How to Find the Cheapest Car Insurance in Columbia
Columbia, the capital city of South Carolina, is a vibrant and bustling metropolis known for its rich history and southern charm. Vehicle owners in the city have one essential aspect to consider – finding cheap car insurance. Finding the cheapest policy rates can be time-consuming and overwhelming without proper guidance. However, with InsuranceQuotes’ real-time cost database at your disposal, comparing multiple free auto insurance quotes has never been easier. By utilizing this platform’s comprehensive resources in one place, individuals can save both time and money while ensuring they find an affordable coverage plan that meets their specific needs. With Columbia’s diverse range of drivers on its roads daily – from students commuting to University of South Carolina campuses to professionals navigating downtown traffic – it becomes crucial for residents here to secure reliable yet economical car insurance policies through efficient comparison shopping methods like those offered by InsuranceQuotes.
Average Car Insurance Costs for Columbia, MO
- State minimum liability on average in Columbia costs $76 a month or $914 a year.
- Full coverage auto policies costs around $268 a month or $3,218 a year in Columbia.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Columbia – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who Has the Cheapest Car Insurance Policy Rates in Columbia?
- In Columbia the cheapest car insurance rates on average are from State Farm, Progressive, and GEICO. State minimum liability car insurance starts at $54 a month or $654 a year. Full coverage car insurance starts at $188 a month or $2,252 a year with State Farm.
Here is the average costs from the cheapest local insurance providers in Columbia from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| State Farm | $654 | $54 | $2,252 | $188 |
| Progressive | $715 | $60 | $3,715 | $310 |
| GEICO | $1,022 | $85 | $4,183 | $349 |
| American Family | $1,072 | $89 | $2,521 | $210 |
| Shelter Insurance | $1,194 | $100 | $4,454 | $371 |
How Much Car Insurance Do I Need in Missouri?
Missouri state minimum liability required by law covers damages to other people’s property and medical expenses if you’re at fault in an accident. Minimum policy coverage requirements are as follows:
State Minimum Liability (Cheapest Coverage Option):
This is required by law in Missouri and covers damages to other people’s property and medical expenses if you’re at fault in an accident.
- $25,000 bodily injury liability coverage per person injured in an accident
- $50,000 bodily injury liability coverage per accident for all persons injured
- $25,000 property damage liability coverage per accident
If you are looking for higher levels of car insurance coverage the following options are also available for drivers in {missouri-city-auto-insurance(MOCity)}:
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses.
- Personal Injury Protection (PIP): Also known as “no-fault” coverage, PIP pays for medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident.
- Collision Coverage: This covers damage to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This covers damage to your vehicle from non-collision incidents such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if you’re injured in an accident, regardless of who is at fault.
- Rental Reimbursement Coverage: This optional coverage helps pay for the cost of a rental car if your vehicle is being repaired due to a covered accident.
- Towing and Labor Coverage: This optional coverage helps pay for towing and labor costs if your vehicle breaks down and needs to be towed to a repair shop.
When selecting car insurance coverage options in Missouri, it’s important to consider your individual needs, budget, and risk tolerance – our trained IQ professionals can help you decide which policy option is best for you.
How to Get the Cheapest Auto Policy Rates
- Shop Multiple Car Insurance Quotes: Using InsuranceQuotes to compare quotes from multiple insurance companies to find the best rates. Each insurer may offer different discounts and pricing structures, so shopping around can help you find the most competitive option.
- Bundle Policies: Many insurance companies offer discounts if you bundle multiple policies, such as auto and homeowner’s insurance, with the same provider.
- Maintain a Good Driving Record: Insurance companies often offer lower rates to drivers with clean driving records. Avoid accidents and traffic violations to qualify for lower premiums.
- Consider Higher Deductibles: Choosing a higher deductible can lower your insurance premiums. Just make sure you can afford to pay the deductible out of pocket if you need to file a claim.
- Drive Less: Some insurance companies offer discounts for low-mileage drivers. If you drive fewer miles than average, inquire about mileage-based discounts.
- Take Advantage of Discounts: Many insurers offer discounts for various factors, such as being a good student, having safety features installed in your car, or completing a defensive driving course. Ask your insurance company about available discounts and eligibility criteria.
- Maintain Good Credit: Missouri insurance providers may use credit-based insurance scores to determine premiums. Maintaining a good credit score can help you qualify for lower rates.
- Drive a Safe Vehicle: Some cars are cheaper to insure than others due to factors like safety ratings, repair costs, and theft rates. Before purchasing a vehicle, research insurance costs for different makes and models.
- Review Your Coverage Regularly: Periodically review your insurance coverage to ensure you’re not paying for more coverage than you need. Adjust your coverage limits and deductibles as your circumstances change.
- Ask About Affiliation Discounts: Some insurers offer discounts for members of certain organizations, alumni associations, or professional groups. Inquire whether you qualify for any affiliation discounts.
