Columbia, SC Car Insurance Cost – 2025 Cheapest Rates + Comparisons

Is car insurance expensive in Columbia, SC? You'll know in a minute as we compare insurance rates for over 150 vehicles to find the cheapest car insurance in Columbia.

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How much does car insurance cost in Columbia, SC?

Columbia car insurance costs an average of $2,288 per year, which is 3% more than the U.S. overall average rate of $2,221. The average cost per month for car insurance in Columbia is $191 for a policy that provides full coverage.

In the state of South Carolina, the average car insurance expense is $2,192 per year, so the cost in Columbia averages $96 more per year. The cost to insure a vehicle in Columbia compared to other South Carolina locations is approximately $66 per year less than in North Charleston, $92 per year more than in Mount Pleasant, and $30 per year cheaper than in Charleston.

Driver age has the biggest impact on the price you pay for auto insurance. The list below illustrates this point by showing the difference in average car insurance rates in Columbia for drivers from 16 to 60.

Columbia car insurance cost by driver age

  • 16-year-old driver – $8,140 per year or $678 per month
  • 17-year-old driver – $7,885 per year or $657 per month
  • 18-year-old driver – $7,067 per year or $589 per month
  • 19-year-old driver – $6,434 per year or $536 per month
  • 20-year-old driver – $4,600 per year or $383 per month
  • 30-year-old driver – $2,436 per year or $203 per month
  • 40-year-old driver – $2,288 per year or $191 per month
  • 50-year-old driver – $2,026 per year or $169 per month
  • 60-year-old driver – $1,896 per year or $158 per month

The chart below shows average car insurance cost in Columbia for all 2024 models. Rates are averaged for all Columbia Zip Codes and shown by driver age and physical damage deductibles.

Average full-coverage car insurance premium in Columbia, SC for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Columbia, SC for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Columbia, SC Zip Codes.

Average Car Insurance Cost in Columbia, SC
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,892$324
$500$4,600$383
$250$5,348$446
30$1,000$2,042$170
$500$2,436$203
$250$2,846$237
40$1,000$1,924$160
$500$2,288$191
$250$2,666$222
50$1,000$1,714$143
$500$2,026$169
$250$2,352$196
60$1,000$1,606$134
$500$1,896$158
$250$2,202$184

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 Columbia, SC Zip Codes. Updated June 27, 2025

Average car insurance rates in the chart range from $1,606 per year for a high deductible policy for a 60-year-old driver to $5,348 per year for a 20-year-old driver with low physical damage deductibles.

When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Columbia ranges from $134 to $446.

The previously referenced car insurance rates are averaged for all 2024 vehicle models, which is suitable for making general comparisons like the cost difference between two locations.

Average auto insurance rates work very well when trying to find the answer to questions like “is car insurance cheaper in Columbia or Charleston?” or “is South Carolina car insurance cheaper than California?”.

For more complete auto insurance rate comparisons, however, we need to analyze the exact vehicle being insured. Each make and model has it’s own exposure profile for car insurance rating and this data makes it possible to perform cost comparisons.

This next chart shows average car insurance cost for popular cars, trucks, and SUVs cruising around Columbia.

Average cost to insure popular 2024 model year vehicles in Columbia.
Figure 2: Average cost to insure popular 2024 model year vehicles in Columbia. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Columbia Zip Codes.

Columbia Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,690$141
Mazda CX-5$1,866$156
Honda CR-V$1,948$162
Honda Civic$2,024$169
Nissan Rogue$2,052$171
Ford Explorer$2,074$173
Toyota Highlander$2,080$173
Nissan Sentra$2,094$175
Chevrolet Equinox$2,102$175
Toyota RAV4$2,106$176
Hyundai Tucson$2,124$177
Ford Ranger$2,182$182
Honda Pilot$2,226$186
Toyota Tacoma$2,314$193
Hyundai Santa Fe$2,324$194
Toyota 4Runner$2,450$204
Toyota Camry$2,458$205
Ford Mustang$2,512$209
GMC Sierra$2,524$210
Chevrolet Silverado$2,526$211
Ford Bronco$2,534$211
Ford F150$2,556$213
Ram Truck$2,644$220
Chevrolet Corvette$3,166$264

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 for the 2024 model year and also for all Columbia, SC Zip Codes. Updated June 27, 2025

Popular vehicles in Columbia tend to be compact and midsize sedans like the Toyota Corolla, Hyundai Elantra, and Toyota Camry and compact and midsize SUVs like the Ford Escape and Jeep Grand Cherokee.

