Cheapest Auto Insurance in Columbia, South Carolina (2025)

USAA offers the cheapest car insurance in Columbia, with minimum-coverage policies as low as $73 per month.

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Cheapest recent rates near Columbia, South Carolina

Drivers using Insurify have found quotes as cheap as $74/mo for liability only and $112/mo for full coverage in Columbia and other South Carolina cities.

*Quotes generated for Insurify users in and around Columbia, South Carolina within the last 10 days. Last updated on September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Columbia, South Carolina within the last 10 days. Last updated on September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Columbia is the second-largest city in South Carolina, with a population of 139,698. Drivers in the states capital city pay $281 per month for full-coverage car insurance and $192 for liability-only policies, compared to the state averages of $238 for full coverage and $168 for liability only.

The citys population and location in Richland County, the county with the third-highest crash rate in the state, are likely factors in its higher-than-average auto insurance costs.

Still, Columbia drivers can find affordable car insurance by comparing quotes from multiple insurers, driving safely, and choosing safe vehicles. Here’s what you need to know about finding cheap car insurance in Columbia.

Quick Facts
  • USAA, Auto-Owners, and State Farm are the cheapest car insurance companies in Columbia.

  • Nearly 11% of drivers in South Carolina are on the road without insurance, according to data from the Insurance Research Council.

  • Richland County had the third-highest number of collisions in the state in 2021, and the fourth-highest number of fatalities, according to data from the South Carolina Department of Public Safety.

3 of the cheapest car insurance companies in Columbia

When looking for cheap car insurance in Columbia, it’s important to remember that the right auto insurance company for you varies based on your unique needs as a driver and your financial situation. If you’re looking for affordable coverage, consider the following companies.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
USAA9.1$103$67Drivers with an accident
State Farm9.3$114$74Teen drivers
Hugo6.3$54$48Infrequent drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest insurer for drivers with an accident: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
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.
$73/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.
$114/mo
4.9
Best choiceBased on 2,157 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,215)
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
Randall
Verified Review
USAA not recommended
Reviewed in Texas on August 2025
I had my debit card hacked, and the bank had to create a new account, which caused all of the autopayments to be rejected until I got a new card and account number. Since it was a hack used to purchase bitcoin, the bank fraud investigators took longer than normal to get everything switched over. Just about every company was great about the failed charge once they heard about the reason. Not USAA. They sent major emails the second the charge was rejected and kept piling on. I called them, and they were unapologetic and rude. I asked them if they kept track of how long a person has been a customer. They told me I had been a customer for 37 years. They could not have cared less and then started trying to intimidate me by asking if I was still active duty and needed to update their records with this info, which they had for 25 years. They have poor customer service and high rates. Not the company they used to be. They were the only company I left through the whole experience. I would not recommend them, especially after all of the fraud that has come out of the company in recent years.
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA offers all the standard coverage options, as well as uninsured and underinsured motorist coverage, personal injury protection (PIP) coverage, roadside assistance, and rental reimbursement. Eligible policyholders can earn significant discounts. Unfortunately, USAA only offers coverage for current, former, and reserve military members and their families.

Pros
  • Variety of discounts available, including good grade and multi-car discounts 

  • You can file claims and make policy changes through the mobile app

Cons
  • Only available to military members, veterans, and their families

  • Low average Better Business Bureau (BBB) customer reviews

Cheapest insurer for teen drivers: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
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.
$80/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.
$126/mo
4.1
Best choiceBased on 11,527 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,132)
Diane
Verified Review
Rates are so high
Reviewed in Arizona on September 2025
Excellent agent.
Rose
Verified Review
Good Company
Reviewed in Michigan on August 2025
Good insurance company.
Heriberto
Verified Review
Okay handling accidents, but prices keep rising
Reviewed in New Jersey on August 2025
The policy prices keep increasing every 6 months, which is not good.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm provides the standard range of auto insurance options. It also offers uninsured and underinsured motorist coverage, medical payments coverage, rental insurance, rideshare coverage, and emergency roadside service. Savings specifically for teens include good student, driver training, and student-away-at-school discounts.

