13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Clinical Professor of Finance, University of San Diego
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.
Save up to $852 by comparing quotes from the top 100+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Cheapest recent rates near Columbia, South Carolina
Drivers using Insurify have found quotes as cheap as $71/mo for liability only and $107/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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Columbia is the second-largest city in South Carolina, with a population of 139,698. Drivers in the state’s capital city pay $304 per month for full-coverage car insurance and $190 for liability-only policies, compared to the state averages of $276 for full coverage and $168 for liability only.
The city’s 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
▲▼
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.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
USAA
9.4
$91
$52
Drivers with an accident
State Farm
9.3
$100
$57
Teen drivers
Hugo
7.0
$54
$48
Infrequent drivers
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.
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
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.
9.4 /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.
$57/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.
$100/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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
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.
$63/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.
$110/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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
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.
7.0 /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.
$300/mo
4.1
Best choiceBased on 127 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
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 excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (49)
Natalie
December 5, 2024
Verified Purchase
Great! Affordable Insurance!
Excellent! It fits perfectly into my budget. It gives me peace of mind every time I head out.
Marcus
December 2, 2024
Verified Review
Bad Company
They never sent the state a record that I had insurance.
Sara
November 26, 2024
Verified Review
Poor
The service is poor, but they allow pay-as-you-go.
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:
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 $57 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $190 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$57
Auto-Owners
$62
State Farm
$63
GEICO
$67
Nationwide
$93
Allstate
$98
Safeco
$106
Travelers
$106
Progressive
$114
State Auto
$129
Direct Auto
$168
National General
$180
Dairyland
$180
Liberty Mutual
$204
The General
$210
AssuranceAmerica
$245
Bristol West
$254
GAINSCO
$264
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: 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 $304 per month. Here are monthly quotes from some top insurers in Columbia.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
USAA
$100
Auto-Owners
$107
State Farm
$110
GEICO
$119
Safeco
$158
Nationwide
$163
Allstate
$173
Progressive
$181
Travelers
$185
Root
$218
State Auto
$225
National General
$270
Direct Auto
$279
AssuranceAmerica
$314
Liberty Mutual
$340
Dairyland
$379
The General
$419
Bristol West
$449
GAINSCO
$471
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 recent rates near Columbia, South Carolina
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $107/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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
$25,000 per person / $50,000 per accident in bodily injury; $25,000 per accident in property damage
Optional coverages in South Carolina include:
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.
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]
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 $304 per month. But drivers with infractions on their records pay an average of $384 per month for the same coverage.
Find Car Insurance in Columbia, SC
Monthly rates start at $240 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $411 per month for full coverage and $257 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
USAA
$57
$73
Auto-Owners
$62
$80
State Farm
$63
$79
GEICO
$67
$85
Nationwide
$93
$120
Allstate
$98
$125
Safeco
$106
$137
Travelers
$106
$136
Progressive
$114
$144
State Auto
$129
$177
Direct Auto
$168
$215
National General
$180
$230
Dairyland
$180
$229
Liberty Mutual
$204
$280
The General
$210
$274
AssuranceAmerica
$245
$310
Bristol West
$254
$326
GAINSCO
$264
$362
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: 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 $424 per month for full coverage and $265 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
USAA
$57
$76
Auto-Owners
$62
$83
State Farm
$63
$83
GEICO
$67
$90
Nationwide
$93
$125
Allstate
$98
$131
Safeco
$106
$141
Travelers
$106
$142
Progressive
$114
$154
State Auto
$129
$187
Direct Auto
$168
$229
National General
$180
$239
Dairyland
$180
$238
Liberty Mutual
$204
$290
The General
$210
$286
AssuranceAmerica
$245
$319
Bristol West
$254
$339
GAINSCO
$264
$337
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: 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 $485 per month for full coverage and $303 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
USAA
$57
$92
Auto-Owners
$62
$101
State Farm
$63
$102
GEICO
$67
$109
Nationwide
$93
$151
Allstate
$98
$159
Safeco
$106
$155
Travelers
$106
$172
Progressive
$114
$185
State Auto
$129
$209
Direct Auto
$168
$272
National General
$180
$292
Dairyland
$180
$292
Liberty Mutual
$204
$331
The General
$210
$341
AssuranceAmerica
$245
$397
Bristol West
$254
$412
GAINSCO
$264
$428
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: 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 $249 per month, and liability-only policies average $156 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
USAA
$80
$45
Auto-Owners
$84
$49
State Farm
$85
$49
GEICO
$94
$53
Nationwide
$121
$69
Progressive
$130
$82
Safeco
$135
$90
Allstate
$138
$78
Travelers
$144
$83
State Auto
$168
$96
National General
$205
$137
Direct Auto
$216
$130
AssuranceAmerica
$236
$184
Liberty Mutual
$283
$170
Dairyland
$301
$143
The General
$337
$169
Bristol West
$359
$203
GAINSCO
$393
$220
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: 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 $568 per month for full coverage and $355 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
USAA
$177
$101
Auto-Owners
$189
$109
State Farm
$199
$114
GEICO
$201
$113
Nationwide
$300
$171
Safeco
$314
$211
Allstate
$325
$184
Progressive
$333
$210
Travelers
$352
$202
State Auto
$420
$241
Direct Auto
$535
$322
National General
$555
$370
AssuranceAmerica
$604
$471
Liberty Mutual
$611
$367
Dairyland
$642
$305
The General
$702
$352
Bristol West
$796
$450
GAINSCO
$852
$478
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.
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 $190, while full coverage averages $304 per month. By comparison, the state averages are $168 and $276.
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.
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.
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 $304 per month for full-coverage insurance, while liability coverage comes in at $190 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 $57 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 $62 and $63 per month.
What are the best car insurance companies in Columbia?
With an A++ (Superior) rating from AM Best, an IQ Score of 9.4 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 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.
Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
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.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Clinical Professor of Finance, University of San Diego
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.
)
)
){kind=small}
){kind=small}
)
)
){kind=small}
){kind=small}
)
)
)
)
)
)
)
)