Discover the most cost-effective and highly-rated car insurance in Columbia by comparing more than 55 insurance providers, such as Progressive, Travelers, AAA, Nationwide (and others!).
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Reviewed by Josh Damico., Vice President of Insurance Operations.
Edited by Lina Zhang., Authorized Insurance Agent, Vice President of Operations.
How to discover the most affordable automobile insurance quotes in Columbia.
In Columbia, the mean.
Auto insurance.
Columbia motorists pay an additional 11% compared to the actual price, which amounts to approximately $148 per month for comprehensive insurance and the same amount for minimal liability coverage.
Tennessee.
Average.
In order to compensate drivers, that’s precisely why it provides the most affordable prices for all. There is not a solitary auto insurance firm that would undoubtedly ensure convenient shopping as it does.
Shop around.
And.
Compare quotes.
With absolute convenience, our authorized insurance agents can assist you in terminating your previous one as soon as you discover the desired policy at the appropriate price—and Jerry simplifies the process for motorists in Columbia, enabling them to locate the most optimal affordable auto insurance policy.
| Quote Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
|
July 17, 2023 |
Travelers |
$152 |
Aiden , 29 Zip: 38401 |
Chevrolet Cruze LS |
• State Minimum……….. Liability • Comp / Collision |
|
July 16, 2023 |
State Auto |
$68 |
Alan , 43 Zip: 38401 |
Honda Element EX |
• State Minimum……….. Liability |
|
July 15, 2023 |
Dairyland |
$155 |
Jose , 38 Zip: 38401 |
Dodge Avenger SE |
• 50,000/100,000. Liability • Comp / Collision |
|
July 3, 2023 |
Progressive |
$84 |
Carolyn , 49 Zip: 38401 |
Ford Fusion SEL |
• State Minimum……….. Liability • Comp / Collision |
|
June 30, 2023 |
Nationwide |
$164 |
Eliza , 41 Zip: 38401 |
Hyundai Elantra SE |
• 50,000/100,000. Liability • Comp / Collision |
Last Updated.
July 17,
How’d we get this data?
Jerry, a dedicated insurance agent licensed in your state, leads a team of over 100 licensed insurance agencies that are among the largest in the industry and provide customers with customer support available 7 days a week.
We are influenced by evaluations, not insurance companies. All 50 states in which we are licensed, our NPN: 18788611. Jerry works with Insurance Agency as their appointed broker, collaborating with 50 insurance companies.
Top auto insurance providers in Columbia.
Finding the right auto insurance policy depends on your needs as a driver, which means there is no single provider that offers the best rate for everyone. However, car insurance might not seem like a personal matter. Apart from cost, other factors like customer service and claims handling are also important when choosing an insurance carrier.
If you’re struggling to find the best car insurance company in Columbia and wanted to find out what the cheapest car insurance rates offered by the cheapest car insurance companies in Columbia are, we’ve made it easy for you by conducting the largest insurance shopping survey in the nation.
Our discoveries: Policyholders in Tennessee provided Bristol West,.
GEICO.
, And.
Travelers.
The highest prices for expense, client support, and claims handling.
After uncovering fresh car insurance policies with Jerry, here’s what Tennessee drivers have shared regarding their encounters with their insurers.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
|
Geico |
4.6 |
4.8 |
N/A |
4.6 |
|
State Farm |
4.2 |
3.7 |
4.6 |
4.4 |
| Progressive |
4.2 |
3.7 |
3.8 |
4 |
| Allstate |
4.1 |
4.3 |
N/A |
4 |
|
Farmers |
3.7 |
2.3 |
N/A |
3 |
How did we obtain these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Top affordable auto insurance quotes in Columbia.
Drivers in Columbia need to prove their financial responsibility before they can legally hit the road in the easiest way to purchase car insurance.
The minimum criteria set by the
In numerous instances, motorists can also take advantage of comprehensive coverage or other optional types of coverage.
Affordable quotes for minimum liability insurance in Columbia.
In Columbia, Tennessee, drivers must adhere to the state’s minimum car insurance standards. Here is a breakdown of the essential prerequisites:
$50,000 of physical harm responsibility for each occurrence.
