Columbia, MO Auto Insurance | Cheap Car Insurance in Columbia, MO

Columbia, MO auto insurance can be as low as $34/mo. Finding affordable car insurance in Columbia, MO will be made easier by shopping around at all the car insurance companies in Columbia, MO.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 17, 2020

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Are you looking for cheap Columbia, MO auto insurance? At, you’ll find the cheapest insurance premiums near you. To receive free auto insurance rates offered by the very best providers today, input your local ZIP code within the quote box in this article.

Citizens of Columbia can pay rates as low as $34 a month, far below the state average of $101. The companies that offer the best rates are State Farm, Allied, and Cal Casualty. The minimum requirements for Columbia, MO auto insurance is 25/50/10, and collision and comprehensive are not required.

Columbia, Missouri is a college town and home to the University of Missouri. It has a long history dating all the way back to the Native American mound-builders. Columbia is geographically located halfway between Kansas City and St. Louis. The city is economically strong in the industries of medicine, education, and services such as insurance.

As the fourth-largest city in Missouri, there will be many auto insurance options for you to choose from. It’s important to take the time and find the best one for you. Read on to learn more about what is required to drive in Columbia. From rates to requirements and everything between, we have you covered.

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Auto Insurance Coverage Requirements in Missouri

Driving legally in Columbia requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Bare in mind that simply because Comprehensive, Collision, along with other types of coverage aren’t needed does not mean you should not consider them. The additional expense might be worthwhile over time. In the end, neither Liability nor Uninsured coverage pays on claims for weather conditions or thievery.

Most Missouri motorists should be expected to pay for around $101 monthly. However, Columbia motorists will find deals as little as $34/mo* – knowing where and just how to appear. With the proper provider and a few good data, you can also obtain the best deals on automotive insurance in your area.

Average Monthly Auto Insurance PremiumsLegend: Columbia Allstate Allied Cal Casualty State Farm Safe Auto 51015202530354045$33$29$28$28$45

Allstate, State Farm, and Allied are providing the best deals with Columbia at this time. These are a few pretty much well-established companies, therefore it should not be way too hard to find information about their customer support records and find out if their client satisfaction rankings are up to snuff.

Vehicle insurance providers evaluate various variables when determining car insurance quotes, such as driving experience, geography, credit score/rating, education, and current insurance coverage and limits. Also keep in mind that premiums can vary from company to company. To make sure you’re still getting the cheapest rate, do a comparison of cheap Columbia auto insurance estimates online.

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Major Car Insurance Factors in Columbia

There is a wide array of numerous items that can factor into the auto insurance quotes in Columbia, MO that you receive. Even though many specific factors aren’t really anything you can do something about, some of them are things that you can change for the better. Here are a few components which can change your automobile insurance premium:

Your Zip Code

Most of the time, the lowest-priced vehicle insurance is usually found in towns with a lesser population density. Since there are a lesser number of cars on the highway, you will find a lot fewer opportunities to get into a serious car crash with a different individual. The population of Columbia is actually 115,276 and also the typical household earnings are $42,898.

Auto Insurance by Zip CodeLegend: Kansas City St. Louis Columbia Independence Springfield Allstate Allied Cal Casualty State Farm Safe Auto 51015202530354045505560$40$46$33$42$34$42$44$29$36$31$42$47$28$36$35$44$49$28$37$35$59$63$45$56$45


Automotive Accidents

Driving around within an area with maximum accidents will probably produce greater monthly insurance rates. You can observe the accident statistics for Columbia within the chart below. As the accident rate does not appear that elevated, these amounts are higher when in comparison to metropolitan areas having a similarly sized population.