Additional popular models from other vehicle segments include luxury SUVs like the Cadillac XT5 and BMW X5, luxury cars like the Infiniti Q50 and Acura ILX, and pickup trucks like the Ram 1500 and Toyota Tacoma.

We explore more auto insurance rates a little later in this article, but before we delve that deep, let’s go over the key concepts and comparisons that were presented so far.

  • Insurance for teenagers can cost a lot – Cost ranges from $5,442 to $8,140 per year to insure a teenage driver in Columbia.
  • Monthly car insurance cost ranges from $158 to $678 – That is the average car insurance cost range for drivers from age 16 to 60 in Columbia.
  • Car insurance with low deductibles costs more – A 20-year-old driver pays an average of $1,226 more per year for a $250 deductible policy versus a $1,000 deductible policy.
  • Insurance rates decline significantly in your twenties – The average 30-year-old Columbia driver will pay $2,164 less annually than a 20-year-old driver, $2,436 versus $4,600.
  • Columbia car insurance costs more than the U.S. average – $2,288 (Columbia average) compared to $2,221 (U.S. average)
  • Car insurance gets cheaper as you age – Insurance rates for a 50-year-old driver in Columbia are $2,574 per year cheaper than for a 20-year-old driver.
  • Columbia car insurance prices are more expensive than the South Carolina state average – $2,288 (Columbia average) versus $2,192 (South Carolina average)

Which cars have cheap insurance in Columbia, SC?

The vehicles with the best insurance rates in Columbia tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Toyota Corolla Cross.

Average car insurance prices for those vehicles cost $1,856 or less per year ($155 per month) for full coverage.

Examples of other models that have low-cost insurance prices in the cost comparison table below are the Kia Niro, Ford Bronco Sport, Nissan Murano, and Acura RDX.

The average rates are slightly higher for those models than the cheapest compact SUVs at the top of the rankings, but they still have average rates of $1,988 or less per year in Columbia.

The next table ranks the 50 cheapest vehicles to insure in Columbia, South Carolina, ordered by annual cost.

Cheapest Auto Insurance Rates in Columbia
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,690$141
2Chevrolet Trailblazer$1,718$143
3Kia Soul$1,786$149
4Nissan Kicks$1,800$150
5Honda Passport$1,820$152
6Buick Envision$1,834$153
7Toyota Corolla Cross$1,842$154
8Hyundai Venue$1,856$155
9Mazda CX-5$1,866$156
10Ford Bronco Sport$1,872$156
11Volkswagen Tiguan$1,894$158
12Acura RDX$1,912$159
13Nissan Murano$1,920$160
14Buick Encore$1,942$162
15Honda CR-V$1,948$162
16Subaru Outback$1,950$163
17Buick Envista$1,952$163
18Volkswagen Taos$1,956$163
19Kia Niro$1,968$164
20Honda HR-V$1,988$166
21Subaru Ascent$1,988$166
22Toyota GR Corolla$1,988$166
23Nissan Leaf$2,002$167
24Chevrolet Colorado$2,012$168
25Honda Civic$2,024$169
26Lexus NX 250$2,024$169
27Volkswagen Atlas$2,030$169
28Acura Integra$2,032$169
29Subaru Forester$2,036$170
30Kia Seltos$2,038$170
31Volkswagen Atlas Cross Sport$2,040$170
32GMC Terrain$2,046$171
33Nissan Rogue$2,052$171
34Hyundai Kona$2,056$171
35Mazda CX-30$2,060$172
36Cadillac XT4$2,064$172
37Volkswagen ID4$2,072$173
38Ford Explorer$2,074$173
39Toyota Highlander$2,080$173
40Ford Escape$2,084$174
41Honda Odyssey$2,088$174
42Toyota Venza$2,088$174
43Nissan Sentra$2,094$175
44Subaru Impreza$2,100$175
45Chevrolet Equinox$2,102$175
46Toyota RAV4$2,106$176
47Mazda MX-5 Miata$2,116$176
48Mazda MX-30$2,120$177
49Hyundai Tucson$2,124$177
50Chevrolet Traverse$2,130$178

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, SC Zip Codes. Updated June 26, 2025

Top 50 cheapest vehicles to insure in Columbia, SC with the Subaru Crosstrek ranking first at $1,690 per year
Top 50 cheapest vehicles to insure in Columbia, SC with the Subaru Crosstrek ranking first at $1,690 per year

The table above that contains 50 of the cheapest vehicles to insure in Columbia serves the purpose if you’re just looking for any vehicle with cheap insurance rates. A more efficient way to rank auto insurance rates for many more vehicles is by organizing them by their automotive segment.