If you are involved in an accident that causes damage to property or injury, it can leave you susceptible to significant expenses, but the easiest way to reduce monthly insurance payments is by purchasing liability coverage.
Here’s a glimpse of the prices Jerry users have discovered for the bare minimum insurance coverage in Columbia.
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Do you require more than the bare minimum insurance in Columbia?
In general, the majority of drivers would reap advantages from having more than the mandatory 25/50/25 liability insurance in Tennessee.
Furthermore, if you are deemed responsible for an accident, you would have to explore alternative methods of compensating for the injuries and damages incurred by others once this threshold is reached. It is important to note that more serious accidents can surpass these limits, which explains the need for additional measures.
Tennessee’s automobile collision regulations.
Your responsibility can stretch far beyond the initial collision, for a period of up to three years following the incident, motorists have the right to initiate legal action for harm to their property.
To ensure better financial protection, insurance professionals often suggest opting for higher liability limits, like 50/100/50 or 100/300/100.
Affordable comprehensive auto insurance quotes in Columbia.
Liability insurance will not provide coverage for damage to your vehicle – you would require collision and comprehensive insurance for that.
Comprehensive auto insurance coverage.
Generally refers to a policy that encompasses both.
Comprehensive.
And.
Collision coverage.
Collision insurance covers the cost of repairing or replacing your vehicle if it is involved in an accident with another vehicle or a stationary object. On the other hand, comprehensive insurance is designed to cover damages caused by non-collision-related incidents such as theft, severe weather, or animal-related damage.
If you decide to lease or finance a car, it is likely that your lenders will require you to maintain full coverage on your car for the duration of the loan.
Explore the prices that other drivers in Columbia have discovered for comprehensive car insurance with the assistance of Jerry.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
|
• State Minimum……….. Liability • Comp / Collision |
Progressive |
$84 |
Carolyn , 49 Zip: 38401 |
Ford Fusion SEL |
|
• 50,000/100,000. Liability • Comp / Collision |
Nationwide |
$164 |
Eliza , 41 Zip: 38401 |
Hyundai Elantra SE |
|
• 50,000/100,000. Liability • Comp / Collision |
National General |
$204 |
Harry , 41 Zip: 38401 |
Ford Fusion SE |
|
• State Minimum……….. Liability • Comp / Collision |
Electric |
$291 |
Ricky , 22 Zip: 38401 |
Volkswagen CC Sport |
|
• 50,000/100,000. Liability • Comp / Collision |
Dairyland |
$155 |
Jose , 38 Zip: 38401 |
Dodge Avenger SE |
Last Updated.
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Output insurance agent, you can easily find the right car insurance for your budget.
Insurance broker.
Like Jerry, you can find the coverage you need at the most affordable rates. There will be no unanswered questions as we provide end-to-end customer service 24/7, with over 100+ licensed insurance agents.
Average price of auto coverage in Columbia.
Columbia residents can expect to pay an average of $1,770 per year or $148 per month for full insurance coverage. After analyzing scores of insurance providers in Columbia, we have discovered that the average price for minimum liability coverage amounts to $1,770 per year or $148 per month.
It is crucial to consider that individual insurance premiums can be affected by factors like the type of vehicle, driving record, claims history, and other relevant demographics. Additionally, average insurance rates can provide a rough estimate of your own insurance expenses.
Compare the expenses of automobile insurance in different states.
Car insurance quotes in Columbia based on rating factors.
Drivers with a history of accidents or violations typically encounter elevated premiums compared to those with an unblemished record. This is determined by your driving history and past insurance claims.
Your demographic information, including your age, sex, and marital status, can all have an impact on the price of your insurance premiums.
Elements like increasing crime rates and higher population density contribute to elevated insurance expenses for city dwellers when compared to those residing in rural regions.
Your distance traveled: A high yearly distance traveled can lead to increased insurance expenses.
The brand/model of your vehicle: Luxury, sport, and high-performance cars generally have higher insurance costs because replacement components are more costly.
Your credit score: Positive credit scores are typically linked to reduced insurance rates, even for identical coverage.
How Do Various Factors Affect Your Auto Insurance Expenses in Columbia?
Permissible (with relevant restrictions): Sex, age, driving background, credit record, educational level, profession, employment situation, marital status, postal code, insurance background.
