Best Columbia, SC Auto Insurance in 2025 (Top 10 Companies Ranked)
State Farm, Progressive, and American Family are the best Columbia, SC auto insurance providers. Rates start at $33 per month. State Farm offers reliable service, Progressive provides flexible policies, and American Family stands out for discounts. Drivers can get affordable, reliable coverage.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Mar 13, 2025
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18,154 reviewsCompany Facts
Full Coverage in Columbia SC
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
13,283 reviewsCompany Facts
Full Coverage in Columbia SC
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviews
2,235 reviewsCompany Facts
Full Coverage in Columbia SC
A.M. Best Rating
Complaint Level
Pros & Cons
2,235 reviewsThe best Columbia, SC auto insurance providers are State Farm, Progressive, and American Family, with rates starting at $33/month. State Farm is the top pick for reliable service and coverage, Progressive offers flexibility, while American Family provides top discounts.
Each company has something different to offer, so drivers can find a policy that fits. State Farm is great for solid service and strong coverage.
Our Top 10 Company Picks: Best Columbia, SC Auto Insurance
| Insurance Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Service | State Farm |
 | #2 | 10% | A+ | Competitive Rates | Progressive |
 | #3 | 25% | A | Flexible Options | American Family |
 | #4 | 25% | A | Customizable Policies | Liberty Mutual |
 | #5 | 5% | A+ | Senior Drivers | The Hartford |
 | #6 | 20% | A+ | Multi-Policy Bundling | Nationwide |
 | #7 | 20% | A | Customizable Plans | Farmers |
 | #8 | 25% | A+ | Trusted Reputation | Allstate |
 | #9 | 25% | A++ | Low Rates | Geico |
 | #10 | 15% | A | Roadside Assistance | AAA |
Progressive lets drivers pick plans that fit their needs. American Family gives discounts to help save money. It all comes down to what works best for each driver.
Don’t let expensive insurance rates hold you back. Enter your ZIP code and shop for affordable premiums from the top companies.
Read more: Types of Auto Insurance Coverage
- The best Columbia, SC auto insurance options start at just $33/month
- State Farm is the top pick for reliable service, strong coverage, and overall value
- Progressive and American Family offer flexibility and great discounts
#1 – State Farm: Top Overall Pick
Pros
- Reliable Service: State Farm is known for its dependable customer service, making it a top choice for the best Columbia, SC auto insurance.
- Low Monthly Rates: State Farm offers affordable auto insurance data rates in Columbia, starting at just $38 monthly.
- Bundling Policies: State Farm provides discounts when bundling auto with home or other insurance coverage policies, helping customers save more.
Cons
- Limited Multi-Policy Discount: The bundling discount is lower than that of some other best Columbia, SC auto insurance providers.
- Some Drivers Pay More: Even with discounts, premiums can be higher for specific driver profiles in Columbia. Get more details here, “State Farm Auto Insurance Review.”
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#2 – Progressive: Best for Competitive Rates
Pros
- Great Prices: Progressive has some of the best deals on auto insurance in Columbia, SC, giving drivers solid coverage at a good price.
- Low Monthly Payments: Progressive’s rates start at just $82 a month, making it easier for Columbia drivers to save money.
- Snapshot Savings: Progressive’s Snapshot program helps safe drivers in Columbia get even lower rates by rewarding good driving habits.
Cons
- Rate Increases Over Time: Some customers report rising premiums even after maintaining a clean driving record with the best Columbia, SC auto insurance.
- Limited Local Agents: Progressive primarily operates online, which may not suit Columbia drivers who prefer in-person service. Learn more by clicking here, “Progressive Insurance Review.”
#3 – American Family: Best for Flexible Options
Pros
- Flexible Policy Options: American Family offers customizable plans tailored to different driver needs in the best Columbia, SC, auto insurance market.
- Low Monthly Rates: Affordable auto insurance rates are available at $47 per month in Columbia, South Carolina. Discover more by clicking here, “American Family Auto Insurance Review.”
