The average cost of full coverage car insurance in Columbia, Missouri, is $1,450 a year, more than $130 lower than the state's average of $1,588. 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.
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.
Methodology & why you can trust our rates
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.
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 | $65/month | 890 |
State Farm | $79/month | 882 |
Farm Bureau | $88/month | -- |
Travelers | $95/month | 854 |
Auto-Owners Insurance | $98/month | 865 |
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 | $1,429 |
65203 | $1,431 |
65215 | $1,442 |
65216 | $1,445 |
65211 | $1,447 |
65202 | $1,453 |
65299 | $1,501 |
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 | Farm Bureau | Travelers | Auto-Owners Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,094 | $1,127 | $1,140 | $1,527 | $3,184 |
Suspended license | $1,383 | $1,048 | $1,307 | $1,648 | $2,824 |
Open container | $1,154 | $1,048 | $1,307 | $1,461 | $1,539 |
Expired registration | $994 | $1,048 | $1,057 | $1,461 | $1,193 |
Driving without lights | $994 | $1,048 | $1,057 | $1,438 | $1,539 |
Running a red light | $994 | $1,048 | $1,099 | $1,461 | $1,539 |
Following too closely | $994 | $1,048 | $1,099 | $1,461 | $1,539 |
Hit and run | $1,486 | $1,048 | $1,307 | $1,648 | $2,824 |
Not-at-fault accident | $837 | $970 | $1,057 | $1,231 | $1,193 |
Passing a school bus | $1,154 | $1,048 | $1,099 | $1,648 | $1,694 |
Reckless driving | $1,251 | $1,048 | $1,099 | $1,648 | $2,824 |
Cheapest car insurance for drivers with a DUI in Columbia, MO
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,048 |
Farm Bureau | $1,307 |
USAA | $1,437 |
Travelers | $1,648 |
Auto-Owners Insurance | $2,824 |
Cheapest car insurance for drivers with a speeding ticket in Columbia, MO
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $994 |
State Farm | $1,048 |
Farm Bureau | $1,099 |
Travelers | $1,648 |
Auto-Owners Insurance | $1,951 |
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 |
Farm Bureau | $1,778 |
State Farm | $1,842 |
Columbia Insurance | $1,955 |
Travelers | $2,058 |
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 $1,588, which breaks down to $132 per month.