Prohibited (or effectively prohibited): Tennessee currently does not forbid any widely-used insurance rating factors when calculating insurance premiums.
Discover additional information about the factors that determine car insurance ratings in Columbia.
Affordable auto insurance quotes in Columbia following traffic infractions.
Your.
Tennessee driving history.
Your car insurance rate will undoubtedly be significantly affected. Accumulating too many violations could cause your insurance rate to skyrocket, so it is beneficial to practice safe driving by adhering to the rules of the road.
Some typical offenses that contribute to higher premiums include:
Operating a vehicle with a revoked license
Operating a vehicle without
Most affordable automobile insurance in Columbia following a fault accident.
If you have a record of too many at-fault accidents, insurers consider you a risky driver, which is why you’ll see why drivers with lower insurance rates pay more. This can lead to steep rate hikes in your car insurance company.
Spotless driving histories
If you recently had an accident and saw an increase in your car insurance rate, you might get better quotes for new car insurance by shopping around, as Columbia policyholders did.
Last Updated.
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The most affordable automobile insurance in Columbia following additional driving infractions.
You can expect that driving offenses will most likely result in an increase in your car insurance rate, but the precise effect will depend on the number of offenses you have committed and their seriousness. Reckless driving, driving with a suspended license, and other similar actions can impact your insurance rate.
Operating a vehicle without
Are all infractions that can raise auto insurance premiums in Columbia.
Here’s a glimpse at the rates Columbia drivers have discovered after different types of violations with assistance from Jerry:
Affordable auto insurance quotes in Columbia based on age.
Age isn’t everything, but it greatly affects the amount you pay for car insurance protection.
Safe drivers, who are young, experience the highest average car insurance premiums. Fortunately, this is a temporary situation as, for most of your adult life, you can generally anticipate a gradual decrease in your car insurance rates over time.
By the time you reach 75 years old, it is typically anticipated that car insurance expenses will increase once more.
Most affordable auto insurance in Columbia for young motorists.
Teen drivers.
Pay the highest premiums for auto insurance in Tennessee among all age demographics.
It may not be too surprising that some young drivers could qualify for this, given that teenagers are statistically more prone to being involved in accidents, in order to provide some compensation.
Excellent student discounts.
Or discounts on courses for defensive driving
It is also worth considering adding full coverage to a young driver’s policy, especially if they are driving a newer vehicle or a higher value one, due to the increased risk.
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Affordable auto insurance quotes in Columbia are determined by one’s insurance record.
Insurers will take into consideration how long you have been insured and whether you have any previous experience. Specifically, your insurance history and driving record will be significant factors in the eyes of insurance companies.
Gaps in insurance coverage
Jerry can help customers find savings on their car insurance regardless of their coverage. This is good news. Drivers who have had coverage lapses in the past or recent may face higher auto insurance rates.
Currently Insured…..
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Currently Insured…..
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Currently Insured…..
Coverage.
100,000.
Accidental physical harm.
Comprehensive/Collision.
Columbia, Tennessee (Postal Code:
Currently Insured…..
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Currently Insured…..
Coverage.
State Minimum………..
Columbia, Tennessee (Postal Code:
Over 3,500,000 customers and counting
Here’s what they have to say about their switch with Jerry: Turns out, they love it too! We adore saving our customers money and it appears that they have the same affinity for it.
Switching to National General was incredibly easy and it resulted in saving me over $100 per month! I’m delighted that I made the decision to change!
Courtney.
Received a fair price for my Tesla Model S from voyagers.
Kishore.
Amazing application for this tool and assisting me in saving money!
Aaron.
They were reasonably priced and incredibly friendly and reasonable.
Audrey.
Affordable auto insurance quotes in for drivers with low credit.
Even though, individuals with low credit scores frequently encounter increased insurance expenses in contrast to those with more robust credit ratings.
Credit scores.
Insurance companies have observed a relationship between increased frequency of claims filed and low credit, so it is important to understand how your driving can directly impact this.
Scores poorer with individuals to compared insurance car on less% 20 approximately pay will (550 below) scores credit great with drivers, generally.
Last Updated.
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Affordable automobile insurance quotes in Columbia for popular vehicles.
