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Cheapest recent rates near Columbia, Missouri

Drivers in and around Columbia, Missouri have found policies from Liberty Mutual with RightTrack®, Allstate, Liberty Mutual, and more, through Insurify in the last few days.

Liability Only

• Quoted June 10, 2026

A Chillicothe, Missouri, driver just saved on coverage for their Chevrolet Impala with this quote from Liberty Mutual.

$54/mo*Find similar

• Quoted June 10, 2026

Liberty Mutual with RightTrack® helped a Lincoln Town CAR driver in Peculiar, Missouri, save on car insurance with this quote.

$43/mo*Find similar

• Updated June 7, 2026

State Farm's average rate for drivers with good credit and a clean driving record.

$53/mo*Find similar

• Quoted June 10, 2026

A De Soto, Missouri, driver just saved on coverage for their Mercedes Benz SLK-Class with this quote from Direct Auto.

$75/mo*Find similar

• Quoted June 10, 2026

GAINSCO helped a Chevrolet Impala Limited driver in Carrollton, Missouri, save on car insurance with this quote.

$78/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Chillicothe, Missouri, cover their Chevrolet Impala with this quote from National General.

$73/mo*Find similar

• Quoted June 10, 2026

A De Soto, Missouri, driver just saved on coverage for their Mercedes Benz SLK-Class with this quote from Dairyland.

$79/mo*Find similar

• Quoted June 10, 2026

Clearcover helped a Mercedes Benz SLK-Class driver in De Soto, Missouri, save on car insurance with this quote.

$71/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Jefferson City, Missouri, cover their Nissan Sentra with this quote from Bristol West.

$69/mo*Find similar

*Quotes generated for Insurify users in and around Columbia, Missouri within the last 10 days. Last updated on June 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

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Full Coverage

• Quoted June 10, 2026

Liberty Mutual helped a Buick Encore driver in Imperial, Missouri, save on car insurance with this quote.

$98/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Saint Louis, Missouri, cover their Chevrolet Malibu with this quote from Clearcover.

$121/mo*Find similar

• Updated June 7, 2026

Allstate's average rate for drivers with good credit and a clean driving record.

$142/mo*Find similar

• Quoted June 10, 2026

Liberty Mutual with RightTrack® helped a Chevrolet Equinox driver in Mexico, Missouri, save on car insurance with this quote.

$126/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Macks Creek, Missouri, cover their Ford Explorer with this quote from Root.

$131/mo*Find similar

• Quoted June 10, 2026

A Nixa, Missouri, driver just saved on coverage for their Chevrolet Spark with this quote from Bristol West.

$157/mo*Find similar

• Quoted June 10, 2026

Direct Auto helped a Nissan Rogue driver in Saint Charles, Missouri, save on car insurance with this quote.

$123/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Saint Charles, Missouri, cover their Nissan Rogue with this quote from National General.

$122/mo*Find similar

• Quoted June 10, 2026

A Cape Girardeau, Missouri, driver just saved on coverage for their Chevrolet Cruze with this quote from Dairyland.

$206/mo*Find similar

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Written byCatherine Collins

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Catherine Collins

• 13+ years creating insurance and personal finance content

• Published author in financial education

Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.

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Edited byDanny Smith

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Danny SmithInsurance Writer

• Licensed auto and home insurance agent

• 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Reviewed byDaniel Roccato

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Daniel RoccatoAdvisor

• 30+ years in financial services

• Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

UpdatedJune 14, 2026

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

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Columbia, Missouri, is a vibrant college town with a relatively low cost of living. If you live there or are considering moving there, you have many options for finding low-cost car insurance. Some of the cheapest insurers are USAA, Progressive, and State Farm, though others may better suit your needs.

The average monthly cost of auto insurance in Columbia is $80 for liability-only coverage and $161 for full coverage. The costs are generally a little cheaper than the state averages of $92 and $180, respectively.

Your car insurance costs will vary depending on your situation, deductible, coverage levels, and the number of vehicles on your policy. Always compare quotes before buying a policy.

Quick Facts

• Columbia drivers will find the cheapest liability-only and full-coverage auto insurance rates from USAA.