Pros
  • Significant savings possible when bundling auto with life or property insurance

  • Easy policy management with mobile app

Cons
  • Negative BBB reviews

  • No gap insurance coverage

Cheapest insurer for infrequent drivers: Hugo

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.3 /10
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.
$74/mo
4.1
Best choiceBased on 156 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (57)
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
Rebekah
Verified Review
Never Able to Speak with Customer Service, So I Switched!
Reviewed in Georgia on March 2025
I was never able to speak with someone, so I switched!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Founded in 2021, Hugo sells usage-based insurance in 13 states, including South Carolina. You can purchase liability coverage for as few as three days at a time, but policy terms range up to six months.

Depending on the plan you choose, you can turn your coverage on and off so you only pay for coverage on the days you drive. Not for everyone, this pay-as-you-drive insurance works best for infrequent drivers like retirees, remote workers, and city dwellers.

Pros
  • Option to turn coverage on and off

  • No down payment or deposit required

Cons
  • Fewer coverage options than standard insurers

  • Not the cheapest option for daily drivers

How to get the cheapest car insurance in Columbia

When calculating car insurance rates, insurance companies consider elements such as your driving record, vehicle type, age, and credit score.

To help you find affordable car insurance coverage in Columbia, you should consider the following tactics for saving money:

  • Choose a high deductible. Opt for higher deductibles, as this can lower your premium.

  • Bundle your policies. You can qualify for multi-policy discounts by bundling your car insurance with other policies, such as homeowners or renters insurance.

  • Drive a safe vehicle. Many insurers offer discounts for vehicles with safety features.

  • Ask about discounts. Inquire about discounts for safety features in your car, such as anti-theft devices and airbags.

  • Compare insurers. Shop around and compare quotes from multiple insurance companies to ensure you get the best rate.

Find Car Insurance in Columbia, SC

Liability rates start at $73 per month

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Columbia: USAA

Liability-only car insurance provides coverage for any damages or injuries you cause others in an accident. It doesn’t provide coverage for your car. Rather, liability insurance includes bodily injury liability to cover medical expenses and legal costs for injuries to others, as well as property damage liability to cover repairs or replacement of damaged property.[1]

Liability insurance costs an average of $192 per month in Columbia.

The insurance companies that offer the cheapest liability-only car insurance policies for you depend on your driving history and other factors. The following table shows minimum coverage quotes from top insurers in Columbia.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$73
Auto-Owners$78
State Farm$80
Progressive$116
Nationwide$119
Allstate$125
Travelers$135
State Auto$164
GEICO$164
Safeco$167
National General$180
Direct Auto$186
Root$193
Dairyland$201
The General$215
Liberty Mutual$229
Bristol West$263
GAINSCO$265
AssuranceAmerica$282
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

In addition to liability insurance, full-coverage insurance includes collision and comprehensive coverage. Collision coverage kicks in to cover repairs to your vehicle after a collision with another vehicle or object, while comprehensive coverage applies to damage from theft, vandalism, natural disaster, and other non-collision incidents.

Full coverage costs more than liability-only insurance but may be worth it if you drive an expensive vehicle. If you finance or lease your car, your lender or leasing company will require you to buy full coverage.

In Columbia, full-coverage car insurance averages $281 per month. Here are monthly quotes from some top insurers in Columbia.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$114
Auto-Owners$122
State Farm$126
Nationwide$186
Progressive$191
Allstate$197
GEICO$201
Travelers$211
Safeco$212
State Auto$256
Direct Auto$263
National General$263
Root$307
Liberty Mutual$342
The General$389
AssuranceAmerica$404
Dairyland$408
Bristol West$452
GAINSCO$463
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Columbia, South Carolina

Drivers using Insurify have found quotes as cheap as $74/mo for liability only and $112/mo for full coverage in Columbia and other South Carolina cities.

*Quotes generated for Insurify users in and around Columbia, South Carolina within the last 10 days. Last updated on September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Columbia, South Carolina within the last 10 days. Last updated on September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in South Carolina

Like most states, South Carolina law requires drivers to carry a minimum amount of car insurance. Specifically, you must have bodily injury liability, property damage liability, and uninsured motorist coverage.[2]

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist$25,000 per person / $50,000 per accident in bodily injury; $25,000 per accident in property damage

Optional coverages in South Carolina include:

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

    Collision coverage

    Collision coverage pays for physical damage to your car resulting from colliding with an object, such as a tree or another vehicle. If the cost of repairing the car exceeds 75% of its actual cash value (ACV), the car likely qualifies as a total loss.

