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 for teen drivers is Nationwide
  • The cheapest car insurance company in Columbia after a DUI is State Farm
  • Average car insurance rates in Columbia, MO are $267/month

Average car insurance rates in Columbia, Missouri are $267 a month. But with a little research you can get a great deal from the top car insurance companies in Columbia, MO. Before you buy Columbia, Missouri car insurance, make sure your coverage meets or exceeds the Missouri minimum of 25/50/25.

It may even be helpful to compare Columbia car insurance rates with Florissant car insurance rates, Blue Springs car insurance rates, or Independence car insurance rates to make sure you’re getting the best Columbia, MO car insurance quotes available.

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

Columbia, MO Minimum Car Insurance Coverage

Columbia, Missouri 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, Missouri

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

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Columbia, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Columbia, Missouri

Insurance Company Low Medium High
Allstate $3,730 $3,856 $4,005
American Family $2,970 $3,159 $3,058
Farmers $3,984 $4,210 $4,548
GEICO $2,605 $2,802 $2,927
Liberty Mutual $4,042 $4,318 $4,522
Nationwide $1,921 $2,058 $2,144
Progressive $3,027 $3,382 $3,701
State Farm $2,314 $2,494 $2,642
USAA $2,578 $2,672 $2,788

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

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

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 $2,699 $2,616 $2,423 $2,500 $7,389 $7,996 $2,597 $2,687
American Family $2,004 $2,004 $1,785 $1,785 $5,466 $7,106 $2,004 $2,344
Farmers $2,332 $2,318 $2,081 $2,206 $9,647 $9,968 $2,656 $2,769
GEICO $1,812 $2,031 $1,397 $1,797 $5,776 $6,115 $1,646 $1,652
Liberty Mutual $2,563 $2,776 $2,112 $2,370 $8,989 $9,982 $2,695 $2,867
Nationwide $1,357 $1,382 $1,219 $1,287 $3,456 $4,407 $1,550 $1,671
Progressive $2,051 $1,895 $1,685 $1,730 $6,861 $7,692 $2,496 $2,553
State Farm $1,521 $1,521 $1,374 $1,374 $4,603 $5,785 $1,718 $1,971
USAA $1,636 $1,622 $1,470 $1,497 $4,900 $5,991 $2,043 $2,274

Columbia, MO Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Columbia, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,389 $7,996
American Family $5,466 $7,106
Farmers $9,647 $9,968
GEICO $5,776 $6,115
Liberty Mutual $8,989 $9,982
Nationwide $3,456 $4,407
Progressive $6,861 $7,692
State Farm $4,603 $5,785
USAA $4,900 $5,991

Columbia, MO Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Columbia, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,423 $2,500
American Family $1,785 $1,785
Farmers $2,081 $2,206
GEICO $1,397 $1,797
Liberty Mutual $2,112 $2,370
Nationwide $1,219 $1,287
Progressive $1,685 $1,730
State Farm $1,374 $1,374
USAA $1,470 $1,497

Columbia, MO Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Columbia, Missouri

Insurance Company Poor Fair Good
Allstate $5,327 $3,428 $2,835
American Family $3,999 $2,815 $2,372
Farmers $4,845 $4,048 $3,850
GEICO $3,835 $2,499 $2,000
Liberty Mutual $6,147 $3,768 $2,968
Nationwide $2,402 $1,990 $1,730
Progressive $3,888 $3,236 $2,987
State Farm $3,470 $2,202 $1,777
USAA $4,483 $2,074 $1,481

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Columbia, MO Car Insurance Rates by Driver History

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

Annual Columbia, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,322 $3,740 $4,638 $3,753
American Family $2,292 $3,320 $4,024 $2,614
Farmers $3,670 $4,574 $4,472 $4,274
GEICO $2,139 $2,820 $3,823 $2,331
Liberty Mutual $3,119 $4,483 $4,613 $4,962
Nationwide $1,602 $2,058 $2,749 $1,754
Progressive $2,917 $3,915 $3,235 $3,414
State Farm $2,268 $2,698 $2,483 $2,483
USAA $2,145 $2,604 $3,621 $2,346

Columbia, MO Car Insurance Rates With a DUI

Even a single DUI can increase your Columbia, MO 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, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,638
American Family $4,024
Farmers $4,472
GEICO $3,823
Liberty Mutual $4,613
Nationwide $2,749
Progressive $3,235
State Farm $2,483
USAA $3,621

Columbia, MO 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, MO car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Columbia, Missouri

ZIP Code Average Annual Rates
65201 $2,625
65202 $2,625
65203 $2,600
65211 $2,646
65215 $2,684
65216 $2,672
65299 $2,571

Columbia, MO Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Columbia, MO 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, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,863 $3,863
American Family $3,032 $3,093
Farmers $4,247 $4,247
GEICO $2,730 $2,827
Liberty Mutual $4,294 $4,294
Nationwide $2,041 $2,041
Progressive $3,370 $3,370
State Farm $2,422 $2,545
USAA $2,584 $2,775

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Columbia, MO Cheapest Car Insurance Rates

How do the top Columbia, Missouri car insurance companies’ average rates stack up against the Columbia average monthly car insurance rates of $267? Take a look and see.

Best Annual Car Insurance Rates by Company in Columbia, Missouri

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

Columbia, MO Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Columbia, Missouri

Insurance Company Average Annual Rates
Allstate $3,863
American Family $3,062
Farmers $4,247
GEICO $2,778
Liberty Mutual $4,294
Nationwide $2,041
Progressive $3,370
State Farm $2,483
USAA $2,679

Other Factors Affecting Columbia, MO Car Insurance Rates

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

Columbia, MO Commute Time

How does your Columbia, MO commute time compare with the average driver? In Columbia, the average commute is 16.6 minutes.

Columbia, MO Traffic

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

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Columbia, MO Car Insurance Quotes

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