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Car Insurance Quotes in Columbia, SC

Full coverage / year
$2,328
State minimum / year
$825
Typical quote range
$1,653 – $3,213

Full coverage car insurance in Columbia, SC runs an estimated $2,328 per year — roughly $194 monthly. That tracks the South Carolina average closely, reflecting typical suburban driving patterns. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Columbia, SC

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$194/ month
$2,328 per year · carriers in Columbia, SC typically quote $1,653 – $3,213
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Columbia, SC

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,769$147-24%Military members and families only
Geico$1,909$159-18%Usually cheapest for clean records
State Farm$2,049$171-12%Strong for young and student drivers
Progressive$2,212$184-5%Competitive after a ticket or accident
Travelers$2,258$188-3%Good multi-policy discounts
Nationwide$2,328$1940%Mid-market, wide availability
Allstate$2,654$221+14%Higher base rate, heavy discount stacking
Farmers$2,817$235+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Columbia, SC. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Columbia

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$6,288$2,227$524
18 years old$5,304$1,879$442
20 years old$4,392$1,556$366
22 years old$3,648$1,292$304
25 years old$2,784$986$232
30 years old$2,400$850$200
40 years old$2,256$799$188
50 years old$2,160$765$180
60 years old$2,136$757$178
65 years old$2,232$791$186
70 years old$2,448$867$204
75 years old$2,856$1,012$238

Estimated premiums by age in Columbia, SC, clean record, sedan.

What a ticket, accident or DUI costs in Columbia

Driving recordEst. annualIncrease
Clean record$2,328—
1 speeding ticket$2,863+23%
1 at-fault accident$3,422+47%
DUI / DWI$4,400+89%

What a violation costs a 35-year-old in Columbia, SC. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in South Carolina

Every driver registering a vehicle in South Carolina must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the South Carolina Department of Insurance.

Required coverage in South CarolinaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
Uninsured motorist 25/50/25Required
Insurance systemAt-fault (tort)

Coverage levels compared in Columbia

Coverage levelEst. annualEst. monthly
State minimum liability$825$69
Full coverage (100/300/100 + comp & collision)$2,328$194
Full coverage, high limits + low deductible$2,770$231

Coverage level comparison for Columbia, SC.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Columbia

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Columbia covers 29201, 29202, 29203, 29204, 29205, 29206 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Columbia, SC?
Full coverage in Columbia is estimated at $2,328 a year ($194 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $825 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in South Carolina?
South Carolina requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus uninsured motorist 25/50/25. South Carolina is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Columbia?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Columbia for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Columbia?
An 18-year-old in Columbia is estimated at $5,304 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Columbia?
A DUI takes the estimate from $2,328 to about $4,400 a year in Columbia, an increase of roughly 89%. South Carolina drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Columbia?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

West ColumbiaSaint AndrewsSeven OaksLexingtonSumterAikenNorth AugustaGreenwood

Comparing more of South Carolina? See every South Carolina city we price or read the cheap car insurance guide for Columbia.