The cost of insuring and repairing your vehicle will increase based on its rarity, size, and value. The type of car you own can greatly affect your auto insurance premiums.
Vehicles that are favored by drivers in Columbia include:.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Nissan Altima | Progressive |
$110 |
Rosie , 23 Zip: 38401 |
• State Minimum……….. Liability • Comp / Collision |
Last Updated.
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Ways to reduce auto insurance expenses in Columbia.
1. Explore different stores and compare price estimates
Experts suggest that it is beneficial to shop for new rates and compare quotes from a minimum of three companies every six months to guarantee that you consistently possess the most cost-effective auto insurance. This is essential because the regulations regarding insurance are frequently evolving, and various insurance companies employ distinct criteria to establish your premium.
Jerry offers this service free of charge. Even more impressive, Jerry is capable of gathering quotes from over 55 leading insurance providers to assist you in finding the most suitable car insurance coverage at the most competitive rate in under a minute. Jerry streamlines this laborious process effortlessly!
2. Search for discounts on auto insurance.
Each insurance company provides.
A collection of discounts.
, But the specific discount provided varies depending on the company. Some typical discounts include:.
Good drivers are eligible for discounts on their insurance. In the state of California, the law mandates a 20% discount on insurance for responsible drivers who have held a continuously valid license for at least three years. Additionally, drivers with fewer than one point on their license are also eligible for this discount.
Telematics discounts are offered by many companies, providing easy-to-obtain discounts to drivers who utilize telematics to monitor their driving behaviors. Additionally, you may even be eligible for a discount solely by registering for the service!
If you maintain a B average or higher, your insurance provider might provide you with a discount. Are you enrolled as a full-time student in high school or college? Excellent student discounts are available.
3. Raise your deductible for comprehensive and collision insurance.
If you have obtained full car insurance coverage, increasing your deductible is an effortless way to keep your monthly expenses low without sacrificing coverage.
FAQ
What is the cost of car insurance in Columbia?
Which car insurance company offers the most affordable rates in Columbia?
What is the lowest car insurance coverage required in Columbia, Tennessee?
Which is the top-rated car insurance in Columbia?
Methodology.
The Insurance Research Team examines insurance products and services to generate insights and assist consumers in making well-informed buying choices.
Over the last 18 months, we thoroughly examined 85 providers and conducted a comprehensive survey of more than 15,000 clients in the most extensive insurance shopping study. We scrutinized more than 25 million quotes for automobile insurance in our insurance research.
We surveyed policyholders to gather experience with their insurers in the following areas: cost of insurance (1), customer service (2), buying insurance (3), renewing insurance (4), and making insurance claims (5). Additionally, we asked them what they liked about their insurers and what areas they could improve in, such as calculating average rates for auto insurance based on the characteristics of the driver, which include having a clean driving record, being insured, currently driving a single car, and being a single driver.
Please note that this article includes policies and quotes for customers who have not found any savings. Also, hidden in this information are personal details that have not been disclosed.
Team: The group is comprised of authorized insurance agents, experienced professionals in the insurance sector, and data analysts.
Meet our Experts
R.E. Fulton.
Experienced Insurance Writer and Editor.
R.E. Fulton. is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
From 2015 onwards, their contributions have consistently been featured in Nursing Clio, a history publication that undergoes peer review, where they hold the position of a managing editor. Prior to joining Jerry’s editorial team in 2021, R.E. Worked as a writing coach at the University of Rochester, the Rochester Institute of Technology (RIT), and Columbia University. Utilizing their expertise as a professional writer and digital publishing specialist, R.E. Brings forth their extensive experience of more than a decade, acting as a senior writer on Jerry’s editorial team.
Lina Zhang.
Certified Insurance Broker.
Licensed in all 50 states and Washington DC.
Lina Zhang. is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University. Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
Josh Damico.
Insurance Operations Manager.
Over 18 years of experience in
Josh Damico. is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
Drivers who switch using Jerry typically save more than $70 per month, on average. Additional factors that influence savings include driving record, policy features, location, vehicle type, and the extent of savings may vary. It is important to note that the pricing information provided in this article (including tables) is for illustrative purposes only, and not all customers may experience savings.