Cheapest Auto Insurance in Columbia, South Carolina (2026)
USAA offers the cheapest car insurance in Columbia, with minimum-coverage policies as low as $76 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
Columbia is the second-largest city in South Carolina, with a population of 139,698. Drivers in the state’s capital city pay $262 per month for full-coverage car insurance and $173 for liability-only policies, compared to the state averages of $227 for full coverage and $157 for liability only.
The city’s population and location in Richland County, the county with the third-highest crash rate in the state, are likely factors in its higher-than-average auto insurance costs.
Still, Columbia drivers can find affordable car insurance by comparing quotes from multiple insurers, driving safely, and choosing safe vehicles. Here’s what you need to know about finding cheap car insurance in Columbia.
Quick Facts
USAA, Auto-Owners, and State Farm are the cheapest car insurance companies in Columbia.
Nearly 11% of drivers in South Carolina are on the road without insurance, according to data from the Insurance Research Council.
Richland County had the third-highest number of collisions in the state in 2021, and the fourth-highest number of fatalities, according to data from the South Carolina Department of Public Safety.
3 of the cheapest car insurance companies in Columbia
When looking for cheap car insurance in Columbia, it’s important to remember that the right auto insurance company for you varies based on your unique needs as a driver and your financial situation. If you’re looking for affordable coverage, consider the following companies.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| USAA | 9.1 | $108 | $70 | Drivers with an accident |
| State Farm | 9.3 | $120 | $77 | Teen drivers |
| Hugo | 6.3 | $54 | $48 | Infrequent drivers |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest insurer for drivers with an accident: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.9
Best choice in Columbia, SCBased on 3,322 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Columbia for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Columbia for
Members of the military community
Outstanding customer service
Competitive rates
Showing 17 South Carolina reviews for Columbia drivers - See all 1,518 USAA reviews
Napoleon
Verified Review
USAA Praise Review
Reviewed in South Carolina on February 28, 2026
I've been with USAA for many years. I have no complaints. They handle claims quickly and are very easy to work with. I highly recommend them to my friends and family. Thank you, USAA.
Paul
Verified Review
Great claims handling
Reviewed in South Carolina on February 20, 2026
Whether it was an accident or a window replacement, the claim was handled very quickly and with no delay.
James
Verified Review
USAA OK!
Reviewed in South Carolina on January 14, 2026
USAA treats members fairly and respectfully.
Lewis
Verified Review
Watch your rates, they will double them for no reason.
Reviewed in South Carolina on January 13, 2026
Keep a close eye on them; they will steadily increase your prices. They doubled mine in 6 months, with no accidents or tickets.
Kelly
Verified Review
USAA has dropped off
Reviewed in South Carolina on January 13, 2026
USAA offers any coverage you could ask for. However, don’t expect them to handle claims efficiently. I'm sitting on one claim that’s just gotten to arbitration after 2 years.
Chris
Verified Review
USS-No way
Reviewed in South Carolina on December 14, 2025
Paying almost twice as much as other companies. I think they're punishing me for an accident where I was hit by a drunk driver and could have died. The car was totaled.
Fred
Verified Review
USAA lied about coverage
Reviewed in South Carolina on November 1, 2025
I've had USAA for 6 months. I was told an accident I had 3 years ago would be off my record by the time it renewed. I called back when I found out it did not and would not be for 2 more years. I was also told that the mileage tracker was just like a game and they knew nothing about my total mileage. Now I just don't trust anything they say!
Edward
Verified Review
USAA
Reviewed in South Carolina on October 27, 2025
It's too high.
Sandra
Verified Review
Not happy with Policy costs, Auto, Renters, Umbrella
Reviewed in South Carolina on October 25, 2025
I have been with USAA for years and the cost is very high compared to others. I am seriously thinking of changing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers all the standard coverage options, as well as uninsured and underinsured motorist coverage, personal injury protection (PIP) coverage, roadside assistance, and rental reimbursement. Eligible policyholders can earn significant discounts. Unfortunately, USAA only offers coverage for current, former, and reserve military members and their families.
Pros
Variety of discounts available, including good grade and multi-car discounts
You can file claims and make policy changes through the mobile app
Cons
Only available to military members, veterans, and their families
Low average Better Business Bureau (BBB) customer reviews
Cheapest insurer for teen drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
4.0
Best choice in Columbia, SCBased on 16,576 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Columbia for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Columbia for
Customer service
Competitive rates
Discounts for safe drivers
Showing 43 South Carolina reviews for Columbia drivers - See all 7,303 State Farm reviews
Harriett
Verified Review
Coverage Issues
Reviewed in South Carolina on March 31, 2026
They claim you don't have the coverages you paid for when you're in an accident. They like to say that full coverage isn't a thing, yet when making the policy, it is.