• Columbia had 15 traffic fatalities in 2023, according to the Missouri Coalition for Roadway Safety data.[1]

• Missouri is prone to natural disasters, such as ice storms, tornadoes, and flooding, which can lead to car insurance claims.

3 of the cheapest car insurance companies in Columbia

The best car insurance company for you will depend on your insurance needs and driving history, among various other factors.

USAA is a great choice for military members, veterans, and their families. State Farm is well-suited for many drivers, especially drivers looking for specialty coverage like rideshare insurance. Travelers is great for drivers looking to bundle their auto policies with other policies, like pet and home insurance.

Disclaimer: Table data is based on real-time Columbia quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

• Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

• Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for full coverage: USAA

full coverage](/content/car-insurance/companies/usaa/user-reviews-and-ratings/1/index.html)

Compare Quotes

| User Reviews | 4.9
3,785 reviews | | IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1/10 | | Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo | | Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $78/mo |

Details

Driver Reviews

4.9

Best choice in Columbia, MOBased on 3,785 verified driver reviews and ratings

Created with Highcharts 12.5.04.94.94.94.94.93.23.62.93.12.9USAA's scoreIndustry average0.01.53.04.56.0Coverage optionsCustomer serviceDiscountsPolicy transparencyValue

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best in Columbia for

Members of the military community

Outstanding customer service

Competitive rates

Showing 5 Missouri reviews for Columbia drivers See all 1,593 USAA reviews

James

Verified Review

USAA is great

Reviewed in Missouri on June 7, 2026

USAA is a good company, but you must be a service member, veteran, or a family member to apply.

William

Verified Review

Positive Feedback

Reviewed in Missouri on May 31, 2026

USAA has always been helpful and easy to work with.

Tammy

Verified Review

Great company

Reviewed in Missouri on January 4, 2026

Low rates, great coverage, and excellent claims assistance.

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Our Advice

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

759

NAIC Index Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA is a well-known and respected insurance company that’s been in business for more than 100 years. It has an AM Best financial strength rating of A++ (Superior) and is available in all 50 states. USAA has competitive prices for both liability-only and full-coverage car insurance in Missouri.

Pros

• AM Best financial strength rating of A++ (Superior) and very high customer satisfaction scores

• Some of the lowest car insurance prices in Missouri

Cons

• Only available to military members and their families

• Limited phone support

Best insurer for rideshare coverage: State Farm

Rideshare Coverage](/content/car-insurance/companies/state-farm/user-reviews-and-ratings/1/index.html)

Compare Quotes

| User Reviews | 4.1
18,712 reviews | | IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 | | Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo | | Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $93/mo |

Details

Driver Reviews

4.1

Best choice in Columbia, MOBased on 18,712 verified driver reviews and ratings

Created with Highcharts 12.5.04.14.33.93.93.73.23.62.93.12.9State Farm's scoreIndustry average0.01.22.43.64.8Coverage optionsCustomer serviceDiscountsPolicy transparencyValue

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Columbia for

Customer service

Competitive rates

Discounts for safe drivers

Showing 34 Missouri reviews for Columbia drivers See all 7,644 State Farm reviews

George

Verified Review

Well Pleased

Reviewed in Missouri on June 9, 2026

Very happy. I had a claim and they took care of everything.

James

Verified Review

Excellent

Reviewed in Missouri on June 4, 2026

Anything I needed, I just called, and they took care of it and called me back to say it was done.

Robert

Verified Review

State Farm... great, but inflexible and expensive.

Reviewed in Missouri on June 2, 2026

With State Farm, there is no provision for a driver who drives very little, say 2,500 miles per year, but still has to pay top rates.

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Our Advice

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

647

NAIC Index Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A++

Why we picked this company

Also very well-known and respected, State Farm offers low car insurance rates in Missouri. State Farm has an innovative app that allows you to turn on rideshare coverage when you’re working as a driver or making deliveries. This is helpful for college towns like Columbia, where many students might want to pick up a side gig.

