Columbia Auto Insurance Rates, Quotes, Agents & Reviews in SC

Columbia, SC Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Columbia, SC, 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.

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Factors that can influence the cost of car insurance in Columbia, SC 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, SC Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Columbia, SC with that of other cities in and around Columbia.

Columbia Dentsville Forest Acres Cayce Richland County West Columbia
Average Insurance Rates $1,000 $1,418 $1,493 $1,430 $1,103 $1,441

Columbia, SC 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, SC 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 $1,270 $1,073
Forest Acres $1,497 $1,264
Arcadia Lakes $1,890 $1,596
Woodfield $1,450 $1,225
Dentsville $1,645 $1,389
Cayce $1,964 $1,659
Richland County $1,533 $1,295
West Columbia $1,630 $1,377

Columbia, SC Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Columbia, SC 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 $3,245
20 Years $1,285
30 Years $990
40 Years $952
50 Years $882
60 Years $894
70 Years $1,041

Columbia, SC Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Columbia, SC 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 $1,720 $280
3 Vehicles $2,580 $420
4 Vehicles $3,440 $560

Savings on 2 Vehicles bundle:$280

Savings on 3 Vehicles bundle:$420

Savings on 4 Vehicles bundle:$560

Columbia, SC 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, SC.

Location Average Insurance Cost Post DUI Insurance Rate
Columbia $1,000 $1,511
Forest Acres $1,493 $2,256
Arcadia Lakes $1,598 $2,415
Woodfield $1,408 $2,127
Dentsville $1,418 $2,143
Cayce $1,430 $2,161
Richland County $1,103 $1,667
West Columbia $1,441 $2,177

Columbia, SC 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) $858
Excellent (740-799) $979
Good (670-739) $1,042
Average (580-669) $1,359
Poor (300-579) $1,631

Columbia, SC 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
Michael Farrell Allstate 611 Lady St Unit 100, Columbia, 29201 (803) 748-8188
Craig Plank State Farm 7401 Parklane Rd, Columbia, 29223-7617 803-788-8341
Adams Eaddy & Associates None 2230 Devine Street, Columbia, 29250 (803) 234-7777
Adams Eaddy & Associates Insurance Travelers 2230 DEVINE ST, COLUMBIA, 29205 803-254-9404
Amy Masincupp State Farm 612 Saint Andrews Rd Ste 16, Columbia, 29210-5120 803-772-5554
Trey Cantey Allstate 2000 Clemson Rd Ste 8, Columbia, 29229 (803) 699-5596
Charles Piercy State Farm 7626 Two Notch Rd, Columbia, 29223-6222 803-788-1200
James Tanner State Farm 1821 Clemson Rd Ste 1, Columbia, 29229-7832 803-865-7800
David A Perry & Associates Inc. Nationwide 2209 Augusta Rd, West Columbia, 29169 (803) 791-0617
Ernie Yarborough Jr Nationwide 1034 Briargate Circle, Columbia, 29210-6539 (803) 798-0692
Sauls Insurance Agency Travelers 4064 BELTLINE BLVD, COLUMBIA, 29204 803-256-8983

Columbia, SC 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 +$44 $1,044
Driver's Failure In Showing Documents +$97 $1,097
Driving With An Expired Registration +$103 $1,103
Driving At A Considerably Slow Pace +$217 $1,217
Using A Cellphone While Driving +$229 $1,229
Running A Red Light +$233 $1,233
Speeding +$245 $1,245
Driving A Vehicle Without The Required Permission +$311 $1,311
Driving With An Expired/Suspended License +$674 $1,674

Columbia, SC 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 $960
Active Disabling Device $960
Tracking Device $940
Passive Disabling Device $930

Latest Auto Insurance Reviews in Columbia, SC | Back to Top

State Farm
They are great. I have had State Farm for about 10 years now. They are always helpful anytime I have a question or issue.
The deductible options are not very competitive when compared to some of the lower cost offerings out there but again I do not mind since I have used the same deductable level since I started driving.
My agent is great. she is personable and quick to respond. she does not try to up sell me on anything and pretty much leaves me alone which is the level of contact i want.
Travelers' policy offerings compared to other providers is good - it's the lowest premiums, with the best coverage, of any 'established' company that I could find.
Travelers' policy offerings compared to other providers is good - it's the lowest premiums, with the best coverage, of any 'established' company that I could find.
Coverage has been great and reasonable rates. They offer great discounts and have been quick to answer any questions that I may have.
The offerings from my company are very competitive and do not lack anything that I was able to research from another provider. I have also found, particularly with bundling, that their prices are the best for myself.
Westfield Insurance
The company's customer service is great. They seem willing to help, and I have never been left hanging when I have an issue that requires assistancd.
AAA has always served me well and has been the only Auto Insurance that I trust with my needs. It has been the insurance provider for most members of my family since they began to own cars.
There really is nothing that I dislike with my insurance company. Their rates could be even lower if anything, especially for someone like myself who is a very careful and safe driver.