Columbia, MO Auto Insurance Rates

Columbia, MO residents can save $450 by comparing multiple quotes & reading reviews & research on Columbia car insurance rates, quotes, agents & coverage.

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$751 $1117 $2163

Latest Auto Insurance Reviews in Columbia, Missouri

State Farm
the deductible for my car insurance is the same as other insurance companies offer. the premium is better especially since i have both car and house insurance through the same company i get a good discount.
As long as you drive safely and pay attention they are fair with rates.
State Farm
My premium and deductible are a little more expensive that other companies. However, I feel okay with paying a little bit more to ensure that I will be treated in a competent and professional way if an accident happened.
My current auto insurance company offer exactly the same coverage with my old insurance company, there is no any difference in any term.
I would recommend allstate because my agent is there when i have questions. She is knowledgeable and helped my find a policy that fit my needs.
West Bend Mutual Insurance
We opted for a higher deductible and a lower premium based on our history of driving. We were satisfied with the offer compared to other companies. It was about 20 dollars lower each month than it's closest competitor.
West Bend Mutual Insurance
We opted for a higher deductible and a lower premium based on our history of driving. We were satisfied with the offer compared to other companies. It was about 20 dollars lower each month than it's closest competitor.
Ashley Swegle Agency
Actually there are very few things that I do not like I am 100% agree with them and I would love to last there are many more years
Ashley Swegle Agency
They are always very active at the time of attending because their workers are very helpful and always treat you with respect.
Liberty Mutual
The premium is high, and I never hear from them to review my policy or just to check in.
I called customer support not to long ago and they couldn't explain my predicament to my satisfaction. I did call for a claim about 6 years ago and was happy with the outcome. My wife had the car she left it in a parking lot and it was hit.
Farmer's Insurance
I'm satisfied with the auto portion of Farmers' insurance. They are always timely when I have inquiries even when my accident happened at 3am. I have no issues with glass repair also.
National General
I dislike that the company makes me add everyone in the house over the age of 14 to my claim. I feel like only the people driving the car should be on the insurance claim.
So far, I haven't found a single thing I dislike. The only thing I could say is the shady business practices that have been mentioned around their device that's supposed to lower your rate by viewing your driving habits. We were weary to try it because of hearing horror stories.
Write Your Review | Columbia, Missouri Auto Insurance Analysis
State Farm Auto Insurance, Columbia, MO
$85/1 month
Car Insurance Policy Holder
  • Single 18 Years old Male licensed <1 year ago with Own Chevrolet Silverado 1500 LTZ used for Business with estimated annual mileage of 7,501 - 9,000.
  • less than high school education & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $300K (Per Person Bodily Injury) / $300K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 400 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Columbia Car Insurance Rate Comparisons

Columbia, MO's average car insurance of $1117 differs from Missouri, MO">Huntsdale, MO (+$1143), Missouri, MO Car Insurance">Missouri, MO (+$103), Hallsville, MO (+$683) and Missouri, MO Car Insurance">Missouri, MO (+$521)

Columbia Huntsdale, MO Missouri, MO Hallsville, MO Missouri
Median Insurance Rates $1117 +$1143 +$103 +$683 +$521

Columbia Car Insurance Savings By Neighborhood & Street Area

Columbia Driver Street Residence & Car Locations Car Details in Columbia Columbia Driver Demographics Columbia Auto Insurance Estimates Recent Columbia Insurance Savings
Stapletown (historical)
N Drake Ln2008 Ford Fusion V6 SEL61 year female senior$1179$816
Elizabeth St2006 Buick Rendezvous CX25 year married woman$934$694
Godas Cir2006 Acura TSX Base25 year woman$1113$895
Wood Lake Ct2006 Chrysler 300 C43 year man$1593$945
Lenoir Ct2008 Mazda Speed 378 year male senior$1135$442
Wildrose Pl2009 Jeep Commander Limited17 year male teenager$3034$661
Smithton (historical)
Ponderosa St2014 Volkswagen Jetta S18 year teenager$2980$996
Gray Oak Dr2013 Honda Civic LX30 year married man$1228$558
Moores Switch
Pheasant Run2010 Lincoln MKZ 68 year senior$1288$597
Danforth Ct2011 Nissan Rogue SV16 year female teenager$2745$364