Cheryl
Verified Review
Disappointed I Got Dropped
Reviewed in South Carolina on March 25, 2026
They just dropped me as of the May 30, 2026 renewal period.
Justin
Verified Review
Good and Fair
Reviewed in South Carolina on March 22, 2026
Needs to have more discounts for having a policy with them, safe driving, and for a clean driving record.
Freddie
Verified Review
I think I can beat their price.
Reviewed in South Carolina on March 16, 2026
Customer service is excellent. I think their price is high.
Gary
Verified Review
They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.
Reviewed in South Carolina on March 5, 2026
They misinformed us about the homeowners insurance, saying we would have to renew the policy every year. I called and asked if our insurance was okay, and the guy I spoke with said it was fine. Our heat pump caught on fire due to a power surge, and when we filed a claim a few days later, the adjuster called and said we no longer had insurance. Apparently, it was canceled on February 14th. We tried to go in person to fix it, but our agent was out, so another guy was working on it and said he was trying to get ahold of Dover Insurance. We never heard from him. We called the next day, but the agent was busy. The receptionist said she would have him call in a few minutes, and he finally called back at 3:40. By this point, we found car and homeowners insurance elsewhere, and it was significantly cheaper. They were totally useless when we were trying to get the insurance reinstated. Oh, and because it was canceled, it was going to be a huge price to get it back. State Farm totally and completely dropped the ball. Very disappointed with that agency.
Robert
Verified Review
Average
Reviewed in South Carolina on February 28, 2026
They consistently increase rates.
Sheila
Verified Review
State Farm Insurance Not Worth the Cost
Reviewed in South Carolina on February 26, 2026
Very expensive and keeps going up in price, not worth it. Roadside assistance is also very expensive. You can't use the tow service because it only covers 10 miles, and then it's $200 for a tow after that. Overall, very much not worth it. I'm not happy with this company at all.
Barbara
Verified Review
Totally Disappointed
Reviewed in South Carolina on February 21, 2026
Just be aware that if you have claims beyond your control, they will non-renew your policy.
Shirley
Verified Review
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
Reviewed in South Carolina on February 16, 2026
I had a very good experience with them until my niece joined. She had too many accidents, so they discontinued my insurance. Same household, same insurance.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm provides the standard range of auto insurance options. It also offers uninsured and underinsured motorist coverage, medical payments coverage, rental insurance, rideshare coverage, and emergency roadside service. Savings specifically for teens include good student, driver training, and student-away-at-school discounts.
Pros
Significant savings possible when bundling auto with life or property insurance
Easy policy management with mobile app
Cons
Negative BBB reviews
No gap insurance coverage
Cheapest insurer for infrequent drivers: Hugo
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $199/mo |
4.6
Best choice in Columbia, SCBased on 202 verified driver reviews and ratings
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in Columbia for
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best in Columbia for
Micropayments
No down payments
Fast coverage
Showing recent national reviews - See all 66 Hugo reviews
Shelbi
Verified Purchase
Hugo Helps in a Flash
Reviewed in Illinois on March 21, 2026
I like that Hugo offers short-term plans. However, I wish they offered full coverage for vehicles.
Quincy
Verified Purchase
Great news
Reviewed in Pennsylvania on March 18, 2026
I like it, and it’s much easier to use the app to add cars than talking on the phone and waiting for your card to come in the mail.
Angela
Verified Purchase
Affordable
Reviewed in Texas on February 2, 2026
Love that you can pay it freely by the day, week, or month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Founded in 2021, Hugo sells usage-based insurance in 13 states, including South Carolina. You can purchase liability coverage for as few as three days at a time, but policy terms range up to six months.
Depending on the plan you choose, you can turn your coverage on and off so you only pay for coverage on the days you drive. Not for everyone, this pay-as-you-drive insurance works best for infrequent drivers like retirees, remote workers, and city dwellers.
Pros
Option to turn coverage on and off
No down payment or deposit required
Cons
Fewer coverage options than standard insurers
Not the cheapest option for daily drivers
How to get the cheapest car insurance in Columbia
When calculating car insurance rates, insurance companies consider elements such as your driving record, vehicle type, age, and credit score.
To help you find affordable car insurance coverage in Columbia, you should consider the following tactics for saving money:
Choose a high deductible. Opt for higher deductibles, as this can lower your premium.
