Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Columbia after a DUI is Nationwide
  • Average car insurance rates in Columbia, MD are $400/month
  • The cheapest car insurance company in Columbia for teen drivers is USAA

Average car insurance rates in Columbia, Maryland are $400 a month. But with a little research you can get a great deal from the top car insurance companies in Columbia, MD. Before you buy Columbia, Maryland car insurance, make sure your coverage meets or exceeds the Maryland minimum of 30/60/15.

It may even be helpful to compare Columbia car insurance rates with Annapolis car insurance rates, College Park car insurance rates, or Laurel car insurance rates to make sure you’re getting the best Columbia, MD car insurance quotes available.

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

Columbia, MD Minimum Car Insurance Coverage

Columbia, Maryland law requires drivers carry a minimum of 30/60/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Columbia, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Columbia, MD Car Insurance Rates by Coverage Level

Some Columbia drivers can get by with the Maryland minimum coverage of 30/60/15. Other drivers may need more. See how much your Columbia, Maryland car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Columbia, Maryland

Insurance Company Low Medium High
Allstate $5,851 $5,975 $6,223
GEICO $3,840 $3,959 $4,150
Liberty Mutual $8,891 $9,147 $9,473
Nationwide $2,860 $3,000 $3,112
Progressive $4,367 $4,587 $4,798
State Farm $3,945 $4,184 $4,380
USAA $2,513 $2,666 $2,793

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

Columbia, Maryland car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Columbia, MD 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, Maryland

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 $3,932 $3,761 $3,763 $3,864 $11,813 $13,913 $3,526 $3,559
GEICO $2,488 $2,722 $2,837 $3,278 $7,566 $8,603 $2,133 $2,238
Liberty Mutual $6,594 $6,594 $6,519 $6,519 $12,768 $18,907 $6,594 $8,869
Nationwide $2,046 $2,050 $1,852 $1,904 $4,821 $6,329 $2,372 $2,550
Progressive $2,700 $2,424 $2,350 $2,403 $9,834 $10,745 $3,148 $3,067
State Farm $2,466 $2,466 $2,272 $2,272 $7,893 $10,114 $2,759 $3,113
USAA $1,911 $1,875 $1,791 $1,782 $4,256 $5,010 $2,193 $2,442

Columbia, MD Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Columbia, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,813 $13,913
GEICO $7,566 $8,603
Liberty Mutual $12,768 $18,907
Nationwide $4,821 $6,329
Progressive $9,834 $10,745
State Farm $7,893 $10,114
USAA $4,256 $5,010

Columbia, MD Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Columbia, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,763 $3,864
GEICO $2,837 $3,278
Liberty Mutual $6,519 $6,519
Nationwide $1,852 $1,904
Progressive $2,350 $2,403
State Farm $2,272 $2,272
USAA $1,791 $1,782

Columbia, MD Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Columbia, Maryland

Insurance Company Poor Fair Good
Allstate $7,808 $5,437 $4,804
GEICO $4,515 $3,740 $3,694
Liberty Mutual $13,109 $8,446 $5,956
Nationwide $3,821 $2,705 $2,446
Progressive $5,761 $4,347 $3,645
State Farm $6,105 $3,617 $2,786
USAA $3,538 $2,433 $2,002

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Columbia, MD Car Insurance Rates by Driver History

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

Annual Columbia, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,311 $7,106 $5,311 $6,338
GEICO $2,818 $4,402 $5,370 $3,342
Liberty Mutual $6,588 $8,680 $13,076 $8,337
Nationwide $2,632 $3,532 $2,816 $2,983
Progressive $3,906 $5,203 $4,729 $4,498
State Farm $3,732 $4,704 $4,121 $4,121
USAA $2,090 $2,566 $3,725 $2,249

Columbia, MD Car Insurance Rates With a DUI

Even a single DUI can increase your Columbia, MD 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, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,311
GEICO $5,370
Liberty Mutual $13,076
Nationwide $2,816
Progressive $4,729
State Farm $4,121
USAA $3,725

Columbia, MD Car Insurance Rates by ZIP Code

Just like Columbia car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Columbia, MD car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Columbia, Maryland

ZIP Code Average Annual Rates
21044 $4,058
21045 $4,125
21046 $4,097

Columbia, MD Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Columbia, MD 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, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,930 $6,102
GEICO $3,918 $4,048
Liberty Mutual $8,926 $9,415
Nationwide $2,991 $2,991
Progressive $4,584 $4,584
State Farm $4,063 $4,276
USAA $2,575 $2,740

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Columbia, MD Cheapest Car Insurance Rates

How do the top Columbia, Maryland car insurance companies’ average rates stack up against the Columbia average monthly car insurance rates of $400? Take a look and see.

Best Annual Car Insurance Rates by Company in Columbia, Maryland

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

Columbia, MD Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Columbia, Maryland

Insurance Company Average Annual Rates
Allstate $6,016
GEICO $3,983
Liberty Mutual $9,170
Nationwide $2,991
Progressive $4,584
State Farm $4,169
USAA $2,658

Other Factors Affecting Columbia, MD Car Insurance Rates

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

Columbia, MD Commute Time

How does your Columbia, MD commute time compare with the average driver? In Columbia, the average commute is 30.3 minutes.

Columbia, MD Traffic

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

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Columbia, MD Car Insurance Quotes

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