Columbia, MO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Columbia, MO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors Impacting Car Insurance in Columbia, MO
The average cost of car insurance in Columbia, MO, is $1,173. All drivers must have Columbia, Missouri, auto insurance. In the event of an accident, it can assist pay for repairs, medical expenses, and other expenses while also protecting you, other drivers, and pedestrians. Everyone wants the best insurance, but they are unaware that they may get better coverage for less money by doing little research before buying Columbia, MO, auto insurance. Your monthly auto insurance premium will depend on a number of variables that auto insurance companies take into account. Knowing their process makes it easier to choose the best bargain. This article will broadly overview Columbia, Missouri's auto insurance industry and discuss three factors impacting car insurance premiums.
1. Car Insurance Rates Based on the Driver's Age in Columbia, MO
Car insurance rates tend to be higher for younger drivers. This is because younger drivers are considered more of a risk on the road. They have less experience behind the wheel and are more likely to be involved in an accident. Insurance companies account for this by charging higher rates for younger drivers. For example, in Columbia, Missouri, teenagers spend $3,806 on auto insurance. In Columbia, Missouri, drivers over 40 pay $1,117 for auto insurance simultaneously.
2. Car Insurance Rates Post-DUI in Columbia, MO
If you're caught driving under the influence (DUI) in Columbia, MO, you can expect your car insurance rates to go up. Your rates could more than double. DUI is a serious offense. Not only do you face jail time and a hefty fine, but you also put yourself and others at risk when you get behind the wheel after drinking. Insurance companies view DUI offenders as high-risk drivers, and they charge accordingly. Currently, car insurance in Columbia costs an average of $1,173; after a DUI, these costs rise by $1,673.
3. Car Insurance Rates Based on Credit History in Columbia, MO
Car insurance rates in Columbia, MO, are based on credit history. Drivers with good credit will pay less for their car insurance than drivers with bad credit. This is because insurance companies use credit history to determine how likely drivers are to file a claim. Drivers with good credit are less likely to file a claim, so they are considered lower risk. For example, in Columbia, MO, car owners with excellent credit pay $1,149 for auto insurance, while those with poor credit must pay $1,913 for the same coverage. There are a few things drivers can take to lower their auto insurance costs. The first is to raise their credit score. Another is to compare prices from different vendors. Drivers should compare insurance quotes they receive from several companies. They should also search for any discounts they could be qualified for.
Factors that can influence the cost of car insurance in Columbia, MO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Columbia, MO Auto Insurance Rates
- Columbia, MO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Columbia, MO
- Multi Vehicle Insurance Savings in Columbia, MO
- How Credit Score Affects Car Insurance Rates in Columbia, MO
- How DUI Affects Auto Insurance Premiums in Columbia, MO
- Top Auto Insurance Agents Near Columbia, MO
- How Driving Violations Affect Auto Insurance Rates in Columbia, MO
- Columbia, MO Auto Insurance Discounts on Anti Theft Feature
- Columbia, MO Auto Insurance Company Reviews
Columbia, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Columbia, MO with that of other cities in and around Columbia.
| Columbia | Boone County | Katy | Pierpont | Rock Bridge | McBaine | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,173 | $1,470 | $1,532 | $1,544 | $1,622 | $2,007 |
Columbia, MO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Columbia, MO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Columbia | $2,930 | $2,475 |
| Missouri | $958 | $809 |
| Boone County | $1,739 | $1,469 |
| Pierpont | $1,246 | $1,053 |
| Rock Bridge | $1,321 | $1,116 |
| Katy | $1,581 | $1,335 |
| Huntsdale | $1,229 | $1,038 |
| McBaine | $2,058 | $1,738 |
Columbia, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Columbia, MO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,806 |
| 20 Years | $1,507 |
| 30 Years | $1,161 |
| 40 Years | $1,117 |
| 50 Years | $1,034 |
| 60 Years | $1,049 |
| 70 Years | $1,221 |
Columbia, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Columbia, MO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,018 | $328 |
| 3 Vehicles | $3,026 | $493 |
| 4 Vehicles | $4,035 | $657 |
Savings on 2 Vehicles bundle:$328
Savings on 3 Vehicles bundle:$493
Savings on 4 Vehicles bundle:$657
Columbia, MO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Columbia, MO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Columbia | $1,173 | $1,673 |
| Missouri | $1,527 | $2,178 |
| Boone County | $1,470 | $2,097 |
| Pierpont | $1,544 | $2,202 |
| Rock Bridge | $1,622 | $2,314 |
| Katy | $1,532 | $2,185 |
| Huntsdale | $1,418 | $2,023 |
| McBaine | $2,007 | $2,863 |
Columbia, MO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,006 |
| Excellent (740-799) | $1,149 |
| Good (670-739) | $1,222 |
| Average (580-669) | $1,595 |
| Poor (300-579) | $1,913 |
Columbia, MO Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Stephanie Wilmsmeyer | State Farm | 2609 E Broadway Ste 214, Columbia, 65201-6398 | 573-445-5774 |
| Phyllis Nichols | State Farm | 1006 West Blvd N, Columbia, 65203-2475 | 573-443-8727 |
| Dale Parker | State Farm | 503 E Nifong Blvd Ste A1, Columbia, 65201-3792 | 573-256-7744 |
| Daniel Boone Agency | None | 1817 W Broadway, Columbia, 65203 | None |
| Centennial General Agency | None | 601 W Nifong Blvd Ste 1B, Columbia, 65203 | None |
| Douglas Milner Lutcf | Farmers | 108 E Green Meadows Rd Ste 4, Columbia, 65203 | (573) 443-3196 |
| Cornerstone General Agency | None | 3100 Falling Leaf Ct Ste 200, Columbia, 65201 | None |
| Fred Vogel Insurance | None | 29 N 10Th St, Columbia, 65201 | None |
Columbia, MO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$52 | $1,225 |
| Driver's Failure In Showing Documents | +$114 | $1,287 |
| Driving With An Expired Registration | +$121 | $1,294 |
| Driving At A Considerably Slow Pace | +$255 | $1,428 |
| Using A Cellphone While Driving | +$269 | $1,442 |
| Running A Red Light | +$273 | $1,446 |
| Speeding | +$287 | $1,460 |
| Driving A Vehicle Without The Required Permission | +$365 | $1,538 |
| Driving With An Expired/Suspended License | +$791 | $1,964 |
Columbia, MO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,126 |
| Active Disabling Device | $1,126 |
| Tracking Device | $1,103 |
| Passive Disabling Device | $1,091 |
Latest Auto Insurance Reviews in Columbia, MO | Back to Top
State Farmthe 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.
AllstateAs long as you drive safely and pay attention they are fair with rates.
State FarmMy 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.
ProgressiveMy current auto insurance company offer exactly the same coverage with my old insurance company, there is no any difference in any term.
AllstateI 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 InsuranceWe 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 InsuranceWe 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 AgencyActually 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 AgencyThey are always very active at the time of attending because their workers are very helpful and always treat you with respect.
Liberty MutualThe premium is high, and I never hear from them to review my policy or just to check in.
MetlifeI 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 InsuranceI'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 GeneralI 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.
ProgressiveSo 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.