This next article section illustrates the average cost of car insurance for each different vehicle segment. This should give you a better idea of which types of vehicles have the cheapest rates. Then the six subsequent sections will break out the 20 models with the cheapest rates in each individual segment.

Auto insurance rates by automotive segment

If you’re considering buying a new car, it’s very useful to know which types of vehicles are cheaper to insure. To illustrate this, you may be curious if midsize SUVs have more affordable insurance than small SUVs or if heavy duty pickups are more expensive to insure than half-ton pickups.

The chart below shows the average cost of car insurance rates in Columbia for different vehicle segments. When comparing rates from a segment perspective, small SUVs, vans, and midsize pickups have the cheapest rates, with luxury, performance, and sports cars having the most expensive overall car insurance rates.

Car insurance average cost by automotive segment in Columbia, SC.
Figure 3: Car insurance average cost by automotive segment in Columbia, SC. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Columbia Zip Codes.

Car Insurance Rates by Automotive Segment in Columbia, SC
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,100$175
Midsize SUV$2,256$188
Compact Car$2,258$188
Minivan$2,262$189
Midsize Pickup$2,308$192
Midsize Car$2,330$194
Compact Luxury SUV$2,476$206
Compact Luxury Car$2,514$210
Large SUV$2,522$210
Half-ton Pickup$2,532$211
Heavy Duty Pickup$2,632$219
Midsize Luxury SUV$2,714$226
Midsize Luxury Car$2,802$234
Sports Car$3,140$262
Large Car$3,288$274
Large Luxury SUV$3,540$295
Large Luxury Car$3,656$305

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 2024 model year vehicles and also for all Columbia, SC Zip Codes. Updated June 27, 2025

Rates by segment can be used to make an overall comparison, but rates range substantially within each vehicle segment listed in the above chart.

For example, in the midsize luxury SUV segment, Columbia auto insurance rates range from the Jaguar E-Pace costing $2,138 per year to the Mercedes-Benz AMG GLE63 at $3,854 per year, a difference of $1,716 within that segment. In the large truck segment, the average cost of insurance ranges from the Nissan Titan at $2,136 per year up to the Toyota Tundra at $2,722 per year, a difference of $586 within that segment.

In the sections going forward, we will eliminate a lot of this variability by looking at car insurance cost in Columbia on a model level.

Cheapest cars to insure in Columbia

Sitting at number one in Columbia for the most affordable average insurance rates in the car segment is the Toyota GR Corolla, at an average of $1,988 per year. Second place is the Nissan Leaf costing $2,002 per year, and in third place is the Honda Civic, costing an average of $2,024 per year.

Not the cheapest in the list, but still ranking well, are cars like the Honda Accord, Chevrolet Malibu, Toyota Prius, and Kia K5, with average cost of $2,226 per year or less.

Car insurance for this segment in Columbia starts at an average of $166 per month, depending on where you live.

When ranked by vehicle size, the cheapest non-luxury compact car to insure in Columbia is the Toyota GR Corolla at $1,988 per year, or $166 per month. For midsize models, the Kia K5 has the best rates at $2,200 per year, or $183 per month. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,178 per year, or $182 per month.

The comparison table below ranks the twenty cars with the lowest-cost car insurance rates in Columbia.

Cheapest Cars to Insure in Columbia
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,988$166
Nissan LeafCompact$2,002$167
Honda CivicCompact$2,024$169
Nissan SentraCompact$2,094$175
Subaru ImprezaCompact$2,100$175
Toyota PriusCompact$2,136$178
Kia K5Midsize$2,200$183
Honda AccordMidsize$2,206$184
Chevrolet MalibuMidsize$2,216$185
Toyota CorollaCompact$2,226$186
Kia ForteCompact$2,230$186
Volkswagen ArteonMidsize$2,248$187
Nissan VersaCompact$2,254$188
Subaru LegacyMidsize$2,254$188
Hyundai Ioniq 6Midsize$2,274$190
Mitsubishi Mirage G4Compact$2,306$192
Volkswagen JettaCompact$2,312$193
Toyota CrownMidsize$2,314$193
Hyundai SonataMidsize$2,316$193
Mazda 3Compact$2,362$197

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, SC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Columbia, SC, with the Toyota GR Corolla ranking first at $1,988 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Columbia, SC, with the Toyota GR Corolla ranking first at $1,988 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Is your vehicle not in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Columbia car insurance quotes from the best auto insurance companies in South Carolina.