- Safe Driver Discounts: Responsible drivers with a clean record can benefit from significant savings on Columbia, SC auto insurance.
Cons
- Limited Availability: American Family may not have as many agents or offices compared to other best Columbia, SC auto insurance providers.
- Fewer Digital Tools: The company’s online tools and mobile apps are less advanced than some top-rated local insurance competitors in Columbia, SC.
#4 – Liberty Mutual: Best for Customizable Policies
Pros
- Comprehensive Coverage: Drivers in Columbia, SC can choose comprehensive coverage to protect against theft, vandalism, and natural disasters.
- Accident Forgiveness: Liberty Mutual gives drivers accident forgiveness, so their rates won’t go up after their first accident. This helps them save money on their coverage.
- Customizable Policies: Liberty Mutual lets drivers pick and choose their coverage, making it a great choice for auto insurance in Columbia, SC.
Cons
- Higher Premiums: Liberty Mutual’s base rates are often higher compared to other best Columbia, SC auto insurance companies for many drivers.
- Discount Availability Varies: Some discounts may not be available in all states or for all driver profiles, limiting potential savings. Get the full details here, “Liberty Mutual Insurance Review.”
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#5 – The Hartford: Best for Senior Drivers
Pros
- Perfect for Seniors: The Hartford focuses on insurance made for older drivers, making it a top choice for the best auto insurance in Columbia, SC.
- Budget-Friendly Rates: You can get coverage for as low as $49 a month in Columbia, giving you a great deal without sacrificing quality.
- AARP Member Benefits: Exclusive perks for AARP members, including extra savings, special discounts, rewards, deals, and benefits.
Cons
- Limited Younger Driver Discounts: Hartford focuses on senior drivers, so younger drivers may not get as many discounts in Columbia.
- Higher Rates Without AARP: Non-AARP members might pay more than other best Columbia, SC auto insurance providers. By learning more click here, “The Hartford Auto Insurance Review.”
#6 – Nationwide: Best for Multi-Policy Bundling
Pros
- Excellent Bundling Options: Nationwide offers substantial multi-policy discounts for the best Columbia, SC auto insurance, helping customers save more money easily.
- Low Monthly Rates: The data rates start at $69 monthly in Columbia, making coverage affordable for many local drivers today.
- Vanishing Deductible: Nationwide rewards safe drivers by reducing their deductible over time, encouraging better habits and long-term savings.
Cons
- Higher Base Rates: Nationwide’s standard rates are slightly higher than some top Columbia competitors in the market.
- Limited Local Agents: Fewer local branches than the best Columbia, SC auto insurance providers available today. Want to know more? Click here, “Nationwide Auto Insurance Review.”
#7 – Farmers: Best for Customizable Plans
Pros
- Flexible Coverage: They offer insurance plans you can customize to fit your needs, making them a great choice for auto insurance in Columbia, SC.
- Great Customer Support: Farmers makes filing claims easy and provides helpful, friendly service that puts customers first.
- Budget-Friendly: Insurance can be purchased for as low as $43 a month, making it an affordable and practical choice for many Columbia drivers.
Cons
- Unpredictable Rates: Farmers tend to charge higher rates for younger drivers in Columbia. For more information, click here, “Farmers Auto Insurance Review.”
- Discounts Can Be Limited: Some discounts may not be as extensive as those from other best Columbia, SC auto insurance providers.
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#8 – Allstate: Best for Trusted Reputation
Pros
- Strong Reputation: Allstate is a well-known and trusted brand that provides the best auto insurance coverage for physicians in Columbia, SC.
- Safe Driving Rewards: Allstate offers discounts and rewards for eligible customers with safe driving habits. Get details here, “Allstate Auto Insurance Review.”
- Low Monthly Rates: The affordable data rates start at just $78 per month for all licensed medical professionals working in Columbia and nearby areas.