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

    Comprehensive coverage

    Comprehensive coverage pays for damage to your vehicle from various causes, including fire, vandalism, flooding, theft, and animals. It also includes coverage for broken glass and doesn’t typically require a deductible for safety glass repairs or replacements.[3]

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

    Uninsured/underinsured motorist coverage

    Uninsured motorist insurance covers your injuries or property damage if the at-fault driver’s coverage limits are too low to cover your damages or medical bills.

Cheapest car insurance for drivers with an incident

Most driving incidents go on your driving record and can affect your auto insurance rates. These include speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other moving violations. The presence of these incidents on your record can indicate a greater likelihood of filing an insurance claim.[4]

For example, the average cost of full-coverage car insurance for Columbia drivers with clean records is $281 per month. But drivers with infractions on their records pay an average of $328 per month for the same coverage.

Find Car Insurance in Columbia, SC

Monthly rates start at $224 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: USAA

Though less significant than an accident or DUI, speeding tickets can cause your car insurance costs to increase. Insurance companies view speeding as a risky behavior that increases the likelihood of accidents, so they adjust premiums accordingly.

In Columbia, the average cost of car insurance with a speeding ticket is $334 per month for full coverage and $228 for liability-only policies. The following table shows the cheapest rates for drivers with speeding tickets.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$73$89
Auto-Owners$78$96
State Farm$80$97
Progressive$116$138
Nationwide$119$146
Allstate$125$152
Travelers$135$167
State Auto$164$203
GEICO$164$206
Safeco$167$209
National General$180$219
Direct Auto$186$229
Root$193$246
Dairyland$201$244
The General$215$279
Liberty Mutual$229$279
Bristol West$263$324
GAINSCO$265$311
AssuranceAmerica$282$329
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

At-fault accidents can lead to substantial increases in your car insurance costs. Insurance companies consider these accidents as an indication of higher risk, which results in elevated premiums.

Drivers with an at-fault accident in Columbia pay average car insurance costs of $353 per month for full coverage and $241 for liability only. Here are quotes from top insurers for Columbia drivers with at-fault accidents on their records.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$73$93
Auto-Owners$78$98
State Farm$80$101
Progressive$116$146
Nationwide$119$152
Allstate$125$158
Travelers$135$173
State Auto$164$210
GEICO$164$198
Safeco$167$224
National General$180$230
Direct Auto$186$246
Root$193$239
Dairyland$201$258
The General$215$287
Liberty Mutual$229$293
Bristol West$263$336
GAINSCO$265$330
AssuranceAmerica$282$336
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

Due to the severity of the offense, a DUI greatly affects car insurance costs. Insurance companies view DUIs as a significant red flag for bad driving behavior that can lead to filing future claims. If you have a DUI on your record, you can expect your insurance premiums to increase substantially.

In Columbia, car insurance for drivers with DUIs averages $345 per month for full coverage and $236 for liability only. Many companies in Columbia still provide affordable insurance for drivers with a DUI. Here are monthly quotes from some top insurance companies.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$73$100
Auto-Owners$78$107
State Farm$80$110
Progressive$116$142
Nationwide$119$163
Allstate$125$171
Travelers$135$185
State Auto$164$225
GEICO$164$225
Safeco$167$245
National General$180$247
Direct Auto$186$255
Root$193$264
Dairyland$201$275
The General$215$294
Liberty Mutual$229$314
Bristol West$263$360
GAINSCO$265$363
AssuranceAmerica$282$386
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

Car insurance rates typically decrease once drivers reach 25, thanks to more experience driving and reduced risky behavior. But insurance premiums tend to increase again slightly when drivers reach around age 70, partially due to potentially declining physical abilities and a heightened vulnerability to accidents.