Bundle your policies. You can qualify for multi-policy discounts by bundling your car insurance with other policies, such as homeowners or renters insurance.
Drive a safe vehicle. Many insurers offer discounts for vehicles with safety features.
Ask about discounts. Inquire about discounts for safety features in your car, such as anti-theft devices and airbags.
Compare insurers. Shop around and compare quotes from multiple insurance companies to ensure you get the best rate.
Find Car Insurance in Columbia, SC
Liability rates start at $76 per month
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Columbia: USAA
Liability-only car insurance provides coverage for any damages or injuries you cause others in an accident. It doesn’t provide coverage for your car. Rather, liability insurance includes bodily injury liability to cover medical expenses and legal costs for injuries to others, as well as property damage liability to cover repairs or replacement of damaged property.[1]
Liability insurance costs an average of $173 per month in Columbia.
The insurance companies that offer the cheapest liability-only car insurance policies for you depend on your driving history and other factors. The following table shows minimum coverage quotes from top insurers in Columbia.
The below rates in Columbia, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $76 |
| Auto-Owners | $81 |
| State Farm | $83 |
| GEICO | $117 |
| Nationwide | $122 |
| Allstate | $130 |
| Travelers | $140 |
| Progressive | $145 |
| Safeco | $153 |
| State Auto | $170 |
| National General | $175 |
| Root | $175 |
| Direct Auto | $184 |
| Dairyland | $194 |
| The General | $201 |
| Liberty Mutual | $205 |
| GAINSCO | $206 |
| AssuranceAmerica | $216 |
| First Acceptance | $235 |
| Bristol West | $280 |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Columbia: USAA
In addition to liability insurance, full-coverage insurance includes collision and comprehensive coverage. Collision coverage kicks in to cover repairs to your vehicle after a collision with another vehicle or object, while comprehensive coverage applies to damage from theft, vandalism, natural disaster, and other non-collision incidents.
Full coverage costs more than liability-only insurance but may be worth it if you drive an expensive vehicle. If you finance or lease your car, your lender or leasing company will require you to buy full coverage.
In Columbia, full-coverage car insurance averages $262 per month. Here are monthly quotes from some top insurers in Columbia.
The below rates in Columbia, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $125 |
| Auto-Owners | $133 |
| State Farm | $138 |
| GEICO | $181 |
| Safeco | $196 |
| Nationwide | $202 |
| Allstate | $215 |
| Progressive | $217 |
| Travelers | $230 |
| Root | $259 |
| National General | $260 |
| Direct Auto | $261 |
| State Auto | $280 |
| AssuranceAmerica | $304 |
| Liberty Mutual | $328 |
| First Acceptance | $370 |
| GAINSCO | $384 |
| Dairyland | $400 |
| The General | $429 |
| Bristol West | $468 |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Columbia, South Carolina
Recent Columbia, South Carolina car insurance prices for Honda, Lexus, Toyota , and more.
*Quotes generated for Insurify users in and around Columbia, South Carolina within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Columbia, South Carolina within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in South Carolina
Like most states, South Carolina law requires drivers to carry a minimum amount of car insurance. Specifically, you must have bodily injury liability, property damage liability, and uninsured motorist coverage.[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist | $25,000 per person / $50,000 per accident in bodily injury; $25,000 per accident in property damage |
Optional coverages in South Carolina include:
Collision coverage
Collision coverage pays for physical damage to your car resulting from colliding with an object, such as a tree or another vehicle. If the cost of repairing the car exceeds 75% of its actual cash value (ACV), the car likely qualifies as a total loss.
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle from various causes, including fire, vandalism, flooding, theft, and animals. It also includes coverage for broken glass and doesn’t typically require a deductible for safety glass repairs or replacements.[3]
Uninsured/underinsured motorist coverage
Uninsured motorist insurance covers your injuries or property damage if the at-fault driver’s coverage limits are too low to cover your damages or medical bills.
Cheapest car insurance for drivers with an incident
Most driving incidents go on your driving record and can affect your auto insurance rates. These include speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other moving violations. The presence of these incidents on your record can indicate a greater likelihood of filing an insurance claim.[4]
For example, the average cost of full-coverage car insurance for Columbia drivers with clean records is $262 per month. But drivers with infractions on their records pay an average of $308 per month for the same coverage.