Pros

• AM Best financial strength rating of A++ (Superior)

• App makes getting rideshare coverage easy

Cons

• Low ratings from the Better Business Bureau (BBB) and Trustpilot

• Not as many discounts as competitors

Best insurer for bundling: Travelers

Bundling](/content/car-insurance/companies/travelers/user-reviews-and-ratings/1/index.html)

Compare Quotes

| User Reviews | 4.6
1,557 reviews | | IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 | | Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $118/mo | | Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $230/mo |

Details

Driver Reviews

4.6

Best choice in Columbia, MOBased on 1,557 verified driver reviews and ratings

Created with Highcharts 12.5.04.64.64.34.64.33.23.62.93.12.9Travelers's scoreIndustry average0.01.53.04.56.0Coverage optionsCustomer serviceDiscountsPolicy transparencyValue

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

Based on analysis of verified reviews collected by Insurify

Best in Columbia for

Numerous discounts

Gap insurance

Rideshare coverage

Showing recent national reviews See all 617 Travelers reviews

Paul

Verified Review

Insurance

Reviewed in Pennsylvania on June 10, 2026

Excellent, good value.

Thomas

Verified Review

High Priced Lackluster Insurance

Reviewed in Ohio on June 9, 2026

Started with reasonable rates, then they raise them every year without any claims made. They have now priced themselves out of my marketability range.

Doug

Verified Review

Shop around. There are better deals out there.

Reviewed in New York on June 7, 2026

Mostly, I'm not happy with the agent representing Travelers, but I'm also not happy with the new prices! That's why I changed.

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Our Advice

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

NAIC Index Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

A++

Why we picked this company

Travelers Insurance has been in business for more than 165 years, with offices in the United States, Canada, and the U.K. Travelers is unique because it has many insurance offerings, including pet insurance, making it an ideal company for people who want to bundle insurance.

Pros

• AM Best financial strength rating of A++ (Superior)

• Many different insurance offerings for bundling

Cons

• More expensive than other competitors on this list

• Low ratings from Trustpilot

How to get the cheapest car insurance in Columbia

If you want to get the cheapest car insurance in Columbia, Missouri, here are a few tips:[2]

• Compare prices . Numerous car insurance companies serve Columbia. When shopping for insurance, get quotes from three to five car insurance companies to ensure you get the best rate for your circumstances.

• Select a safe vehicle. Operating a vehicle with high safety scores and important safety features could help reduce your car insurance costs.

• Bundle your insurance policies . If you already have home or renters insurance, ask your insurance company for quotes to add on car insurance. Many insurance companies will discount your car insurance when you purchase more than one type of insurance from them.

• Raise your deductible . If you want a lower car insurance rate, a straightforward way to get it is by raising your deductible — the amount you’re responsible for paying after an incident or accident before your insurance kicks in. Of course, make sure you have the amount of your deductible in savings, just in case.

Cheapest liability-only car insurance in Columbia

Liability-only car insurance only covers a third party’s property and injuries in the case of an accident. It won’t cover your own property damage or medical needs.[3]

Drivers who want to save on monthly car insurance costs would be a good fit for liability-only insurance, as long as they understand the risks of being underinsured in case of an accident. A liability-only policy can make sense if you drive an older, less-expensive vehicle that's paid for.

Generally, however, insurance professionals recommend carrying more than your state’s minimum required amount of liability insurance to protect yourself financially if you cause an accident. Liability-only policies in Columbia, Missouri, cost an average of $80 per month.

The below rates in Columbia, MO, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Columbia

Though more expensive than liability-only policies, full-coverage car insurance includes liability coverage and also pays for your own medical needs and property damages through collision and comprehensive coverage. It’s a good fit if you can’t or don’t want to pay for your own expenses out of pocket in case of an accident, which you’d have to do if you only had liability car insurance. And if you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage.

Full-coverage policies in Columbia, Missouri, cost an average of $161 per month.

The below rates in Columbia, MO, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Recent Insurify quotes for Columbia, Missouri drivers

Recent Columbia, Missouri car insurance prices for Ford, Honda, Nissan, and more.

Liability Only

• Quoted June 10, 2026

A Sarcoxie, Missouri, driver just saved on coverage for their Ford Focus with this quote from The General.

$64/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Moberly, Missouri, cover their Honda Civic with this quote from Root.

$61/mo*Find similar

• Quoted June 10, 2026

Insurify Car helped a Nissan Sentra driver in Jefferson City, Missouri, save on car insurance with this quote.

$23/week*Find similar

• Updated June 7, 2026

Allstate's average rate for drivers with good credit and a clean driving record.