Columbia Post DUI Car Insurance Rates

Columbia Missouri Huntsdale Perche Missouri
Median Post DUI Insurance Rate $2077 +$192 +$2126 +$694 +$969
Male Teenager Post DUI Insurance Rate $6335 +$586 +$6485 +$2116 +$2955
Female Teenager Post DUI Insurance Rate $5213 +$482 +$5336 +$1741 +$2433

The Post DUI insurance in Columbia, MO's is $2077 compared to Missouri (+$192), Huntsdale (+$2126), Perche (+$694) and Missouri (+$969)

In Columbia, a male teenager with Post DUI pays $1122 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Acura TSX Base in Columbia, MO would pay $6789 on auto insurance while a female teenager POST DUI would pay $5587.

Columbia Car Insurance by Segment

Columbia Teenagers Car Insurance Rates Comparison

11729 Columbia Teenagers (10% of total population), 46% Male & 54% Female.

Columbia Hallsville McBaine Harrisburg Missouri
All Teenagers $3082 +$1886 +$3072 +$2327 +$1438
Male Teenager $3406 +$2084 +$3395 +$2572 +$1589
Female Teenager $2803 +$1715 +$2794 +$2116 +$1308

Columbia teenagers pay $3082 in insurance in contrast with Hallsville (+$1886), McBaine (+$3072), Harrisburg (+$2327) and Missouri (+$1438). The difference between Male & Female teenagers in Columbia is $603


  • 2013 Hyundai Sonata GLS Male Teenager Insurance Rate $3229
  • 2013 GMC Sierra 1500 SL Female Teenager Insurance Rate $2683

Columbia Men & Women Car Insurance

109008 Columbia Adults (100% of total population), 48% Men & 52% Women.

Columbia Hallsville Boone County Rock Bridge Missouri
All Women $1038 +$636 +$264 +$1063 +$485
Married Women $949 +$581 +$241 +$972 +$443
All Men $1563 +$957 +$397 +$1601 +$730
Married Men $1373 +$841 +$349 +$1406 +$641

The typical insurance rate of $1563 that Columbia Men pay varies from Hallsville (+$957), Boone County (+$397), Rock Bridge (+$1601) and Missouri (+$730). In Columbia, married men pay $424 more than married women.


  • 2010 Cadillac DTS Luxury Collection Married Men Insurance Rate $1361
  • 2014 Kia Sorento LX Married Women Insurance Rate $1217

Columbia Senior Car Insurance

13109 Columbia Seniors (12% of total population), 42% Senior Men & 58% Senior Women.

Columbia Missouri Perche Huntsdale Missouri
All Seniors $1217 +$112 +$407 +$1246 +$568
Senior Men $1172 +$109 +$392 +$1201 +$547
Senior Women $1262 +$116 +$421 +$1291 +$588

Columbia seniors pay $1217 in insurance compared to Missouri (+$112), Perche (+$407), Huntsdale (+$1246) and Missouri (+$568). In Columbia, senior men pay $90 less than senior women.

Columbia Car Insurance Discounts for Multiple Vehicles

Columbia Population with 1 Vehicle 15817 (37% of Columbia population), 2 Vehicles 17233 (40% of the Columbia population) and 3 vehicles 4896 (11% of the population)

Columbia Rocky Fork Jamestown Lupus Missouri
2 Vehicles $2123 +$974 +$2114 +$1924 +$990
3 Vehicles $3240 +$1487 +$3227 +$2937 +$1511
4 Vehicles $4357 +$2000 +$4340 +$3950 +$2032

Columbia Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Lexus, IS 350 $400 $1260 $1660 $1200 $1600 $60
Subaru, Forester 2.5X Limited $500 $1070 $1570 $1030 $1530 $40
GMC, Sierra 2500HD Work Truck $1000 $1180 $1680 $1130 $2130 $-450
Mercedes, CL600 $100 $1210 $1310 $1140 $1240 $70
Dodge, Durango Citadel $700 $1120 $1620 $1060 $1760 $-140