Find Car Insurance in Columbia, SC
Monthly rates start at $203 for drivers with an incident
Excellent
4.7 out of 5 based on 13,063 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: USAA
Though less significant than an accident or DUI, speeding tickets can cause your car insurance costs to increase. Insurance companies view speeding as a risky behavior that increases the likelihood of accidents, so they adjust premiums accordingly.
In Columbia, the average cost of car insurance with a speeding ticket is $311 per month for full coverage and $206 for liability-only policies. The following table shows the cheapest rates for drivers with speeding tickets.
The below rates in Columbia, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $76 | $96 |
| Auto-Owners | $81 | $103 |
| State Farm | $83 | $103 |
| GEICO | $117 | $149 |
| Nationwide | $122 | $154 |
| Allstate | $130 | $165 |
| Travelers | $140 | $177 |
| Progressive | $145 | $172 |
| Safeco | $153 | $196 |
| State Auto | $170 | $221 |
| National General | $175 | $212 |
| Root | $175 | $228 |
| Direct Auto | $184 | $224 |
| Dairyland | $194 | $236 |
| The General | $201 | $262 |
| Liberty Mutual | $205 | $254 |
| GAINSCO | $206 | $239 |
| AssuranceAmerica | $216 | $268 |
| First Acceptance | $235 | $279 |
| Bristol West | $280 | $343 |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
At-fault accidents can lead to substantial increases in your car insurance costs. Insurance companies consider these accidents as an indication of higher risk, which results in elevated premiums.
Drivers with an at-fault accident in Columbia pay average car insurance costs of $333 per month for full coverage and $220 for liability only. Here are quotes from top insurers for Columbia drivers with at-fault accidents on their records.
The below rates in Columbia, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $76 | $100 |
| Auto-Owners | $81 | $105 |
| State Farm | $83 | $108 |
| GEICO | $117 | $149 |
| Nationwide | $122 | $161 |
| Allstate | $130 | $171 |
| Travelers | $140 | $185 |
| Progressive | $145 | $184 |
| Safeco | $153 | $210 |
| State Auto | $170 | $228 |
| National General | $175 | $228 |
| Root | $175 | $229 |
| Direct Auto | $184 | $246 |
| Dairyland | $194 | $252 |
| The General | $201 | $271 |
| Liberty Mutual | $205 | $267 |
| GAINSCO | $206 | $258 |
| AssuranceAmerica | $216 | $282 |
| First Acceptance | $235 | $299 |
| Bristol West | $280 | $361 |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Due to the severity of the offense, a DUI greatly affects car insurance costs. Insurance companies view DUIs as a significant red flag for bad driving behavior that can lead to filing future claims. If you have a DUI on your record, you can expect your insurance premiums to increase substantially.
In Columbia, car insurance for drivers with DUIs averages $422 per month for full coverage and $279 for liability only. Many companies in Columbia still provide affordable insurance for drivers with a DUI. Here are monthly quotes from some top insurance companies.
The below rates in Columbia, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $76 | $118 |
| Auto-Owners | $81 | $125 |
| State Farm | $83 | $129 |
| GEICO | $117 | $179 |
| Nationwide | $122 | $189 |
| Allstate | $130 | $201 |
| Travelers | $140 | $217 |
| Progressive | $145 | $233 |
| Safeco | $153 | $251 |
| State Auto | $170 | $248 |
| National General | $175 | $271 |
| Root | $175 | $272 |
| Direct Auto | $184 | $285 |
| Dairyland | $194 | $300 |
| The General | $201 | $311 |
| Liberty Mutual | $205 | $317 |
| GAINSCO | $206 | $319 |
| AssuranceAmerica | $216 | $334 |
| First Acceptance | $235 | $378 |
| Bristol West | $280 | $434 |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Car insurance rates typically decrease once drivers reach 25, thanks to more experience driving and reduced risky behavior. But insurance premiums tend to increase again slightly when drivers reach around age 70, partially due to potentially declining physical abilities and a heightened vulnerability to accidents.
Senior drivers in Columbia can still find affordable coverage. The average rate for full coverage for Columbia seniors is $230 per month, and liability-only policies average $152 per month, according to Insurify data. Here are average monthly quotes for senior drivers from some top insurance companies in Columbia.