Cons
- Higher Premiums for Some: Allstate’s base rates may be more expensive than those of other best Columbia, SC auto insurance providers.
- Claims Process Takes Time: The claim process can sometimes take longer than expected, causing frustration for many customers.
#9 – Geico: Best for Low Rates
Pros
- Low Prices: Geico has some of the cheapest rates for auto insurance in Columbia, SC, so drivers can save money on coverage.
- Simple Online Tools: Geico makes it easy to manage your policy with a simple website and app. You can make payments, file claims, and update your info without any hassle.
- Low Monthly Rates: The data rates start at $53 per month in Columbia, making it easier for budget-conscious drivers to stay insured.
Cons
- Limited Personalized Service: Geico relies heavily on online service, which may not work for everyone in Columbia. Explore details here, “Geico Auto Insurance Review.”
- Discount Rules: Discounts vary by state, so eligibility depends on factors like age, history, location, coverage, and insurer rules in South Carolina.
#10 – AAA: Best for Roadside Assistance
Pros
- AAA Member Discounts: AAA members can save even more on auto insurance, making getting quality coverage at a lower cost easier.
- Excellent Roadside Assistance: AAA is known for top-tier roadside help, making it a great choice for the best Columbia, SC auto insurance.
- Low Monthly Rates: In Columbia, rates start at just $33 a month, giving drivers an easy and affordable way to stay protected on the road.
Cons
- Membership Required: You must be an AAA member to access certain benefits for the best Columbia, SC auto insurance. Curious? Click here, “AAA Auto Insurance Review.”
- Limited Availability: Depending on your insurer and policy details, some discounts and coverage options may not be available in all areas.
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Cheap Car Insurance in Columbia, SC
Do you require some cheap auto insurance in Columbia, SC? With AutoInsuranceEZ.com, you’ll get the lowest possible price on local insurance rates. To find free car insurance estimates from the highest-rated providers right away, enter your postal code into the quote box on this site.
Columbia, SC Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $33 | $89 |
| $78 | $138 |
| $47 | $121 |
| $43 | $95 |
| $53 | $95 |
| $171 | $285 |
| $69 | $122 |
| $82 | $130 |
| $38 | $86 |
| $49 | $110 |
The fact that Columbia is both centrally located and the state capital is by design, not coincidence. The city boasts a robust and diversified economy, serving the state as an industrial, agricultural, historical, and cultural powerhouse with various discount opportunities.
Auto Insurance Discounts From the Top Providers in Columbia, SC
| Insurance Company | Available Discounts |
|---|---|
| Multiple Policies, Multiple Vehicles, Anti-Theft Devices, Good Driver, Defensive Driver, Student Away at School, Driver Training, Homeowner, Military, Garage Parking, Original Owner |
| Multi-policy, Good Student, Safe Driving, New Car, Anti-theft |
| Good Student, Multiple Policies, Anti-Theft, Anti-Lock Brakes, Air Bags, Good Driver, Defensive Driver, Student Away at School, Driver Training, Green Vehicles, Advanced Purchase, Pay in Full, Home Owner, eSign or ePay, New Vehicle, Military |
| Multi-policy, Bundling, Safe Driving, Good Student |
| Multi-policy, Good Student, Safe Driver, Military, Anti-theft |
| Multi-policy, Safe Driving, Hybrid/Green Vehicle, New Car |
| Defensive Driver, Student Away at School, Driver Training, Good Student, Green Vehicles, Affinity Membership, Advanced Purchase, Pay in Full, Multi-Vehicle, Multi-Policy, Military |
| Multi-vehicle, Bundling, Safe Driving, Online, Snapshot |
| Multi-vehicle, Safe Driving, Bundling, Student, Vehicle Safety |
| Hybrid/Electric Vehicle, Defensive Driver, Good Driver, New Car, Homeowner, Online Quote, Early Sign Up |
Columbia earned the #2 spot on the Partners for Livable Communities list of “Most Livable Mid-Sized Cities,” recognizing its strong economy, vibrant culture, and high quality of life.
