Finding out which company quotes the cheapest auto insurance rates in Columbia requires a tad more effort in order to find a policy that fits your budget. Each auto insurance company has their own formula to establish rates, so let's look at the rankings for the auto insurance companies with the overall cheapest rates in South Carolina.
It's a good idea to know that Columbia, SC auto insurance rates are influenced by many factors which can substantially change the policy premium. Simply getting older, buying a new vehicle, or having a fender bender can trigger price changes that may make certain companies cheaper than competitors.
The Hartford may have some of the lowest car insurance rates in Columbia at around $745 annually. This is $864 less than the average rate paid by South Carolina drivers of $1,609. USAA, State Auto, Auto-Owners, and Southern Farm Bureau would also make the list of some of the cheaper Columbia, SC insurance companies.
As depicted above, if you are currently insured with Auto-Owners and switched to USAA, you may see an annual savings of upwards of $116. South Carolina drivers with Southern Farm Bureau could save as much as $223 a year, and SC Farm Bureau Mutual policyholders might realize rate reductions of up to $261 a year.
To discover how much you can save, click here to get a free quote or visit any of the low-priced companies below.
Remember that these policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific zip code in Columbia. So the insurer that can offer the best rates for your situation may not even be in the top 18 companies in the list above. That emphasizes why you need to compare rates from multiple companies using your own individual information.
One of the more important criteria that are looked at to help calculate auto insurance rates is where you keep your vehicle in Columbia. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims receive better rates.
The table below shows the most expensive places in South Carolina in which to purchase auto insurance. Columbia shows up at #10 with the yearly price of $1,189 for the average insurance policy, which is around $99 per month.
|Rank||City||Average Per Year|
|13||Hilton Head Island||$1,127|
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Annual rates are approximated as the specific area where the vehicle is garaged can revise prices significantly.
The type of vehicle driven is a large factor that determines the availability of the best cheap car insurance in Columbia. Vehicles with limited speed and performance, good crash test ratings, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models. The information below showcases insurance costs for a number of the most budget-friendly automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Dodge Grand Caravan SE||$1,126|
|Ford Escape XLS 2WD||$1,151|
|Honda CR-V EX 4WD||$1,176|
|Chevrolet Silverado LT Extended Cab 4WD||$1,190|
|Ford Explorer Eddie Bauer 4WD||$1,212|
|Toyota Tacoma Double Cab 4WD||$1,217|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,228|
|Honda Accord EX-L 4-Dr Sedan||$1,246|
|Honda Odyssey EX-L||$1,251|
|Ford F-150 XL Super Cab 4WD||$1,292|
|Volkswagen Jetta 2.0T Station Wagon||$1,342|
|Kia Optima EX||$1,360|
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in zip code location which can increase or decrease coverage prices noticeably.
Based upon these rates, cars like the Toyota Prius, Dodge Grand Caravan, Ford Escape, and Honda CR-V will be the cheapest vehicles to insure for drivers in Columbia.
Drive safe and save
The ideal way to maintain the cheapest insurance prices in South Carolina for drivers in Columbia is to be a careful driver and avoid getting tickets or having accidents. The illustration below illustrates how traffic citations and at-fault fender-benders can drive up auto insurance costs for different age categories. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
In the chart above, the average cost of car insurance per year with no accidents or violations is $2,232. Receive two speeding tickets and the average cost swells to $3,093, an increase of $861 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of insurance in Columbia increases to an average of $6,173. That's an increase of $3,941, or $328 per month, just for being a little careless behind the wheel!