 Missouri are as follows:

  • $25,000 per person/$50,000 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 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.

  • $10,000/accident for Property Damage (PD)

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:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Columbia Car Insurance Rates by Driver Age

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.

Driving History
No Violation$203
Speeding Ticket$299
At-Fault Accident$282
Failure to Stop for Red Light / Stop Sign$223

Columbia Car Insurance Rates by Driving and Accident History

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.

Columbia Car Insurance Rates by Credit Tier

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.

Columbia DMV Information 

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.

Public Transit in Columbia

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. 

Conclusion: How to get the best and cheapest car insurance in Columbia

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.

Find local Columbia agents

Harrison Agency 
2100 Whitegate Drive, Columbia, MO 65202-2335
First State Insurance Agency 
300 Diego Drive, Columbia, MO 65203
Plaza Insurance Center 
1416 E Georgetown Loop, Columbia, MO 65203-5433
Kasmann Insurance Agency 
116 N Garth Ave, Columbia, MO 65203-4104
Moresource 
401 Vandiver Dr, Columbia, MO 65202-1510
Centennial General Agency 
30 Southampton Ste 105, Columbia, MO 65203-5937
Insurance Plus 
1604 B Business Loop 70W, Columbia, MO 65202
Daniel Boone Agency 
1817 W Broadway, Columbia, MO 65203-1107
TIG Advisors 
200 E Southampton Dr, Columbia, MO 65203-3032
Military United Insurance dba Veterans United Ins 
103A Corporate Lake Drive, Columbia, MO 65203

Insurify Insights: How Columbia Drivers Measure Up

chevrolet
Chevrolet Impala
Most Popular Car in
Columbia, MO
suspended licenses
#25
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 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.

Accidents 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 5 in the number of car accidents per driver across all cities in Missouri.

  • Rank within state: #5
  • Percent of drivers in Columbia with an accident: 13.58%
  • Drivers in Columbia, MO with an accident in their driving history paid on average 48% more than drivers with a clean record

Speeding Columbia

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.

  • Rank within state: #2
  • Percent of drivers in Columbia with a speeding ticket: 14.47%
  • Drivers in Columbia, MO with a speeding ticket in their driving history paid on average 41.71% more than drivers with a clean record

DUI/DWIs Columbia

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.

  • Rank within state: #5
  • Percent of drivers in Columbia with a DUI: 3.12%
  • Drivers in Columbia, MO with a DUI in their driving history paid on average 20% more than drivers with a clean record

Most Popular Vehicle 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 Chevrolet Impala.

Rude 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 Missouri, Columbia drivers rank 10 in rude driving infractions.

  • Rank within state: #10
  • Percent of drivers in Columbia with a reckless driving violation: 1.63%
  • Drivers in Columbia, MO with a reckless driving violation in their driving history paid on average 53.71% more than drivers with a clean record.

Safest Drivers Columbia

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.

  • Rank within state: #12
  • Percent of drivers in Columbia with clean record: 74.55%

Failure to Yield the Right of Way Columbia

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.

  • Rank within state: #7
  • Percent of drivers in Columbia with a failure to yield violation: 0.3%
  • Drivers in Columbia, MO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers 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 Missouri, Columbia drivers rank 12 in the number of reckless driving offenses per driver.

  • Rank within state: #12
  • Percent of drivers in Columbia with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Columbia

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.

  • Rank within state: #7
  • Percent of drivers in Columbia with a hybrid/electric vehicle: 0.87%

FAQs - Columbia, MO Car Insurance

Are there any unique driving laws in Springfield, Missouri?

In Missouri, failing to buckle your seatbelt while in a motor vehicle, blocking an intersection, and driving uninsured are all traffic offenses. Using wireless devices is still legal in Missouri. Missouri is one of two remaining states that have yet to outlaw texting and driving. For drivers under 21, texting and driving is illegal, but legal for everyone else. As a matter of safety, even though you may not be punished, it is advised that individuals abstain from distracted driving.

Which car insurance company offers the cheapest rates in Springfield?

The best way to get the cheapest car insurance in Springfield and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Will my credit score affect my car insurance rates in Springfield?

Yes. Like the majority of states, Missouri allows the practice of using credit-based insurance scores to help determine the risk of a policyholder. Missouri car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can increase your insurance rates if you have bad credit. Credit scores are calculated based on information from your credit report and are used by lending institutions to determine how likely it is that you'll repay a loan on time. They also help creditors determine interest rates and loan qualifications. Credit-based insurance scores don't factor in your job, income history, gender, or any other personal information. Car insurance companies may use these variables to help determine the likelihood of an insurance claim in the future.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.