Read more: Auto Insurance Coverage Options
Auto Insurance Coverage Requirements in South Carolina
South Carolina is unique in that it doesn’t require you to buy extra forms of coverage, such as Roadside Assistance or Medical Payments. This is good in that it makes your monthly rates cheaper. However, it also makes it that much more likely that you will incur serious financial expenses in the event of getting injured, or getting stranded out in the middle of nowhere.
Senior drivers in Columbia, SC can get the best auto insurance by choosing providers like State Farm, which offers competitive rates, strong coverage, and valuable discounts.
Jimmy McMillan Licensed Insurance Agent
The state average in South Carolina can range around $110 per month, but rates in Columbia can be as low as $35/month for many drivers. Depending on your personal circumstances, you can get great coverage for a low monthly rate, too.
The most affordable rates in Columbia come from providers such as Nationwide and State Auto. But does a lower rate automatically make them the best company? There are other factors to consider, such as customer service and the claims filing process, before you decide which company gets your business.
Companies which provide you with auto insurance policies evaluate numerous factors while calculating insurance premiums, including gender, driving violations, type of vehicle owned, education, and theft protection devices.
Columbia, SC Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | A | High traffic volume |
| Weather-Related Risks | A | Low weather-related claims |
| Average Claim Size | B | Average claim amounts |
| Vehicle Theft Rate | B | Moderate theft incidents |
| Uninsured Drivers Rate | C | Significant uninsured drivers |
Also remember that rates may vary from carrier to carrier. To ensure that you are still being offered the lowest-cost premium, review cheap Columbia auto insurance quotes right now online.
Major Car Insurance Factors in Columbia
Any time your automobile insurance company prepares to come up with your policy, they take lots of aspects under consideration, including car insurance discounts. Some of these, such as the make/model of your vehicle or your exact address, can be unfeasible to improve. Here are a few additional examples:
Automotive Accidents
If your zip code has high accident rates, then odds are you will have to face higher insurance premiums than drivers in nearby cities. As you can see in the chart below, Columbia has its fair share of deadly accidents. However, considering the total population, these numbers are relatively low.
Talk to your insurance company about safe driver discounts if you think these numbers may be influencing your rate. Compare Auto Insurance Companies to find the best deal.
Your Zip Code
For most people, the most affordable auto insurance is generally associated with cities with a smaller population density. Because there are less cars on the roads and highways, there are a lesser number of possibilities to get involved in a significant car accident with a different driver. The population of Columbia is actually 133,358 and also the common family earnings are $41,095.
Your Vehicle
If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive, luxury vehicle. And an inexpensive car doesn’t require an extensive, comprehensive insurance policy.
Your Driving Record
As one would expect, the cleaner your driving record is, the less you can expect to pay for your automotive insurance each month. Some companies offer “Accident forgiveness” discounts, which might be helpful if your record is less than perfect.
Columbia, SC Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents Per Year | 5,000 |
| Claims Per Year | 4,200 |
| Average Claim Size | $3,500 |
| Percentage of Uninsured Drivers | 14% |
| Vehicle Theft Rate | 150 thefts/year |
| Traffic Density | Moderate |
However, your rates will likely increase if you start collecting speeding tickets or other moving violations, as insurers see these as signs of risky driving. The more violations you have, the higher your premiums since companies may view you as more likely to file a claim.
Read more: Ultimate Road Safety Guide
Auto Thefts in Columbia
Acquiring inexpensive auto insurance will often be difficult should you be at a high risk for auto theft. Specific common automobile models are more desirable to thieves, and vehicles that are left often in huge urban centers are particularly vulnerable. The total quantity of vehicles stolen in 2013 amounted to 791 for the city of Columbia.
