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 13, 2022

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Just What's Essential

  • Average car insurance rates in Columbia, TN for senior drivers are $1,801/year
  • The cheapest car insurance company in Columbia for teen drivers is State Farm
  • Average car insurance rates in Columbia, TN are $280/month

Average car insurance rates in Columbia, Tennessee are $280 a month. But with a little research you can get a great deal from the top car insurance companies in Columbia, TN. Before you buy Columbia, Tennessee car insurance, make sure your coverage meets or exceeds the Tennessee minimum of 25/50/15.

It may even be helpful to compare Columbia car insurance rates with Franklin car insurance rates, Clarksville car insurance rates, or Knoxville car insurance rates to make sure you’re getting the best Columbia, TN car insurance quotes available.

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

Columbia, TN Minimum Car Insurance Coverage

Columbia, Tennessee law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Columbia, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Columbia, TN Car Insurance Rates by Coverage Level

Some Columbia drivers can get by with the Tennessee minimum coverage of 25/50/15. Other drivers may need more. See how much your Columbia, Tennessee car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Columbia, Tennessee

Insurance Company Low Medium High
Allstate $4,676 $4,833 $5,024
Farmers $3,305 $3,467 $3,674
GEICO $3,032 $3,177 $3,336
Liberty Mutual $5,787 $6,049 $6,308
Nationwide $3,438 $3,344 $3,464
Progressive $3,608 $3,836 $4,060
State Farm $2,469 $2,634 $2,761
Travelers $2,590 $2,759 $2,932
USAA $2,655 $2,728 $2,828

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

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

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 $2,816 $2,709 $2,530 $2,627 $10,499 $11,445 $3,012 $3,118
Farmers $1,881 $1,915 $1,690 $1,844 $7,422 $7,867 $2,535 $2,703
GEICO $2,124 $2,146 $1,959 $1,959 $6,385 $6,506 $2,154 $2,222
Nationwide $2,179 $2,195 $1,954 $1,983 $6,026 $7,761 $2,507 $2,717
Progressive $1,962 $1,853 $1,599 $1,669 $8,765 $9,875 $2,368 $2,588
State Farm $1,600 $1,600 $1,443 $1,443 $4,875 $6,105 $1,807 $2,096
Travelers $1,760 $1,851 $1,610 $1,713 $5,037 $6,272 $1,871 $1,969
USAA $1,553 $1,582 $1,399 $1,400 $5,479 $6,295 $2,026 $2,162

Columbia, TN Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Columbia, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,499 $11,445
Farmers $7,422 $7,867
GEICO $6,385 $6,506
Nationwide $6,026 $7,761
Progressive $8,765 $9,875
State Farm $4,875 $6,105
Travelers $5,037 $6,272
USAA $5,479 $6,295

Columbia, TN Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Columbia, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,530 $2,627
Farmers $1,690 $1,844
GEICO $1,959 $1,959
Nationwide $1,954 $1,983
Progressive $1,599 $1,669
State Farm $1,443 $1,443
Travelers $1,610 $1,713
USAA $1,399 $1,400

Columbia, TN Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Columbia, Tennessee

Insurance Company Poor Fair Good
Allstate $6,178 $4,736 $3,620
Farmers $4,149 $3,236 $3,061
GEICO $3,612 $3,091 $2,842
Liberty Mutual $8,656 $5,322 $4,165
Nationwide $4,094 $3,259 $2,892
Progressive $4,315 $3,717 $3,473
State Farm $3,806 $2,284 $1,773
Travelers $3,503 $2,764 $2,013
USAA $3,973 $2,323 $1,915

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Columbia, TN Car Insurance Rates by Driver History

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

Annual Columbia, Tennessee Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,066 $4,842 $5,827 $4,642
Farmers $2,973 $3,680 $3,753 $3,522
GEICO $2,307 $3,097 $5,017 $2,307
Liberty Mutual $4,905 $7,074 $6,575 $5,637
Nationwide $2,956 $2,956 $4,435 $3,313
Progressive $3,378 $4,383 $3,598 $3,981
State Farm $2,390 $2,852 $2,621 $2,621
Travelers $2,235 $2,875 $3,181 $2,750
USAA $1,993 $2,979 $3,504 $2,471

Columbia, TN Car Insurance Rates With a DUI

Even a single DUI can increase your Columbia, TN 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, Tennessee

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,827
Farmers $3,753
GEICO $5,017
Liberty Mutual $6,575
Nationwide $4,435
Progressive $3,598
State Farm $2,621
Travelers $3,181
USAA $3,504

Columbia, TN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Columbia, TN 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, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,844 $4,844
Farmers $3,482 $3,482
GEICO $3,164 $3,200
Liberty Mutual $6,048 $6,048
Nationwide $3,415 $3,415
Progressive $3,835 $3,835
State Farm $2,558 $2,684
Travelers $2,652 $2,869
USAA $2,660 $2,814

Columbia, TN Cheapest Car Insurance Rates

How do the top Columbia, Tennessee car insurance companies’ average rates stack up against the Columbia average monthly car insurance rates of $280? Take a look and see.

Best Annual Car Insurance Rates by Company in Columbia, Tennessee

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

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Columbia, TN Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Columbia, Tennessee

Insurance Company Average Annual Rates
Allstate $4,844
Farmers $3,482
GEICO $3,182
Nationwide $3,415
Progressive $3,835
State Farm $2,621
Travelers $2,760
USAA $2,737

Other Factors Affecting Columbia, TN Car Insurance Rates

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

Columbia, TN Commute Time

How does your Columbia, TN commute time compare with the average driver? In Columbia, the average commute is 27.9 minutes.

Columbia, TN Traffic

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

Columbia, TN Car Insurance Quotes

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