Fatal Accidents in Columbia, MOLegend: Columbia Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1234567663671

Auto Thefts in Columbia

Sometimes in smaller cities or outlying towns, automobile theft can nonetheless be a problem. In order to make it smaller trouble in your case, consider putting in a passive anti-theft system within your automobile. Your current vehicle insurance provider might compensate you with lower costs In Columbia, they had 166 auto thefts in 2013. These numbers are on the rise, but still fairly low. However, that doesn’t mean you should skimp on Comprehensive coverage for your vehicle.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allstate Allied Cal Casualty State Farm Safe Auto 102030405060708090100110$33$117$29$61$28$119$28$89$45$105


Your Credit Score

Based on your credit, an undesirable score can and likely will nearly double your rate per month. But motorists rich in credit ratings could possibly get bargains. In certain areas, there might be local companies that still offer reduced rates despite a bad credit score.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Allstate Allied Cal Casualty State Farm Safe Auto 10203040506070$32$46$26$39$22$48$22$54$40$74

Your Age

Sorry, motorists under the age of 25: you’re going to have a hard time finding a reasonable monthly rate until sometime after your 26th birthday. In the meantime, try to take advantage of as many discounts as you can, especially those given for good grades or for taking additional driving courses.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate Allied Cal Casualty State Farm Safe Auto 306090120150180210240$33$89$29$118$28Do Not Sell$28$100$45$259

Your Driving Record

The greater violations you’ve got in your record, the greater your chances will be to file auto insurance claims in Columbia, MO- that will lead your provider to ask you for more money. But when you’ve got a lot of citations, or commit a significant breach – like Drunk driving – you might lose your coverage altogether. Also, look around for Accident Forgiveness discount rates should you have only a couple of minor violations in your record.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Allied Cal Casualty State Farm Safe Auto 102030405060708090$33$38$43$46$29$41$92$46$28$33Do Not Sell$39$28$31$31$34$45$53$67$67


Your Vehicle

Costly luxury automobiles are not just more to insure simply because they are more expensive to repair. Chances are that you are likely to wish to safeguard such a costly vehicle with a lot more insurance coverage. And also the more coverage you purchase, the greater you’ll have to pay in rates.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Allied Cal Casualty State Farm Safe Auto 153045607590105120135150$33$158$29$61$28$135$28$115$45$124


Minor Car Insurance Factors in Columbia

Surprisingly, most people don’t know (or aren’t aware of how exactly) the following factors can influence their rates each month:

Your Marital Status

If you’re a part of a couple, there’s great news: it can save you cash on your automotive insurance plans should you bundle them together. As people, however, you will not save greatly being married versus having a single status.

Your Gender

Here’s an interesting question: which drivers get charged higher rates, men or women? Well, these days, that’s a difficult one to answer. Many companies don’t charge more or less based on gender alone. However, there may still be a 1-3% difference from some of the more old-fashioned insurance companies.

Your Driving Distance to Work

Columbia is renowned for its delightfully short commute times, which can also help you find the cheapest auto insurance. A typical commute should only last 12-18 minutes, on average. Nearly 75% of motorists will drive their own car, while anywhere from 3% to 13% prefer to carpool.

You can drive numerous miles each year, and for reasons uknown – driving more miles, or only commuting for pleasure will not create a huge dent inside your monthly premium. However, business automobiles have about 10% greater insurance costs.

Your Coverage and Deductibles

Getting all of the coverage you’ll need could be costly. This is exactly why some companies ask you for less monthly should you agree to lift up your deductible. However, make sure to conserve your funds away just in case of an emergency if you opt to follow this path.

Education in Columbia, MO

Another great way to save money on automobile insurance is to have higher education (even more so than having a good job or a really high salary). Residents of Columbia in particular are well-suited to take advantage of this, seeing as how more than 26% have a bachelor’s degree. 18% have achieved a high school diploma.

For Columbia residents looking to obtain a college degree, there are three different options to be taken advantage of. For starters, the University of Missouri (MU) is a public research university and enrolls nearly 34,000 students annually. For those seeking a private opportunity, there is also the Columbia College of Missouri. For women, there is Stephens College, a women’s college founded in the early 1800’s.

Obtaining inexpensive car insurance can easily become a hassle. There’s a lot of information you need to consider, and understanding the way in which insurance companies examine your possible risk can be complex. But try not to let the wrong insurance provider to convince you to buy a second-rate policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

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