$72/mo*Find similar

• Updated June 7, 2026

USAA's average rate for drivers with good credit and a clean driving record.

$46/mo*Find similar

• Updated June 7, 2026

Nationwide's average rate for drivers with good credit and a clean driving record.

$127/mo*Find similar

See more quotes See less quotes

Full Coverage

• Quoted June 10, 2026

GAINSCO helped a Ford Fusion driver in West Plains, Missouri, save on car insurance with this quote.

$159/mo*Find similar

• Quoted June 10, 2026

We just helped a driver in Joplin, Missouri, cover their Ford Focus with this quote from The General.

$208/mo*Find similar

• Updated June 7, 2026

State Farm's average rate for drivers with good credit and a clean driving record.

$105/mo*Find similar

• Updated June 7, 2026

USAA's average rate for drivers with good credit and a clean driving record.

$89/mo*Find similar

• Updated June 7, 2026

Liberty Mutual's average rate for drivers with good credit and a clean driving record.

$181/mo*Find similar

• Updated June 7, 2026

National General's average rate for drivers with good credit and a clean driving record.

$137/mo*Find similar

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Car insurance requirements in Missouri

Missouri law states that all vehicles, whether parked or driven, must have insurance. Drivers also must be able to present their insurance information when a police officer requests it. Like many states, Missouri has specific minimum requirements for car insurance. Drivers will likely need more than the minimum to be fully covered in case of an accident, however.

Here are the minimum coverage requirements in Missouri:[4]

Drivers should also consider getting the following optional coverages:

Collision coverage

Collision coverage will pay to repair or replace your vehicle if you cause an accident or collide with another object.

Comprehensive coverage

Comprehensive coverage pays to repair or replace your car if it’s damaged because of something other than an accident, such as theft, weather, flood, or vandalism.

Uninsured/underinsured motorist coverage

This coverage protects you if you’re hit by an uninsured or underinsured motorist who doesn’t have enough or any coverage to pay for damages.

Cheapest car insurance for drivers with an incident

If you have a clean driving record, it’s likely you’ll qualify for some of the best car insurance rates. However, if you have a driving incident on your driving record, you’ll typically have to pay more because insurance companies consider you a riskier driver.

Some examples of driving incidents include speeding tickets, driving under the influence, or being in at-fault accidents.

In Missouri, drivers with a DUI pay substantially more on average than those with a clean driving record. They also pay more per month on average than those with speeding tickets and at-fault accidents on their records.

Shop for Car Insurance in Columbia

Rates start at $41/mo. for minimum coverage

Enter your ZIP codeView My Quotes

Excellent

4.7 out of 5 based on 15,059 reviews

Secure. Free. Easy-to-use.

Cheapest car insurance for drivers with a speeding ticket: USAA

In Missouri, getting a speeding ticket while driving typically means an increase in auto premiums. Insurance companies consider you a riskier driver and, thus, more of a liability. So, it costs more for them to insure you. Here are the companies with the lowest average monthly liability rates for drivers with speeding tickets.

The average cost of car insurance for Columbia drivers with a speeding ticket is $99 per month for minimum coverage and $198 for full coverage.

The below rates in Columbia, MO, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Cheapest car insurance for drivers with an at-fault accident: USAA

If you have an at-fault accident while driving in Missouri, your car insurance premiums will likely go up. Here are the cheapest car insurance companies offering minimum coverage for drivers with accidents on their records.

The average cost of car insurance for Columbia drivers with an at-fault accident on record is $103 per month for minimum coverage.

The below rates in Columbia, MO, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Cheapest car insurance for drivers with a DUI: USAA

A DUI is a serious offense. Drivers can get a DUI for driving a motor vehicle under the influence of alcohol, recreational drugs, or prescription drugs.

Each state has different legal blood alcohol level (BAC) limits. Missouri uses the term “DWI,” meaning driving while intoxicated/impaired. In Missouri, the BAC limit is 0.08 for drivers older than 21 and 0.02 for drivers younger than 21.

Here are the cheapest liability-only quotes for Columbia, Missouri drivers with DUIs. The average cost of car insurance for Columbia drivers with a DUI on record is $102 per month for liability only and $206 for full coverage.