Cheapest SUVs to insure in Columbia

Ranking #1 in Columbia for cheapest average insurance rates in the SUV segment is the Subaru Crosstrek, with a cost of $1,690 per year. Second place is the Chevrolet Trailblazer at $1,718 per year, and the third cheapest is the Kia Soul, costing an average of $1,786 per year.

Not the cheapest in the list, but still ranking well, are models like the Buick Envision, Toyota Corolla Cross, Hyundai Venue, and Mazda CX-5, with an average cost to insure of $1,872 per year or less.

Some additional SUVs on the list include the Kia Niro, Volkswagen Tiguan, Subaru Ascent, and Honda HR-V, which average between $1,872 and $1,988 per year to insure.

Car insurance in Columbia for this segment for the average driver starts at around $141 per month, depending on your company and location.

The cheapest compact SUV to insure in Columbia is the Subaru Crosstrek at $1,690 per year. For midsize 2024 SUV models, the Honda Passport is the cheapest model to insure at $1,820 per year. And for full-size SUVs, the Chevrolet Tahoe has the cheapest rates at $2,148 per year.

The rate comparison table below ranks the SUVs with the most affordable average car insurance rates in Columbia, starting with the Subaru Crosstrek at $1,690 per year and ending with the Subaru Ascent at $1,988 per year.

Cheapest SUVs to Insure in Columbia
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,690$141
Chevrolet TrailblazerCompact$1,718$143
Kia SoulCompact$1,786$149
Nissan KicksCompact$1,800$150
Honda PassportMidsize$1,820$152
Buick EnvisionCompact$1,834$153
Toyota Corolla CrossCompact$1,842$154
Hyundai VenueCompact$1,856$155
Mazda CX-5Compact$1,866$156
Ford Bronco SportCompact$1,872$156
Volkswagen TiguanCompact$1,894$158
Nissan MuranoMidsize$1,920$160
Buick EncoreCompact$1,942$162
Honda CR-VCompact$1,948$162
Subaru OutbackMidsize$1,950$163
Buick EnvistaMidsize$1,952$163
Volkswagen TaosCompact$1,956$163
Kia NiroCompact$1,968$164
Honda HR-VCompact$1,988$166
Subaru AscentMidsize$1,988$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, SC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Columbia, SC, with the Subaru Crosstrek ranking first at $1,690 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Columbia, SC, with the Subaru Crosstrek ranking first at $1,690 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV missing from the table above? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Columbia car insurance quotes from top auto insurance companies in South Carolina.

Cheapest luxury cars to insure in Columbia

Taking the top ranking in Columbia for cheapest average insurance in the luxury sedan segment is the Acura Integra, with an average cost of $2,032 per year. Second place is the BMW 330i costing $2,328 per year, and the third cheapest is the Mercedes-Benz CLA250, at an average of $2,352 per year.

Not the cheapest in the list, but still ranking well, are models like the Lexus ES 350, Mercedes-Benz AMG CLA35, Cadillac CT4, and Genesis G70, with average annual insurance rates of $2,402 per year or less.

Additional 2024 luxury models that rank well include the Jaguar XF, Cadillac CT5, Lexus RC 350, and Lexus IS 350, which average between $2,402 and $2,564 to insure per year.

Full-coverage auto insurance in Columbia for this segment for an average middle-age driver starts at an average of $169 per month, depending on your location and insurance company.

If vehicle size is considered, the lowest-cost compact luxury car to insure in Columbia is the Acura Integra at $2,032 per year. For midsize luxury models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,352 per year. And for full-size luxury cars, the Audi A5 is most affordable to insure at $2,714 per year.

The table below ranks the cars with the lowest-cost average auto insurance rates in Columbia, starting with the Acura Integra at $2,032 per year ($169 per month) and ending with the Audi S3 at $2,564 per year ($214 per month).

