The best car insurance in Columbia, MO

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Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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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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Ready to start shopping? Policygenius can compare rates from the top car insurance companies, and our experts are available to help you make the right choice.

Key takeaways

  • 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.

Cheapest car insurance companies in Columbia, MO

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.

Company

Average cost

JD Power Rating

USAA

$775

890

State Farm

$946

881

Missouri Farm Bureau

$1,104

--

Auto-Owners Insurance

$1,177

890

Travelers

$1,303

861

Cheapest car insurance rates by ZIP code in Columbia, MO

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.

ZIP code

Average cost

65201

$1,409

65202

$1,439

65203

$1,404

65211

$1,428

65215

$1,423

65216

$1,427

65299

$1,485

Choosing the right car insurance company in Columbia, MO

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.

Ready to start shopping? Policygenius can show you options from top car insurance companies and you can compare rates to be sure you’re making the right choice for your needs.

Car insurance rates for drivers with driving violations in Columbia, MO

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.

Violation

USAA

State Farm

Missouri Farm Bureau

Auto-Owners Insurance

Travelers

At-fault accident

$1,094

$1,119

$1,193

$3,173

$1,731

DUI

$1,437

$1,041

$1,371

$2,815

$1,861

Suspended license

$1,383

$1,041

$1,371

$2,815

$1,861

Open container

$1,154

$1,041

$1,371

$1,535

$1,662

Expired registration

$994

$1,041

$1,104

$1,190

$1,662

Driving without lights

$917

$1,041

$1,104

$1,535

$1,636

Not showing documents

$994

$1,041

$1,104

$1,190

$1,662

Running a red light

$994

$1,041

$1,104

$1,535

$1,662

Failure to yield

$994

$1,041

$1,104

$1,535

$1,662

Following too closely

$994

$1,041

$1,148

$1,535

$1,662

Hit and run

$1,486

$1,041

$1,371

$2,815

$1,861

Illegal turn

$994

$1,041

$1,148

$1,535

$1,682

Improper passing

$994

$1,041

$1,148

$1,689

$1,682

Not-at-fault accident

$837

$963

$1,104

$1,190

$1,410

Passing a school bus

$1,154

$1,041

$1,148

$1,689

$1,861

Racing

$1,437

$1,041

$1,371

$1,945

$1,861

Reckless driving

$1,154

$1,041

$1,148

$2,815

$1,861

Speeding

$994

$1,041

$1,148

$1,945

$1,861

Cheapest car insurance for drivers with bad credit in Columbia, MO

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.

Company

Rates for drivers with bad credit

USAA

$1,455

State Farm

$1,831

Missouri Farm Bureau

$1,860

Columbia Insurance

$1,955

Nationwide

$2,028

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Buying car insurance in Columbia, MO

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

How to get cheap car insurance in Columbia, MO

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

Frequently asked questions

Can you drive without car insurance in Missouri?

According to the Missouri Department of Revenue, there are multiple penalties if you are caught driving without insurance in Missouri. You will be assessed four points on your driving record and you'll be put under supervision, potentially even getting your license suspended.

Does Missouri require uninsured/underinsured motorist coverage?

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.

What kind of driving violations have the biggest impact on car insurance rates?

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.

How much is car insurance a month in Missouri?

The average annual insurance rate in Missouri is $1,568, which breaks down to $130.67 per month. Drivers in Columbia pay an average of $119.25 per month, which is $11.42 less than the state average.

Methodology

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.

Authors

Freelance contributor

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

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Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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