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Cheapest car insurance in Columbia, South Carolina

South Carolina requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of South Carolina →

Pulled directly from carrier rate filings for this city.

Columbia is a smaller market, 137,300 residents, so filed data can take longer to catch up when a carrier changes pricing. The spread here is wide, 48% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 19% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 Auto-OwnersFiled rate, credit/record adjusted $179.39
02 USAAFiled rate, credit/record adjusted $192.30
03 GEICOFiled rate, credit/record adjusted $233.95
04 TravelersFiled rate, credit/record adjusted $239.22
05 ProgressiveFiled rate, credit/record adjusted $272.49
06 AllstateFiled rate, credit/record adjusted $280.76
07 State FarmFiled rate, credit/record adjusted $344.82
Rate explainer
Why is your best rate $179.39 and not $209.31?

Columbia is priced against 7 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-8.52
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$48.19
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.