Columbia, TN Car Insurance

The average cost for car insurance in Columbia is about $48 a month. For information on policy rates, coverage, and more check out our guide below.
What rates can residents of Columbia expect to pay for their car insurance? Compared to their surrounding area, how do rates in Columbia stack up? What about against the rest of Tennessee? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Columbia?

Area Average Monthly Car Insurance Premium
Columbia$48
TN$52
United States$80

As you can see in the chart above, it is around $4 a month cheaper to insure your vehicle in Columbia than it is in the rest of Tennessee.

If you're thinking of moving to Columbia from out of state, you may still be in luck. It's about $32 cheaper to insure your vehicle in Columbia compared to the average rate for the U.S. as a whole.

Although these are the average monthly costs for an auto insurance policy in Columbia, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Columbia so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$71
25-34$45
35-44$44
45-54$35
55-64$35
65+$35

It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates creep back up in Columbia.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$44

Car insurance rates for women are generally cheaper than they are for men. In Columbia, this difference shakes out to about $10 a month. Based on the chart above, you can see that female drivers pay around $44 on average, while male drivers typically pay $54 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$66
Multiple Accidents$67
1 Ticket$77
Multiple Tickets$100

Rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Columbia, having a single accident on your record will usually get you rates around $66 a month. Similarly, drivers with one ticket will typically pay around $77 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$44
2-3 Years$26
4-5 Years$64
6-7 Years$54
8-10 Years$49
11-14 Years$52
15 Years or Older$44

The cheapest vehicles to insure in Columbia are usually SUVs, with each type typically costing about $41 per month.

Truck and van drivers will see rates of about $46 for auto insurance, while car owners by and large pay around $51 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Columbia, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$53
Married$47
Divorced$31
Widowed$30

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Columbia is no exception, with the difference totaling to around $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$49
Rent$48
Live with parents$58

Another factor that comes into play is your living accommodations. Renters can expect to pay around $1 a month less than homeowners in Columbia. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.

Car Insurance Companies in Columbia, TN

Recent trends in car insurance for Columbia drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

Car insurance rates in Columbia went up from 2016-2017, when they reached a high of $56. This shifted in 2018, when they began to decrease again. They finished down in 2021, at $49 a month

How does Columbia compare to neighboring areas?

Why are car insurance rates in Columbia different from other areas?

There are many factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Crime
  • Road Safety (frequency of local car accidents)
  • Local laws
  • Off-street parking availability
  • Number of drivers in the area

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Columbia?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Columbia.

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Columbia Insurance FAQs

What factors affect car insurance quotes in Columbia?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Columbia different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Columbia?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Columbia?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Columbia or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes