- Average car insurance cost in Columbia is $1,926 per year, or $161 per month, for a full-coverage policy.
- Car insurance rates for a few popular models in Columbia include the Honda Accord at $155 per month, Ram Truck at $186, and GMC Sierra at $177.
- Compact models like the Buick Encore, Hyundai Venue, and Chevrolet Trailblazer are our top picks for having cheap car insurance in Columbia.
What is average car insurance cost in Columbia?
The average car insurance expense in Columbia is $1,926 per year, which is 2.3% more than the overall national average rate of $1,883 per year. The average monthly cost of car insurance in Columbia is $161 for a full-coverage car insurance policy.
The average car insurance cost in Missouri is $2,132 per year, so Columbia, MO, drivers pay an average of $206 less per year than the overall Missouri state-wide average rate. When rates are compared to other locations in Missouri, the cost to insure a vehicle in Columbia is approximately $24 per year less than in Springfield, $210 per year less than in Independence, and $862 per year less than in St. Louis.
The next chart shows examples of average Columbia car insurance cost. Rates are averaged for all Columbia Zip Codes and shown based on a variety of different driver ages, policy deductibles, and risk profiles.
Average rates in the chart range from $1,598 per year for a 40-year-old driver who qualifies for a discount rate to $4,428 per year for a 20-year-old driver who has a subpar driving record and has to buy high risk car insurance. The rate used in this article for comparison of different models and locations is the 40-year-old safe driver rate, which is an average cost of $1,926 per year in Columbia.
As a monthly price, average car insurance cost in Columbia ranges from $133 to $369 for the same driver ages and deductibles shown in the previous chart.
The age of the rated driver has the single biggest impact on the price you pay for auto insurance. The list below details how driver age influences cost by breaking down average car insurance rates in Columbia for driver ages from 16 to 60.
Columbia car insurance cost by driver age
- 16-year-old rated driver – $6,855 per year or $571 per month
- 17-year-old rated driver – $6,642 per year or $554 per month
- 18-year-old rated driver – $5,954 per year or $496 per month
- 19-year-old rated driver – $5,420 per year or $452 per month
- 20-year-old rated driver – $3,876 per year or $323 per month
- 30-year-old rated driver – $2,054 per year or $171 per month
- 40-year-old rated driver – $1,926 per year or $161 per month
- 50-year-old rated driver – $1,704 per year or $142 per month
- 60-year-old rated driver – $1,598 per year or $133 per month
The previous rates shown for average cost of car insurance for teen drivers used a male as the rated driver. The next chart breaks out the average cost for car insurance for teen drivers in Columbia by gender. Females are generally slightly cheaper to insure than males, notably at younger ages.
Car insurance for a female 16-year-old driver in Columbia costs an average of $453 less per year than the cost to insure a 16-year-old male driver, while at age 19, the cost difference is much less but is still $839 per year cheaper for females.
Most popular vehicles in Columbia, MO
The rates referenced above take the cost to insure each 2024 vehicle model and average them, which is handy when making overall comparisons like the average cost difference for different locations or driver risk profiles.
Average auto insurance rates are a good metric for getting the answer to questions like “is car insurance cheaper in Columbia or Kansas City?” or “are car insurance rates in Missouri cheaper than in New York?”.
But for more comprehensive auto insurance comparisons, we get better data if we perform a rate analysis for the specific vehicle being insured. Every make and model has it’s own unique characteristics for rating purposes and this data allows us to make detailed cost analysis.
The following list displays both annual and monthly car insurance rates for the more popular vehicles that you’ll see on the streets of Columbia. Later on in this article, we will cover insurance cost for some of these models even more in-depth.
Auto insurance cost for popular models in Columbia
- Honda Accord – $1,994 per year ($166 per month)
- Ram Truck – $2,388 per year ($199 per month)
- GMC Sierra – $2,280 per year ($190 per month)
- Nissan Rogue – $1,852 per year ($154 per month)
- Chevrolet Equinox – $1,897 per year ($158 per month)
- Toyota Highlander – $1,879 per year ($157 per month)
- Subaru Outback – $1,758 per year ($147 per month)
- Toyota Corolla – $2,012 per year ($168 per month)
- Toyota RAV4 – $1,902 per year ($159 per month)
- Nissan Sentra – $1,889 per year ($157 per month)
What are the cheapest vehicles to insure in Columbia?
When all vehicles are compared, the models with the cheapest average car insurance rates in Columbia tend to be crossover SUVs like the Kia Soul, Subaru Crosstrek, and Hyundai Venue. Average auto insurance rates for those compact SUVs cost $140 or less per month for full coverage car insurance.
Other vehicles that rank well in our auto insurance cost comparison are the Buick Encore, Volkswagen Tiguan, Ford Bronco Sport, and Subaru Outback. Insurance is a little bit more for those models than the cheapest compact SUVs and crossovers that rank at the top, but they still have an average insurance cost of $1,770 or less per year ($147 per month) in Columbia.
The following table details the 20 car, truck, and SUV models with the cheapest auto insurance in Columbia, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,420 | $118 |
| 2 | Chevrolet Trailblazer | $1,448 | $121 |
| 3 | Kia Soul | $1,502 | $125 |
| 4 | Nissan Kicks | $1,516 | $126 |
| 5 | Honda Passport | $1,532 | $128 |
| 6 | Buick Envision | $1,542 | $129 |
| 7 | Toyota Corolla Cross | $1,550 | $129 |
| 8 | Hyundai Venue | $1,564 | $130 |
| 9 | Mazda CX-5 | $1,570 | $131 |
| 10 | Ford Bronco Sport | $1,578 | $132 |
| 11 | Volkswagen Tiguan | $1,592 | $133 |
| 12 | Acura RDX | $1,608 | $134 |
| 13 | Nissan Murano | $1,618 | $135 |
| 14 | Buick Encore | $1,634 | $136 |
| 15 | Subaru Outback | $1,638 | $137 |
| 16 | Honda CR-V | $1,642 | $137 |
| 17 | Buick Envista | $1,644 | $137 |
| 18 | Chevrolet Colorado | $1,648 | $137 |
| 19 | Volkswagen Taos | $1,648 | $137 |
| 20 | Kia Niro | $1,650 | $138 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Columbia, MO Zip Codes. Updated February 23, 2024
A list of 20 vehicle models with cheap Columbia car insurance serves the purpose if you’re just looking for any vehicle with cheap insurance rates. A more efficient way to group and rank rates in a practical manner is by sorting them by vehicle segment. The following sections list the vehicles with the most affordable car insurance rates for each of the primary vehicle segments.
Cheapest car insurance rates in Columbia, Missouri
The three top-ranked sedans and hatchbacks with the most affordable average insurance rates in Columbia are the Toyota GR Corolla at $1,672 per year, the Nissan Leaf at $1,684 per year, and the Honda Civic at $1,702 per year.
Some other cars that rank well in our comparison include the Kia K5, Chevrolet Malibu, Honda Accord, and Hyundai Ioniq 6, with average cost of $1,866 per year or less.
Full-coverage car insurance in Columbia for this segment starts at an average of $139 per month, depending on your location and insurance company.
The cheapest non-luxury compact car to insure in Columbia is the Toyota GR Corolla at $1,672 per year. For midsize models, the Hyundai Ioniq 6 is cheapest to insure at $1,768 per year. And for full-size sedans, the Chrysler 300 is cheapest to insure at $1,826 per year.
The comparison table below ranks the cars with the cheapest insurance rates in Columbia.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,672 | $139 |
| Nissan Leaf | Compact | $1,684 | $140 |
| Honda Civic | Compact | $1,702 | $142 |
| Nissan Sentra | Compact | $1,764 | $147 |
| Subaru Impreza | Compact | $1,766 | $147 |
| Hyundai Ioniq 6 | Midsize | $1,768 | $147 |
| Toyota Prius | Compact | $1,798 | $150 |
| Kia K5 | Midsize | $1,854 | $155 |
| Honda Accord | Midsize | $1,858 | $155 |
| Chevrolet Malibu | Midsize | $1,866 | $156 |
| Toyota Corolla | Compact | $1,878 | $157 |
| Kia Forte | Compact | $1,880 | $157 |
| Volkswagen Arteon | Midsize | $1,892 | $158 |
| Nissan Versa | Compact | $1,896 | $158 |
| Subaru Legacy | Midsize | $1,898 | $158 |
| Mitsubishi Mirage G4 | Compact | $1,942 | $162 |
| Hyundai Sonata | Midsize | $1,948 | $162 |
| Toyota Crown | Midsize | $1,948 | $162 |
| Volkswagen Jetta | Compact | $1,948 | $162 |
| Mazda 3 | Compact | $1,990 | $166 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Columbia, MO Zip Codes. Updated February 23, 2024
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see your car in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Missouri.
SUVs with affordable car insurance in Columbia
Ranking at the top of the list for the most affordable Columbia auto insurance rates in the SUV segment (excluding luxury models) are the Nissan Kicks, Chevrolet Trailblazer, Honda Passport, Subaru Crosstrek, and Kia Soul. Car insurance quotes for these vehicles average $1,532 or less per year.
Not the cheapest SUVs to insure, but still affordable, are SUVs like the Buick Envision, Ford Bronco Sport, Mazda CX-5, and Toyota Corolla Cross, with an average car insurance cost of $1,578 per year or less.
Additional 2024 models that made the list include the Volkswagen Taos, Honda CR-V, Buick Envista, and Honda HR-V, which cost between $1,578 and $1,672 per year for auto insurance in Columbia.
From a monthly standpoint, auto insurance on this segment in Columbia for an average middle-age driver starts at around $118 per month, depending on where you live.
The most budget-friendly non-luxury compact SUV to insure in Columbia is the Subaru Crosstrek at $1,420 per year. For midsize 2024 SUV models, the Honda Passport is the cheapest model to insure at $1,532 per year. And for large SUVs, the Chevrolet Tahoe has the best rates at $1,808 per year.
The rate comparison table below ranks the twenty SUVs with the most affordable car insurance in Columbia, starting with the Subaru Crosstrek at $118 per month and ending with the Honda HR-V at $139 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,420 | $118 |
| Chevrolet Trailblazer | Compact | $1,448 | $121 |
| Kia Soul | Compact | $1,502 | $125 |
| Nissan Kicks | Compact | $1,516 | $126 |
| Honda Passport | Midsize | $1,532 | $128 |
| Buick Envision | Compact | $1,542 | $129 |
| Toyota Corolla Cross | Compact | $1,550 | $129 |
| Hyundai Venue | Compact | $1,564 | $130 |
| Mazda CX-5 | Compact | $1,570 | $131 |
| Ford Bronco Sport | Compact | $1,578 | $132 |
| Volkswagen Tiguan | Compact | $1,592 | $133 |
| Nissan Murano | Midsize | $1,618 | $135 |
| Buick Encore | Compact | $1,634 | $136 |
| Subaru Outback | Midsize | $1,638 | $137 |
| Honda CR-V | Compact | $1,642 | $137 |
| Buick Envista | Midsize | $1,644 | $137 |
| Volkswagen Taos | Compact | $1,648 | $137 |
| Kia Niro | Compact | $1,650 | $138 |
| Honda HR-V | Compact | $1,672 | $139 |
| Subaru Ascent | Midsize | $1,674 | $140 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Columbia, MO Zip Codes. Updated February 23, 2024
For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see insurance rates for your SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Missouri.
Cheap luxury car insurance rates in Columbia, MO
Ranking in the top five for the cheapest Columbia auto insurance rates in the luxury car segment are the BMW 330i, Acura TLX, Mercedes-Benz CLA250, Acura Integra, and Lexus IS 300. Auto insurance quotes for these 2024 models average $166 or less per month.
Also ranking well are cars like the Genesis G70, Cadillac CT4, Lexus RC 300, and Lexus ES 350, with average rates of $2,022 per year or less.
Ranked lower than 10th place, but still in the top 20, cars like the Lexus ES 250, Lexus IS 350, Jaguar XF, BMW 230i, and Lexus RC 350 cost between $2,022 and $2,158 per year for auto insurance.
From a monthly standpoint, auto insurance in Columbia on this segment for a middle-age safe driver can cost as low as $143 per month, depending on the company and your location.
The most budget-friendly compact luxury car to insure in Columbia is the Acura Integra at $1,712 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,980 per year. And for full-size models, the Audi A5 has the cheapest car insurance rates at $2,278 per year.
The rate comparison table below ranks the twenty luxury cars with the lowest-cost average car insurance rates in Columbia, starting with the Acura Integra at $1,712 per year and ending with the Audi S3 at $2,158 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,712 | $143 |
| BMW 330i | Compact | $1,960 | $163 |
| Mercedes-Benz CLA250 | Midsize | $1,980 | $165 |
| Lexus IS 300 | Midsize | $1,982 | $165 |
| Acura TLX | Compact | $1,990 | $166 |
| Cadillac CT4 | Compact | $2,010 | $168 |
| Lexus ES 350 | Midsize | $2,010 | $168 |
| Genesis G70 | Compact | $2,014 | $168 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,018 | $168 |
| Lexus RC 300 | Midsize | $2,022 | $169 |
| Lexus IS 350 | Compact | $2,026 | $169 |
| Jaguar XF | Midsize | $2,036 | $170 |
| Cadillac CT5 | Midsize | $2,074 | $173 |
| Lexus ES 250 | Midsize | $2,082 | $174 |
| Lexus RC 350 | Compact | $2,088 | $174 |
| BMW 330e | Compact | $2,090 | $174 |
| BMW 228i | Compact | $2,092 | $174 |
| BMW 230i | Compact | $2,108 | $176 |
| Lexus ES 300h | Midsize | $2,112 | $176 |
| Audi S3 | Compact | $2,158 | $180 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Columbia, MO Zip Codes. Updated February 23, 2024
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Columbia car insurance quotes from the best companies in Missouri.
Cheapest luxury SUV insurance rates
Taking the top spot in Columbia for the lowest-cost insurance in the luxury SUV segment is the Acura RDX, with an average cost of $1,608 per year. Second place is the Lexus NX 250 at $1,702 per year, and ranking third is the Cadillac XT4, at an average of $1,736 per year.
Not the cheapest, but still very affordable, are luxury SUVs like the Lexus NX 450h, Lincoln Corsair, Lexus NX 350h, and Mercedes-Benz GLB 250, with average cost of $1,856 per year or less.
Full-coverage auto insurance in Columbia for this segment for the average driver starts at around $134 per month, depending on the company and where you live.
The lowest-cost compact luxury SUV to insure in Columbia is the Acura RDX at $1,608 per year. For midsize luxury SUVs, the Jaguar E-Pace has the best rates at $1,800 per year. And for full-size luxury SUVs, the Infiniti QX80 is the cheapest model to insure at $2,158 per year.
The table below ranks the twenty SUVs with the cheapest insurance in Columbia, starting with the Acura RDX at $134 per month and ending with the Lexus NX 350 at $161 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,608 | $134 |
| Lexus NX 250 | Compact | $1,702 | $142 |
| Cadillac XT4 | Compact | $1,736 | $145 |
| Jaguar E-Pace | Midsize | $1,800 | $150 |
| Cadillac XT5 | Midsize | $1,816 | $151 |
| Lexus NX 350h | Compact | $1,816 | $151 |
| Lincoln Corsair | Compact | $1,838 | $153 |
| Mercedes-Benz GLB 250 | Compact | $1,842 | $154 |
| Lexus UX 250h | Compact | $1,846 | $154 |
| Lexus NX 450h | Compact | $1,856 | $155 |
| Infiniti QX50 | Midsize | $1,870 | $156 |
| Mercedes-Benz GLA250 | Compact | $1,870 | $156 |
| Cadillac XT6 | Midsize | $1,884 | $157 |
| Mercedes-Benz GLA35 AMG | Compact | $1,884 | $157 |
| Infiniti QX60 | Midsize | $1,894 | $158 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,896 | $158 |
| Acura MDX | Midsize | $1,922 | $160 |
| Land Rover Evoque | Compact | $1,922 | $160 |
| Lexus RX 350 | Midsize | $1,924 | $160 |
| Lexus NX 350 | Compact | $1,930 | $161 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Columbia, MO Zip Codes. Updated February 23, 2024
See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.
Don’t see rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Columbia car insurance quotes from the best companies in Missouri.