Cheapest Luxury Cars to Insure in Columbia
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,032$169
BMW 330iCompact$2,328$194
Mercedes-Benz CLA250Midsize$2,352$196
Lexus IS 300Midsize$2,356$196
Acura TLXCompact$2,366$197
Lexus ES 350Midsize$2,386$199
Cadillac CT4Compact$2,388$199
Genesis G70Compact$2,392$199
Mercedes-Benz AMG CLA35Midsize$2,396$200
Lexus RC 300Midsize$2,402$200
Lexus IS 350Compact$2,412$201
Jaguar XFMidsize$2,418$202
Cadillac CT5Midsize$2,462$205
Lexus ES 250Midsize$2,472$206
Lexus RC 350Compact$2,478$207
BMW 330eCompact$2,480$207
BMW 228iCompact$2,484$207
BMW 230iCompact$2,504$209
Lexus ES 300hMidsize$2,508$209
Audi S3Compact$2,564$214

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, SC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Columbia, SC, with the Acura Integra ranking first at $2,032 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Columbia, SC, with the Acura Integra ranking first at $2,032 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see rates for your luxury car? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Columbia car insurance quotes from top-rated companies in South Carolina.

Cheapest luxury SUV insurance rates in Columbia

Ranking in the top five for the lowest-cost Columbia car insurance rates in the luxury SUV segment are the Acura RDX, Cadillac XT5, Cadillac XT4, Lexus NX 250, and Jaguar E-Pace. Car insurance rates for these models average $2,156 or less per year.

Other models that have cheaper rates include the Lexus NX 450h, Lincoln Corsair, Mercedes-Benz GLB 250, and Lexus UX 250h, with an average car insurance cost of $2,204 per year or less.

Ranked between 10th and 20th place, models like the Lexus RX 350, Infiniti QX50, Acura MDX, Land Rover Evoque, Mercedes-Benz GLA35 AMG, and Mercedes-Benz AMG GLB35 cost between $2,204 and $2,296 per year for auto insurance in Columbia.

Full-coverage insurance in this segment for a middle-age safe driver starts at around $159 per month, depending on your company and location.

If insurance rates are ranked by vehicle size, the most affordable small luxury SUV to insure in Columbia is the Acura RDX at $1,912 per year. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $2,138 per year. And for full-size luxury models, the Infiniti QX80 is most affordable to insure at $2,564 per year.

The comparison table below ranks the twenty SUVs with the most affordable auto insurance rates in Columbia, starting with the Acura RDX at $159 per month and ending with the Lexus RX 350 at $191 per month.

Cheapest Luxury SUVs to Insure in Columbia
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,912$159
Lexus NX 250Compact$2,024$169
Cadillac XT4Compact$2,064$172
Jaguar E-PaceMidsize$2,138$178
Cadillac XT5Midsize$2,156$180
Lexus NX 350hCompact$2,158$180
Lincoln CorsairCompact$2,182$182
Mercedes-Benz GLB 250Compact$2,188$182
Lexus UX 250hCompact$2,190$183
Lexus NX 450hCompact$2,204$184
Infiniti QX50Midsize$2,222$185
Mercedes-Benz GLA250Compact$2,228$186
Mercedes-Benz GLA35 AMGCompact$2,236$186
Cadillac XT6Midsize$2,238$187
Infiniti QX60Midsize$2,250$188
Mercedes-Benz AMG GLB35Midsize$2,250$188
Land Rover EvoqueCompact$2,282$190
Acura MDXMidsize$2,286$191
Lexus NX 350Compact$2,292$191
Lexus RX 350Midsize$2,296$191

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, SC Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Columbia, SC, with the Acura RDX ranking first at $1,912 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Columbia, SC, with the Acura RDX ranking first at $1,912 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see insurance rates for your luxury SUV? 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 companies in South Carolina.

Cheapest sports cars to insure in Columbia

The cheapest sports cars to insure in Columbia are the Mazda MX-5 Miata at $2,116 per year, the Toyota GR86 at $2,408 per year, and the Ford Mustang at $2,512 per year.

Also ranking in the top 10 are cars like the Toyota GR Supra, Nissan Z, Lexus RC F, and Subaru BRZ, with average rates of $2,734 per year or less.

