The average cost of full coverage car insurance in Columbia, Missouri, is $1,431 a year, more than $100 lower than the state's average of $1,568. Individual rates, however, can and will vary from driver to driver and depend on a number of personal factors, like age, address, credit score, and past driving history.
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USAA has the lowest average rate for full coverage car insurance in Columbia at $775 a year.
65201 is the ZIP code that offers the cheapest average car insurance rates in Columbia, at $1,409 a year.
Missouri requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability coverage, as well as $25,000 in property damage liability coverage. Missouri also requires uninsured/underinsured motorist coverage of $25,000 per person/$50,000 per incident.
Each car insurance company looks at a driver's age, past driving history, vehicle type, and ZIP code to determine the potential risk a driver presents, but different companies will charge different rates, even to identical drivers. It’s important to shop around for the best coverage that’s also the most affordable for your needs.
Where a driver lives will tell a car insurance company a lot about the risk or potential claims from a driver. Each ZIP code has a different crime level, population, frequency of traffic accidents or incidents, and available off-street parking.
Finding the right car insurance means finding a policy fits your needs and at an affordable price. It's important to consider the most important factors to you and compare all your options.
Cost: Different companies charge different rates for similar coverage, so it's important to compare quotes from multiple car insurance companies to find the best rate.
Coverage: Make sure the company you choose offers the coverage you need. Remember, the higher you set your limits, the better protected you’ll be
Customer service: Do a little research on the insurance company itself. Read customer reviews and check claim satisfaction ratings to see how the companies stack up.
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A driver's record can also have a big impact on current and future insurance rates. Any recorded violations can have an impact on a driver's potential insurance rates, but some violations are more costly than others. If you received a ticket or were convicted of another violation, reshopping your car insurance might save you money from a more lenient insurer.
A driver's credit score can also impact their car insurance rates — drivers in Columbia with lower credit scores can expect to pay higher car insurance rates.
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Car insurance is a legal requirement in almost every U.S. state. If you’re driving in Columbia, you need the following levels of insurance, according to Missouri law:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Uninsured motorist coverage per person: $25,000
Uninsured motorist coverage per accident: $50,000
Car insurance can be pricey, but it doesn't have to be a financial burden. Consider some of these tips to make sure you’re getting the most affordable coverage possible:
Find discounts for certain types of people, like students and members of the military, and bundling options if you buy multiple types of insurance from the same insurer
Drive safely and avoid moving violations
Improve your credit score with on time-payments
Review and reshop your car insurance every year to make sure you’re still getting the best rates
Credit scores fall on a scale that ranges from 300 to 850. Poor credit is usually anywhere between 500 and 600. Credit scores that are lower than 500 are considered very poor.
The state of Missouri does require drivers to carry uninsured/underinsured motorist coverage. The minimum requirement is $25,000 per person/$50,000 per incident.
Violations that involve alcohol or other substances often have the biggest impact on insurance rates. Reports that include DUI/DWI and driving with an open container are some of the most costly driving violations to have on your MVR.
Gender is one of many determining factors used by car insurance companies, and men sometimes pay slightly more than women for coverage. However, that also depends on factors like driving history and age — and in some states, companies aren’t allowed to use gender as a factor in your rates.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.