Cheap pickup trucks to insure
Ranking at the top of the list for the lowest-cost Columbia auto insurance rates in the pickup segment are the Ford Ranger, Chevrolet Colorado, Nissan Frontier, Nissan Titan, and Ford Maverick. Auto insurance rates for these 2024 models average $1,868 or less per year, or around $156 per month.
Other pickups that are affordable to insure include the Toyota Tacoma, GMC Sierra 2500 HD, Hyundai Santa Cruz, and GMC Canyon, with an average car insurance cost of $1,978 per year or less.
Car insurance in Columbia for this segment for a good driver can cost as low as $137 per month, depending on where you live.
The rate comparison table below ranks the pickups with the most affordable car insurance in Columbia, starting with the Chevrolet Colorado at $1,648 per year ($137 per month) and ending with the Ram Truck at $2,226 per year ($186 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,648 | $137 |
| Nissan Titan | Full-size | $1,800 | $150 |
| Nissan Frontier | Midsize | $1,820 | $152 |
| Ford Ranger | Midsize | $1,836 | $153 |
| Ford Maverick | Midsize | $1,868 | $156 |
| Honda Ridgeline | Midsize | $1,908 | $159 |
| Hyundai Santa Cruz | Midsize | $1,940 | $162 |
| Toyota Tacoma | Midsize | $1,950 | $163 |
| GMC Sierra 2500 HD | Heavy Duty | $1,956 | $163 |
| GMC Canyon | Midsize | $1,978 | $165 |
| Jeep Gladiator | Midsize | $2,030 | $169 |
| GMC Sierra 3500 | Heavy Duty | $2,040 | $170 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,056 | $171 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,112 | $176 |
| GMC Sierra | Full-size | $2,124 | $177 |
| Chevrolet Silverado | Full-size | $2,128 | $177 |
| Nissan Titan XD | Heavy Duty | $2,128 | $177 |
| Ford F150 | Full-size | $2,154 | $180 |
| GMC Hummer EV Pickup | Full-size | $2,208 | $184 |
| Ram Truck | Full-size | $2,226 | $186 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Columbia, MO Zip Codes. Updated February 23, 2024
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Looking for insurance rates for a different truck? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Columbia car insurance quotes from the best auto insurance companies in Missouri.
Sports cars with cheap auto insurance
The top-ranked model in Columbia for cheapest auto insurance in the sports car segment is the Mazda MX-5 Miata, at $1,782 per year. Second place is the Toyota GR86 costing $2,028 per year, the third most affordable is the Ford Mustang, costing an average of $2,116 per year, and coming in fourth is the BMW Z4, at an average of $2,126 per year.
Rounding out the top 10 are cars like the Lexus RC F, Toyota GR Supra, BMW M2, and Nissan Z, with average cost of $2,300 per year or less.
Some additional models on the list include the Chevrolet Camaro, Chevrolet Corvette, BMW M3, Porsche 718, and Jaguar F-Type, which average between $2,300 and $3,258 per year for insurance in Columbia.
Full-coverage auto insurance in this segment starts at an average of $149 per month, depending on the company and where you live. The comparison table below ranks the twenty sports cars with the cheapest insurance rates in Columbia, starting with the Mazda MX-5 Miata at $149 per month and ending with the Porsche Taycan at $272 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,782 | $149 |
| Toyota GR86 | Sports Car | $2,028 | $169 |
| Ford Mustang | Sports Car | $2,116 | $176 |
| BMW Z4 | Sports Car | $2,126 | $177 |
| Subaru WRX | Sports Car | $2,158 | $180 |
| Toyota GR Supra | Sports Car | $2,162 | $180 |
| BMW M2 | Sports Car | $2,226 | $186 |
| Nissan Z | Sports Car | $2,228 | $186 |
| Lexus RC F | Sports Car | $2,274 | $190 |
| Subaru BRZ | Sports Car | $2,300 | $192 |
| BMW M3 | Sports Car | $2,430 | $203 |
| Porsche 718 | Sports Car | $2,480 | $207 |
| Chevrolet Camaro | Sports Car | $2,500 | $208 |
| Chevrolet Corvette | Sports Car | $2,666 | $222 |
| Porsche 911 | Sports Car | $2,756 | $230 |
| BMW M4 | Sports Car | $2,870 | $239 |
| Lexus LC 500 | Sports Car | $2,886 | $241 |
| Jaguar F-Type | Sports Car | $3,036 | $253 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,186 | $266 |
| Porsche Taycan | Sports Car | $3,258 | $272 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Columbia, MO Zip Codes. Updated February 23, 2024
Don’t see your sports car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Missouri.