On a monthly basis, car insurance rates in Columbia on this segment starts at around $176 per month, depending on the company. The comparison table below ranks the sports cars with the cheapest average car insurance rates in Columbia, starting with the Mazda MX-5 Miata at $176 per month and ending with the Porsche Taycan at $323 per month.

Cheapest Sports Cars to Insure in Columbia
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,116$176
Toyota GR86Sports Car$2,408$201
Ford MustangSports Car$2,512$209
BMW Z4Sports Car$2,524$210
Subaru WRXSports Car$2,562$214
Toyota GR SupraSports Car$2,566$214
BMW M2Sports Car$2,644$220
Nissan ZSports Car$2,646$221
Lexus RC FSports Car$2,702$225
Subaru BRZSports Car$2,734$228
BMW M3Sports Car$2,886$241
Porsche 718Sports Car$2,944$245
Chevrolet CamaroSports Car$2,970$248
Chevrolet CorvetteSports Car$3,166$264
Porsche 911Sports Car$3,276$273
BMW M4Sports Car$3,410$284
Lexus LC 500Sports Car$3,430$286
Jaguar F-TypeSports Car$3,608$301
Mercedes-Benz AMG GT53Sports Car$3,784$315
Porsche TaycanSports Car$3,870$323

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, SC Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Columbia, SC, with the Mazda MX-5 Miata ranking first at $2,116 per year.
Ranking of the cheapest sports cars to insure in Columbia, SC, with the Mazda MX-5 Miata ranking first at $2,116 per year.

Don’t see insurance cost for your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in South Carolina.

Cheapest pickups to insure in Columbia

The four top-ranked pickup trucks with the lowest-cost insurance rates in Columbia are the Chevrolet Colorado at $2,012 per year, Nissan Titan at $2,136 per year, Nissan Frontier at $2,160 per year, and Ford Ranger at $2,182 per year.

Other models that have affordable average insurance rates are the Hyundai Santa Cruz, Toyota Tacoma, GMC Canyon, and GMC Sierra 2500 HD, with average insurance cost of $2,350 per year or less.

Auto insurance rates in Columbia for this segment for the average driver starts at an average of $168 per month, depending on your location and insurance company. The comparison table below ranks the twenty pickups with the most affordable average auto insurance rates in Columbia.

Cheapest Pickups to Insure in Columbia
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,012$168
Nissan TitanFull-size$2,136$178
Nissan FrontierMidsize$2,160$180
Ford RangerMidsize$2,182$182
Ford MaverickMidsize$2,216$185
Honda RidgelineMidsize$2,266$189
Hyundai Santa CruzMidsize$2,304$192
Toyota TacomaMidsize$2,314$193
GMC Sierra 2500 HDHeavy Duty$2,326$194
GMC CanyonMidsize$2,350$196
Jeep GladiatorMidsize$2,408$201
GMC Sierra 3500Heavy Duty$2,420$202
Chevrolet Silverado HD 3500Heavy Duty$2,442$204
Chevrolet Silverado HD 2500Heavy Duty$2,508$209
GMC SierraFull-size$2,524$210
Chevrolet SilveradoFull-size$2,526$211
Nissan Titan XDHeavy Duty$2,526$211
Ford F150Full-size$2,556$213
GMC Hummer EV PickupFull-size$2,622$219
Ram TruckFull-size$2,644$220

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, SC Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Columbia, SC, with the Chevrolet Colorado ranking first at $2,012 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Columbia, SC, with the Chevrolet Colorado ranking first at $2,012 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance cost for your pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Columbia car insurance quotes from the best auto insurance companies in South Carolina.

Risk factors and price variation

To illustrate how much the cost of car insurance can deviate from one person to the next (and also emphasize the importance of accurate rate quotes), the sections below visualize multiple rates for three popular models in Columbia: the Chevrolet Silverado, Toyota Corolla, and Kia Sorento.

Each vehicle example uses different risk profiles to demonstrate the difference in average cost based on changes in the risk profile of the driver.

Chevrolet Silverado insurance rates

Car insurance for a Chevrolet Silverado in Columbia averages $2,526 per year, or around $211 per month, and varies from $2,096 to $5,866.

