Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

Full Bio →

Written by

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Columbia, AL for senior drivers are $1,802/year
  • The cheapest car insurance company in Columbia for teen drivers is USAA
  • Average car insurance rates in Columbia, AL are $281/month

Average car insurance rates in Columbia, Alabama are $281 a month. But with a little research you can get a great deal from the top car insurance companies in Columbia, AL. Before you buy Columbia, Alabama car insurance, make sure your coverage meets or exceeds the Alabama minimum of 25/50/25.

It may even be helpful to compare Columbia car insurance rates with Hoover car insurance rates, Auburn car insurance rates, or Huntsville car insurance rates to make sure you’re getting the best Columbia, AL car insurance quotes available.

Need affordable Columbia, AL car insurance? Enter your ZIP code to compare Columbia car insurance quotes from multiple car insurance companies near you.

Columbia, AL Minimum Car Insurance Coverage

Columbia, Alabama law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Columbia, Alabama

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Columbia, AL Car Insurance Rates by Coverage Level

Some Columbia drivers can get by with the Alabama minimum coverage of 25/50/25. Other drivers may need more. See how much your Columbia, Alabama car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Columbia, Alabama

Insurance Company Low Medium High
Allstate $3,014 $3,113 $3,225
Farmers $3,670 $3,852 $4,199
GEICO $2,385 $2,595 $2,843
Liberty Mutual $4,613 $4,819 $5,096
Nationwide $2,416 $2,437 $2,508
Progressive $3,438 $3,872 $4,404
State Farm $4,437 $4,701 $4,979
Travelers $2,875 $3,067 $3,083
USAA $1,722 $1,784 $1,879

Columbia, AL Car Insurance Rates by Age, Gender, and Marital Status

Columbia, Alabama car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Columbia, AL car insurance, get quotes from multiple car insurance companies in the Columbia area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Columbia, Alabama

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,886 $1,801 $1,705 $1,739 $6,513 $7,013 $2,116 $2,164
Farmers $2,225 $2,209 $1,987 $2,116 $8,679 $8,928 $2,515 $2,598
GEICO $1,880 $1,862 $1,796 $1,856 $4,889 $4,766 $1,984 $1,829
Liberty Mutual $2,817 $3,042 $2,314 $2,586 $10,324 $11,478 $2,995 $3,186
Nationwide $1,616 $1,634 $1,477 $1,526 $4,196 $5,394 $1,790 $1,996
Progressive $2,166 $2,024 $1,770 $1,914 $8,650 $9,606 $2,506 $2,605
State Farm $2,871 $2,871 $2,603 $2,603 $8,751 $10,969 $3,245 $3,735
Travelers $1,250 $1,269 $1,172 $1,170 $6,502 $10,147 $1,192 $1,365
USAA $1,126 $1,142 $1,056 $1,037 $3,307 $3,662 $1,457 $1,572

Columbia, AL Car Insurance Rates for Teens

How much is Columbia, Alabama car insurance for teens? Compare rates from top Columbia car insurance companies below to help find the cheapest teen car insurance in Columbia, AL.

Annual Car Insurance Rates for Teen Drivers in Columbia, Alabama

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,513 $7,013
Farmers $8,679 $8,928
GEICO $4,889 $4,766
Liberty Mutual $10,324 $11,478
Nationwide $4,196 $5,394
Progressive $8,650 $9,606
State Farm $8,751 $10,969
Travelers $6,502 $10,147
USAA $3,307 $3,662

Columbia, AL Car Insurance Rates for Seniors

Before seniors buy Columbia, Alabama car insurance, they should make sure to shop around. Some Columbia, AL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Columbia, Alabama

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,705 $1,739
Farmers $1,987 $2,116
GEICO $1,796 $1,856
Liberty Mutual $2,314 $2,586
Nationwide $1,477 $1,526
Progressive $1,770 $1,914
State Farm $2,603 $2,603
Travelers $1,172 $1,170
USAA $1,056 $1,037

Columbia, AL Car Insurance Rates by Credit History

How does your credit history affect Columbia, AL car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Columbia, Alabama

Insurance Company Poor Fair Good
Allstate $3,853 $3,025 $2,473
Farmers $4,376 $3,771 $3,574
GEICO $3,315 $2,366 $2,142
Liberty Mutual $6,927 $4,257 $3,343
Nationwide $2,952 $2,313 $2,096
Progressive $4,419 $3,777 $3,519
State Farm $7,634 $3,862 $2,622
Travelers $3,282 $2,846 $2,898
USAA $2,400 $1,575 $1,410

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Columbia, AL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Columbia, Alabama car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Columbia.

Annual Columbia, Alabama Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,657 $3,127 $3,690 $2,995
Farmers $3,290 $4,258 $4,155 $3,926
GEICO $1,764 $2,830 $3,486 $2,351
Liberty Mutual $3,799 $5,289 $5,167 $5,115
Nationwide $2,152 $2,152 $3,114 $2,397
Progressive $3,527 $4,422 $3,797 $3,875
State Farm $4,243 $5,271 $4,655 $4,655
Travelers $2,510 $2,634 $3,839 $3,050
USAA $1,385 $1,736 $2,561 $1,497

Columbia, AL Car Insurance Rates With a DUI

Even a single DUI can increase your Columbia, AL car insurance rates. Compare rates below to see which Columbia car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Columbia, Alabama

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,690
Farmers $4,155
GEICO $3,486
Liberty Mutual $5,167
Nationwide $3,114
Progressive $3,797
State Farm $4,655
Travelers $3,839
USAA $2,561

Columbia, AL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Columbia, AL car insurance rates may be. Let’s take a look at average car insurance rates from top Columbia companies based on commute time.

Annual Car Insurance Rates by Commute Length in Columbia, Alabama

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,117 $3,117
Farmers $3,907 $3,907
GEICO $2,560 $2,656
Liberty Mutual $4,843 $4,843
Nationwide $2,454 $2,454
Progressive $3,905 $3,905
State Farm $4,590 $4,821
Travelers $3,008 $3,008
USAA $1,713 $1,876

Columbia, AL Cheapest Car Insurance Rates

How do the top Columbia, Alabama car insurance companies’ average rates stack up against the Columbia average monthly car insurance rates of $281? Take a look and see.

Best Annual Car Insurance Rates by Company in Columbia, Alabama

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Columbia, AL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Columbia, Alabama car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Columbia, Alabama

Insurance Company Average Annual Rates
Allstate $3,117
Farmers $3,907
GEICO $2,608
Liberty Mutual $4,843
Nationwide $2,454
Progressive $3,905
State Farm $4,706
Travelers $3,008
USAA $1,795

Other Factors Affecting Columbia, AL Car Insurance Rates

Before you buy Columbia, Alabama car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Columbia, AL Commute Time

How does your Columbia, AL commute time compare with the average driver? In Columbia, the average commute is 26.8 minutes.

Columbia, AL Traffic

Spending time in Columbia traffic can lead to higher car insurance rates. According to INRIX data, Columbia, AL ranks as the 325th-most congested with traffic in the world.

Columbia, AL Car Insurance Quotes

Compare Columbia, AL car insurance quotes from multiple companies by entering your ZIP code now.