Columbia car insurance price variability
In order to reinforce the concept of the amount car insurance premiums can vary from one driver to the next (and also stress the importance of requesting multiple rate quotes), the examples below contain many different rates for five popular models in Columbia: the Ford F150, Toyota Corolla, Toyota RAV4, Toyota Camry, and Ford Mustang.
Each example displays rates for a variety of different driver profiles to show how much rates can vary with only small changes to the policy rating factors.
Ford F150 insurance rates
Auto insurance for a Ford F150 in Columbia averages $2,154 per year, or about $180 per month, and ranges from $1,786 to $4,972 per year for the sample driver risk profiles in the rate chart shown below.
The Ford F150 is a full-size truck, and other models from that segment that are popular in Columbia, Missouri, include the Nissan Titan, Chevrolet Silverado, and Ram Truck.
Toyota Corolla insurance rates
In Columbia, Toyota Corolla insurance costs an average of $1,878 per year ($157 per month) and has a range of $1,556 to $4,296.
The Toyota Corolla is classified as a compact car, and additional similar models from the same segment include the Nissan Sentra, Hyundai Elantra, Volkswagen Jetta, and Chevrolet Cruze.
Toyota RAV4 insurance rates
Insurance for a Toyota RAV4 in Columbia costs an average of $1,774 per year (about $148 per month) and varies from $1,470 to $4,078 per year.
The Toyota RAV4 is classified as a compact SUV, and other models in that segment include the Chevrolet Equinox, Mazda CX-5, and Ford Escape.
Toyota Camry insurance rates
Toyota Camry insurance in Columbia averages $2,068 per year (about $172 per month) and has a range of $1,716 to $4,754 per year.
The Toyota Camry is classified as a midsize car, and other models in that segment include the Honda Accord, Kia K5, and Chevrolet Malibu.
Ford Mustang insurance rates
Ford Mustang insurance in Columbia costs an average of $2,116 per year ($176 per month) and ranges from $1,752 to $4,842 per year.
The Ford Mustang is considered a sports car, and other models in that segment include the Chevrolet Camaro, Toyota Supra, and Nissan 370Z.
Helpful tips to save on auto insurance
Smart drivers in Columbia are always looking to reduce their monthly insurance expenses, so look through the savings tips in the list below and maybe you’ll find a way to save some money insuring your vehicle.
- Compare insurance cost before you buy the car. Different vehicle models can have significantly different car insurance premiums, and insurers can price policies with widely varying rates. Get plenty of quotes to compare the cost of insurance before you purchase in order to avoid any surprises when buying insurance.
- Choose a vehicle with cheaper car insurance rates. The make and model of vehicle you drive is one of the primary factors in the cost of insurance. As an example, a Hyundai Kona costs $418 less per year to insure in Columbia than a Nissan 370Z. Lower performance vehicles cost less to insure.
- Safer drivers pay lower rates. Multiple at-fault accidents raise rates, to the tune of $2,748 per year for a 20-year-old driver and as much as $798 per year for a 40-year-old driver. So be safe and save.
- Policy discounts mean cheaper car insurance. Discounted rates may be available if the insureds are accident-free, insure their home and car with the same company, insure multiple vehicles on the same policy, are military or federal employees, are homeowners, or many other policy discounts which could save the average Columbia driver as much as $328 per year on car insurance.
- Save by raising your deductibles. Raising your policy deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
- Save money with better credit. Drivers with high 800+ credit scores could save an average of $302 per year when compared to a slightly lower credit rating between 670-739. Conversely, a lower credit score could cost around $351 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Break the law and you’ll pay more. In order to get affordable car insurance in Columbia, it pays to be a conservative driver. A few driving offenses could result in increasing policy rates by at least $510 per year. Major misdemeanors like reckless driving could raise rates by an additional $1,786 or more.