The below rates in Columbia, MO, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Cheapest car insurance for seniors: USAA

Older adults typically have lower car insurance rates because they’re considered experienced drivers. However, rates can go up after drivers reach age 70. Drivers 70 and older have a higher likelihood of death in a crash than drivers age 35 to 54, according to the Centers for Disease Control and Prevention. Here are the companies with the best auto insurance quotes in Columbia for senior drivers.

The average cost of car insurance for Columbia seniors is $136 per month for liability only and $136 for full coverage.

The below rates in Columbia, MO, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Cheapest car insurance for teens: USAA

Buying car insurance for teenagers is typically more expensive than purchasing insurance for adults. Teenage drivers lack driving experience and have a higher incidence of accidents, so insurance companies consider them riskier. The average cost of car insurance for teen drivers in Columbia is $278 per month for full coverage and $138 for liability only.

You can usually reduce the cost of a teenager’s driver’s insurance by keeping them on the family insurance policy, purchasing them a safe car, teaching them good driving habits, and utilizing discounts, like a good student discount.

The below rates in Columbia, MO, are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.

Find Cheap Car Insurance in Columbia

Minimum-coverage policies start at $74/mo. for Columbia teens

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 15,059 reviews

Secure. Free. Easy-to-use.

Columbia car insurance quotes by credit tier

Missouri is one of the many states where insurance companies can incorporate your credit history when calculating insurance rates. Insurify data shows drivers with excellent credit pay around $2,000 less per year than drivers with poor credit.

If you want to increase your credit score, you have a few ways to do so. Your payment history — whether or not you pay your bills on time — makes up the largest portion of your credit score (35%). The next largest portion of your score is amounts owed (30%). That reflects the amount of debt you have in relation to the amount of credit you have.[5]

Making payments on time and reducing your debt load are two ways to improve your credit if you want to qualify for cheaper car insurance rates.

Rates by Credit Tier

Created with Highcharts 12.5.0$189$223$246$381$0$120$240$360$480

Excellent

Good

Fair

Poor

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Columbia?

The national average cost of car insurance is $186 per month for full coverage and $98 for liability-only policies. Columbia's average car insurance rates are lower, at $161 and $80, respectively. The city’s averages are also lower than the Missouri state averages.

Car insurance rates vary by location, crime, and personal facts about drivers, such as age and driving history. If you move to another city in Missouri, your insurance rates may increase or decrease.

More cities in Missouri

Several other cities in Missouri have comparable car insurance rates to Columbia. Here is a list of other cities and how their average monthly car insurance rates compare to those in Columbia, Missouri.

)

Cheapest Car Insurance Quotes in Missouri

Columbia car insurance FAQs

Finding the best car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Columbia.

• Car insurance in Columbia costs $121 per month, on average. Drivers in the state pay $161 per month for full-coverage insurance and $80 per month for liability coverage.

The exact cost of your premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

• Columbia drivers will find the cheapest car insurance rates with USAA. The insurer's liability policies start at $41 per month.

Progressive and State Farm are the second- and third-cheapest auto insurers for Columbia drivers, with minimum-coverage rates as low as $43 and $47, respectively.

• With an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Columbia.

Of the insurers Insurify has rate data for, other top Columbia choices include USAA and Allstate.

• Driving without insurance in Missouri is illegal. If you’re caught driving without at least the minimum amount of required coverage, you could receive four points on your driving record, lose your license for up to a year, and pay up to $400 in reinstatement fees.[6]

• It depends. Medical payments cover your medical costs up to your policy limits. It typically covers you and any passengers in your car, regardless of who was at fault in an accident. While it may increase your premium costs, it can be worth it if you want to fully protect yourself and your passengers.

Sources

1. Missouri Coalition for Roadway Safety. "Missouri Traffic Fatalities."
2. Insurance Information Institute. "How to save money on car insurance."
3. Insurance Information Institute. "Auto Insurance Basics."
4. Missouri Department of Revenue. "Insurance Information."
5. Experian. "What Is a Good Credit Score?."
6. Missouri Department of Revenue. "Missouri Driver Responsibilities and Penalties."

Methodology

Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

• Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
• Property damage limits between $10,000 and $50,000
• No additional coverage

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

• Comprehensive coverage with a $1,000 deductible
• Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.