Columbia, TN Car Insurance

How much can residents of Columbia expect to pay for their car insurance? How does Columbia compare to the surrounding area and the rest of Tennessee? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

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How much is car insurance in Columbia?

Auto insurance coverage in Columbia is about $5 cheaper than it is in the rest of Tennessee.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Columbia is rather affordable. It's about $33 cheaper to insure your vehicle in Columbia compared to the average rate for the United States as a whole.

Although these are the average rates for auto insurance in Columbia, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

But don't worry, we've broken down the average rate for Columbia residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $36 more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may start to rise again in Columbia.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less for car insurance than their male counterparts. This rings true in Columbia, where women pay around $6 less per month than men. Looking at the table above, you can see that female drivers pay around $46 on average, while male drivers typically pay $52 each month.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Columbia, a driving record with a single accident will usually get you a rate around $70 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $60 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

As you can see in the first table above, the cheapest vehicles to insure in Columbia are usually SUVs, which run about $44 per month.

Truck and van drivers will see rates of about $46, while the rates for car owners average out to about $51 per month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Columbia are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Overall, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Columbia is about $7 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $2 less than drivers who own property in Columbia. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Columbia, TN

Recent trends in car insurance for Columbia drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

Auto insurance rates in Columbia declined from 2017-2019, before steadying out in 2020. Policy premiums decreased again recently, hitting a low of $43 in 2022.

How does Columbia compare to neighboring areas?

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

There are a lot of factors car insurance companies will consider when choosing how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and will be influenced by things such as:

• Laws
• General road safety (how many accidents each locality has)
• Total number of drivers in the area
• Local crime rates
• Off-street parking availability

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Columbia?

While getting familiar with 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.

But wait! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies providing coverage in Columbia.

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Columbia Insurance FAQs

What factors affect car insurance quotes in Columbia?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Columbia or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.