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.
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 Rates
- Columbia, SC Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Columbia, SC
- Multi Vehicle Insurance Savings in Columbia, SC
- How Credit Score Affects Car Insurance Rates in Columbia, SC
- How DUI Affects Auto Insurance Premiums in Columbia, SC
- Top Auto Insurance Agents Near Columbia, SC
- How Driving Violations Affect Auto Insurance Rates in Columbia, SC
- Columbia, SC Auto Insurance Discounts on Anti Theft Feature
- Columbia, SC Auto Insurance Company Reviews
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 FarmThey are great. I have had State Farm for about 10 years now. They are always helpful anytime I have a question or issue.
ProgressiveThe 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.
AllstateMy 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.
TravelersTravelers' 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.
TravelersTravelers' 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.
TravelersCoverage has been great and reasonable rates. They offer great discounts and have been quick to answer any questions that I may have.
AaaThe 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 InsuranceThe 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.
AaaAAA 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.
GeicoThere 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.