Senior drivers in Columbia can still find affordable coverage. The average rate for full coverage for Columbia seniors is $244 per month, and liability-only policies average $167 per month, according to Insurify data. Here are average monthly quotes for senior drivers from some top insurance companies in Columbia.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
USAA$94$60
Auto-Owners$99$63
State Farm$100$64
Nationwide$144$92
GEICO$162$132
Allstate$163$103
Progressive$166$101
Travelers$170$109
Safeco$187$147
State Auto$199$128
National General$208$142
Direct Auto$213$151
Root$261$164
Liberty Mutual$288$193
AssuranceAmerica$318$222
The General$324$179
Dairyland$338$166
Bristol West$376$219
GAINSCO$394$226
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

Car insurance rates for teenage drivers are typically much higher than premiums for adults due to the increased risk associated with inexperienced drivers.

In Columbia, car insurance rates for teen drivers average $566 per month for full coverage and $386 for liability only.

To obtain the cheapest car insurance as a teen, consider staying on your parents’ insurance policy, as it often offers more favorable rates. You can also opt for a car with good safety features to lower insurance costs.[5] Lastly, you can qualify for a good student discount by maintaining good grades.

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
USAA$220$141
Auto-Owners$242$155
State Farm$252$160
Nationwide$378$242
GEICO$380$310
Progressive$384$233
Allstate$406$257
Safeco$442$348
Travelers$444$284
Direct Auto$541$383
National General$560$383
Root$564$354
Liberty Mutual$636$426
State Auto$645$413
The General$708$391
Dairyland$716$353
AssuranceAmerica$847$591
Bristol West$850$495
GAINSCO$914$523
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Columbia car insurance quotes by credit tier

In the state of South Carolina, car insurance companies can consider credit history when determining premiums. Having excellent or good credit scores can lead to lower rates, and poor credit scores generally result in higher rates.[6]

On average, South Carolina drivers with excellent credit pay $271 per month for coverage.

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?

Car insurance rates vary by location, and Columbia, South Carolina, drivers have higher car insurance rates than the state’s average costs.

The average cost of minimum coverage in Columbia is $192, while full coverage averages $281 per month. By comparison, the state averages are $168 and $238.

More cities in South Carolina

“In pricing insurance, insurance companies rate coverage by state, city, and even down to the ZIP code level in larger municipalities,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Specific location rating factors typically include weather hazards, accident frequency and severity, theft and vandalism rates, and the costs of repairs.”

The following table shows average monthly car insurance rates in other South Carolina cities.

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Charleston$268$197
Greenville$244$172
Lexington$258$171
Myrtle Beach$216$170
North Charleston$292$209
Rock Hill$249$180
Summerville$267$203
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Columbia car insurance FAQs

Finding affordable coverage doesn’t have to feel difficult. The information below should help you navigate the process of finding car insurance in Columbia, South Carolina.

  • How much is car insurance in Columbia?

    On average, drivers in Columbia spend $281 per month for full-coverage insurance, while liability coverage comes in at $192 per month. Your actual rate will vary depending on multiple factors, including your ZIP code, gender, age, driving record, and more.

  • What company has the cheapest car insurance in Columbia?

    USAA is the cheapest car insurance company in South Carolina, with liability rates starting at $73 per month. But USAA may not be an option for all drivers.

    Columbia motorists can also find affordable coverage through Auto-Owners and State Farm, which have liability-only rates as low as $78 and $80 per month.

  • What are the best car insurance companies in Columbia?

    With an A++ (Superior) rating from AM Best, an IQ Score of 9.1 out of 5, and cheap average rates, USAA is one of the best car insurance companies in Columbia. State Farm also earned an A++ rating from AM Best and also has a high IQ Score of 9.3.

  • How much car insurance do you need in South Carolina?

    The state’s minimum requirements include $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and uninsured motorist coverage equal to the bodily injury and property damage requirements. You need to at least carry the minimum required insurance to drive legally in the state.

  • Is South Carolina a no-fault state?

    No. South Carolina is an at-fault, or tort, state, which means the driver responsible for an accident — typically through their insurer — must cover the costs of any property damage or injury they caused the other driver and their 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 500+ 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.

Related articles

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. South Carolina Department of Insurance. "Automobile Insurance."
  3. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. Insurance Information Institute. "How to save money on car insurance."
  6. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Jacqueline has been a contributor at Insurify since October 2022.

Katie Powers
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Katie PowersSenior Editor
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Daniel RoccatoAdvisor
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Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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