Average 2024 Chevrolet Silverado insurance premiums in Columbia for different driver ages and risk scenarios.
Figure 4: Average 2024 Chevrolet Silverado insurance premiums in Columbia for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Columbia includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Columbia, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,866$489
Safe Driver Age 20$5,130$428
At-fault Accidents Age 40$3,610$301
Low Deductibles Age 40$3,260$272
Safe Driver Age 30$2,688$224
Safe Driver Age 40$2,526$211
Safe Driver Age 50$2,246$187
High Deductibles Age 40$2,152$179
Safe Driver Age 60$2,102$175
Discount Rate Age 40$2,096$175

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 27, 2025

The Chevrolet Silverado is considered a full-size truck, and other models popular in Columbia include the Nissan Titan, Ram Truck, and GMC Sierra.

Toyota Corolla insurance rates

Insurance for a Toyota Corolla in Columbia costs an average of $2,226 per year ($186 per month) and ranges from $1,848 to $5,102.

Average 2024 Toyota Corolla insurance premiums in Columbia for different driver ages and risk scenarios.
Figure 5: Average 2024 Toyota Corolla insurance premiums in Columbia for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Columbia includes all Zip Codes and vehicle trim levels.

2024 Toyota Corolla Insurance Cost in Columbia, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,102$425
Safe Driver Age 20$4,454$371
At-fault Accidents Age 40$3,158$263
Low Deductibles Age 40$2,856$238
Safe Driver Age 30$2,368$197
Safe Driver Age 40$2,226$186
Safe Driver Age 50$1,982$165
High Deductibles Age 40$1,898$158
Safe Driver Age 60$1,852$154
Discount Rate Age 40$1,848$154

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Corolla trim levels. Updated June 26, 2025

The Toyota Corolla is considered a compact car, and additional similar models include the Hyundai Elantra, Honda Civic, and Nissan Sentra.

Kia Sorento insurance rates

Car insurance for a Kia Sorento in Columbia averages $2,170 per year (about $181 per month) and varies from $1,806 to $4,982 per year for the example driver profiles in the insurance cost chart shown below.

Average 2024 Kia Sorento insurance premiums in Columbia for different driver ages and risk scenarios.
Figure 6: Average 2024 Kia Sorento insurance premiums in Columbia for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Columbia includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Columbia, SC
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,982$415
Safe Driver Age 20$4,362$364
At-fault Accidents Age 40$3,060$255
Low Deductibles Age 40$2,860$238
Safe Driver Age 30$2,316$193
Safe Driver Age 40$2,170$181
Safe Driver Age 50$1,920$160
High Deductibles Age 40$1,814$151
Discount Rate Age 40$1,806$151
Safe Driver Age 60$1,800$150

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025

The Kia Sorento is a midsize SUV, and other models from that segment that are popular in Columbia include the Honda Pilot, Ford Edge, and Ford Explorer.

Money-saving tips for finding cheaper Columbia car insurance

Drivers should always be thinking of ways to reduce the monthly expense for auto insurance, so look through the tips and ideas in this next list and maybe you can save a little dough on your next car insurance policy.

  • Your choice of occupation could lower your rates. Just about all car insurance companies offer policy discounts for specific occupations like police officers and law enforcement, dentists, members of the military, engineers, nurses, and others. By qualifying for this discount, you could potentially save between $69 and $222 on your annual insurance bill, depending on the level of coverage purchased.
  • Save money by raising deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Tickets and violations cost money. If you want to get the cheapest auto insurance in Columbia, it’s necessary to avoid traffic citations. As a matter of fact, just one or two blemishes on your driving record could possibly raise insurance policy rates by up to $606 per year. Serious misdemeanors like hit-and-run, DUI or reckless driving could raise rates by an additional $2,118 or more.
  • Save money by qualifying for policy discounts. Savings may be available if the insureds drive a vehicle with safety or anti-theft features, are accident-free, drive low annual mileage, are good students, or many other policy discounts which could save the average Columbia driver as much as $390 per year on auto insurance.
  • Buy vehicles that are cheaper to insure. Vehicle type is a huge factor in the price you pay for car insurance. For example, a Subaru Crosstrek costs $2,718 less per year to insure in Columbia than a Audi R8. Drive cheaper models and save money.
  • Shop your coverage around. Taking the time to get free car insurance quotes is the best way to save money. Rates change often and you can change companies at any time.
  • Remain claim free. Auto insurance companies offer discounts if you have not filed any claims. Auto insurance should only be used for significant financial loss, not small claims that can be paid out-of-pocket.