Best Car Insurance in Columbia 2021

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Car insurance in Columbia South Carolina costs single-car drivers an average of $3,421 annually, or about $285 per month. Compared to the state annual average of $3,167, auto insurance in Columbia is $254 higher.
Here’s how much real Jerry customers pay for insurance in Columbia:

Real quotes for Jerry customers in Columbia, South Carolina

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
August 23, 2021Hyundai Elantra SESC36National GeneralBasic$150/mo.$104/mo.
June 7, 2021Honda Accord EXSC26AllstateCurrent$272/mo.$154/mo.
August 10, 2021Dodge Ram 1500 STSC33ProgressiveCurrent$252/mo.$168/mo.
June 23, 2021Honda Accord EXSC26State AutoCurrent$272/mo.$178/mo.
June 3, 2021Nissan Altima 2.5SC23Assurance AmericaCurrent$300/mo.$256/mo.
The best way to secure the right plan for lower premiums in Columbia is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inColumbia have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Columbia, South Carolina

Insurance Company
Before Jerry
After Jerry
State Auto$2,979$1,892
Allstate$3,075$2,074
Travelers$3,374$2,129
Nationwide$3,764$2,231
National General$3,470$2,342
Dairyland$4,809$2,621
Safeco$3,951$2,677

Minimum coverage car insurance in Columbia

On average, the cost of minimum coverage car insurance in Columbia is $3,796 per year, or $316 per month.

The minimum level of car insurance required in Columbia is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Columbia:
Before Jerry
After Jerry
$2,372$1,387
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Progressive$3,084$1,816
National General$3,791$2,129
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Full coverage car insurance in Columbia

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Columbia:
Before Jerry
After Jerry
$3,651$2,010
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Nationwide$3,324$1,920
Progressive$4,038$2,262
National General$6,000$3,300
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How does your age affect your auto insurance cost in Columbia?

If you’re a driver under 25 in Columbia, you could be paying as much as $25 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Columbia saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
21-24$3,723$2,405
On the contrary, here’s how much drivers aged 25 and over in Columbia pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$3,711$2,195
35-44$2,815$1,903
45-54$3,595$2,256
55-64$3,271$1,940
65+$2,145$1,547

Cheapest car insurance for drivers in Columbia with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Columbia saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,972$1,504
Driving on Sus. License$2,808$1,626
Speeding over 15$4,955$1,997
Speeding under 15$4,792$2,279
Failure to Obey Traffic Sign$5,208$3,276
Improper Passing$4,020$3,402
Here’s how much drivers with a bad driving record in [Columbia saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
State Auto$2,531$1,583
Allstate$3,231$1,906
Travelers$3,310$1,922
Progressive$3,222$2,204
National General$3,882$2,494
Nationwide$3,413$2,571
Safeco$4,560$2,822

Cheapest car insurance for young drivers in Columbia with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,760$1,645
Failure to Obey Traffic Sign$6,396$3,150
Speeding over 15$6,396$3,150
Speeding under 15$6,396$3,150
Here’s how much young drivers with a bad driving record in [Columbia saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$2,304$1,314
State Auto$2,304$2,070
Progressive$3,427$2,204
Safeco$3,516$2,836
National General$5,839$3,505
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How can you save money on car insurance in Columbia

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Columbia you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 16, 2021Kia Rio EXSC35GainscoBasic$282/mo.$95/mo.
October 11, 2020Dodge Grand Caravan GTSC41Bristol WestPredicted$210/mo.$84/mo.
June 7, 2021Honda Accord EXSC26AllstateCurrent$272/mo.$154/mo.
June 23, 2021Honda Accord EXSC26State AutoCurrent$272/mo.$178/mo.
August 10, 2021Dodge Ram 1500 STSC33ProgressiveCurrent$252/mo.$168/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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