The below rates in Columbia, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $102 | $62 |
| Auto-Owners | $106 | $65 |
| State Farm | $110 | $66 |
| GEICO | $145 | $94 |
| Nationwide | $156 | $94 |
| Safeco | $173 | $135 |
| Allstate | $176 | $107 |
| Travelers | $185 | $113 |
| Progressive | $191 | $128 |
| National General | $207 | $139 |
| Direct Auto | $213 | $150 |
| State Auto | $215 | $130 |
| Root | $219 | $148 |
| AssuranceAmerica | $240 | $170 |
| Liberty Mutual | $277 | $173 |
| First Acceptance | $325 | $207 |
| GAINSCO | $329 | $177 |
| Dairyland | $341 | $166 |
| The General | $364 | $171 |
| Bristol West | $393 | $235 |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Car insurance rates for teenage drivers are typically much higher than premiums for adults due to the increased risk associated with inexperienced drivers.
In Columbia, car insurance rates for teen drivers average $486 per month for full coverage and $321 for liability only.
To obtain the cheapest car insurance as a teen, consider staying on your parents’ insurance policy, as it often offers more favorable rates. You can also opt for a car with good safety features to lower insurance costs.[5] Lastly, you can qualify for a good student discount by maintaining good grades.
The below rates in Columbia, SC, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| USAA | $234 | $142 |
| Auto-Owners | $270 | $165 |
| State Farm | $271 | $163 |
| GEICO | $327 | $212 |
| Nationwide | $399 | $241 |
| Safeco | $399 | $312 |
| Progressive | $402 | $269 |
| Allstate | $430 | $260 |
| Root | $452 | $305 |
| Travelers | $483 | $294 |
| Direct Auto | $507 | $358 |
| National General | $532 | $358 |
| Liberty Mutual | $584 | $365 |
| AssuranceAmerica | $637 | $453 |
| First Acceptance | $686 | $436 |
| State Auto | $687 | $417 |
| Dairyland | $693 | $336 |
| GAINSCO | $708 | $380 |
| The General | $760 | $356 |
| Bristol West | $845 | $505 |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Columbia car insurance quotes by credit tier
In the state of South Carolina, car insurance companies can consider credit history when determining premiums. Having excellent or good credit scores can lead to lower rates, and poor credit scores generally result in higher rates.[6]
On average, South Carolina drivers with excellent credit pay $271 per month for coverage.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Columbia?
Car insurance rates vary by location, and Columbia, South Carolina, drivers have higher car insurance rates than the state’s average costs.
The average cost of minimum coverage in Columbia is $173, while full coverage averages $262 per month. By comparison, the state averages are $157 and $227.
More cities in South Carolina
“In pricing insurance, insurance companies rate coverage by state, city, and even down to the ZIP code level in larger municipalities,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute. “Specific location rating factors typically include weather hazards, accident frequency and severity, theft and vandalism rates, and the costs of repairs.”
The following table shows average monthly car insurance rates in other South Carolina cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Charleston | $260 | $181 |
| Greenville | $220 | $154 |
| Lexington | $235 | $147 |
| Myrtle Beach | $220 | $157 |
| North Charleston | $271 | $200 |
| Rock Hill | $236 | $155 |
| Summerville | $264 | $181 |
Disclaimer: Table data sourced from real-time Columbia car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Columbia may vary based on the policy buyer's unique driver profile.
Columbia car insurance FAQs
Finding affordable coverage doesn’t have to feel difficult. The information below should help you navigate the process of finding car insurance in Columbia, South Carolina.
How much is car insurance in Columbia?
On average, drivers in Columbia spend $262 per month for full-coverage insurance, while liability coverage comes in at $173 per month. Your actual rate will vary depending on multiple factors, including your ZIP code, gender, age, driving record, and more.
What company has the cheapest car insurance in Columbia?
USAA is the cheapest car insurance company in South Carolina, with liability rates starting at $76 per month. But USAA may not be an option for all drivers.
Columbia motorists can also find affordable coverage through Auto-Owners and State Farm, which have liability-only rates as low as $81 and $83 per month.
What are the best car insurance companies in Columbia?
With an A++ (Superior) rating from AM Best, an IQ Score of 9.1 out of 5, and cheap average rates, USAA is one of the best car insurance companies in Columbia. State Farm also earned an A++ rating from AM Best and also has a high IQ Score of 9.3.
How much car insurance do you need in South Carolina?
The state’s minimum requirements include $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 per accident in property damage liability, and uninsured motorist coverage equal to the bodily injury and property damage requirements. You need to at least carry the minimum required insurance to drive legally in the state.
Is South Carolina a no-fault state?
No. South Carolina is an at-fault, or tort, state, which means the driver responsible for an accident — typically through their insurer — must cover the costs of any property damage or injury they caused the other driver and their passengers.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- South Carolina Department of Insurance. "Automobile Insurance."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
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Jacqueline DeMarcoFreelance Insurance Writer
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.