State Farm is the real deal protection for your valuables when trouble strikes. @sza pic.twitter.com/7nPElmBS7u
— State Farm (@StateFarm) March 10, 2025
Not only is per capita theft high, but it’s on the rise from previous years. So having Comprehensive coverage on your policy is a very important thing for Columbia drivers, and an anti-theft device discount can help lower costs.
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Minor Car Insurance Factors in Columbia
Many small things can affect your auto insurance rates in Columbia, SC. Your marital status, gender, coverage choices, and education level all matter. Bundling policies, changing deductibles, or having a degree might help you save. Knowing these details can help you get the cheapest insurance in South Carolina.
Read more: How Accidents Change Your Car Insurance Rate
Your Marital Status
It’s not that being married makes you more or less likely to get into an accident, statistically speaking. However, insurance companies love it when you bundle policies together. Spouses are in a great position to save by giving their insurance company what they want and bundling their policies.
You can even bundle homeowners, renters, or other types of insurance with auto insurance quotes in Columbia, SC, helping you save money and simplify your coverage—as long as all policies are offered by your insurer.
Read more: Factors that Affect Your Car Insurance Premium
Your Coverage and Deductibles
Most auto insurance providers offer flexibility with Columbia car insurance, allowing you to adjust coverage based on your needs, lower monthly payments, and increase coverage by raising your deductible.
Yes, repairs or replacements may cost more upfront, but you can save extra money with lower payments over time. This strategy works well if you set aside the savings for future expenses, helping you manage unexpected costs without financial strain.
Read more: An Explanation of Deductibles
Education in Columbia, South Carolina
More than 21% of Columbia residents have a bachelor’s degree, while another fifth of the population (20%) have successfully made it through all of high school. But did you know that owning an advanced degree can give you hundreds of dollars’ worth of savings on car insurance? It’s true!
Car insurance is without doubt one of the most essential financial investments you may make as an automobile owner. You’ll want to ensure you discover a genuine, responsible company which will follow through on their claims for cheap car insurance in South Carolina.
Some auto insurance agencies are usually much better at this than others, and performing a thorough web based investigation may help you distinguish the good from the undesirable.
Read more: Cheap Car Insurance Rates
Case Studies: Finding the Best Columbia, SC Auto Insurance
Choosing the right auto insurance in Columbia, South Carolina, depends on individual needs. Below are three real-life examples of how different drivers found the best coverage at the right price.
Case Study 1: Family Lowers Costs with American Family’s Discounts
A family of four wanted strong coverage without overspending. By bundling home and auto insurance with American Family, they saved 20% and got reliable protection. Knowing their home and loved ones were covered gave them real peace of mind.
Case Study 2: Senior Driver Saves with State Farm
At 67 and retired, James wanted good coverage at a fair price. After shopping around, he chose State Farm for its low rates, great service, and senior discounts, saving him $200 a year. He also liked how simple it was to handle everything online.
Case Study 3: Young Driver Benefits from Progressive’s Flexibility
At 22, Emily needed to save money. She wanted a cheap policy with easy payments. Progressive’s plans and accident forgiveness made it a great fit, keeping her covered without stress. Now, she drives worry-free, knowing she’s protected.
These stories show that the best auto insurance in Columbia, SC, depends on what you need. Comparing top companies like State Farm, Progressive, and American Family can help you find the right mix of coverage, service, and savings.
Read more:
Picking the Right Auto Insurance in Columbia, SC
Getting the best Columbia, SC auto insurance means finding a good mix of price, coverage, and service. State Farm is known for great customer support and fair rates, Progressive offers flexible plans for different budgets, and American Family gives helpful discounts for families and loyal customers.
Checking out these top companies helps drivers find the right match. Whether you need cheap rates, full coverage, or a plan that works for you, the right insurer keeps you safe and stress-free on the road. With the right choice, you can save money and drive with confidence. Enter your ZIP code to compare quotes instantly and find the cheapest insurance available.
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Frequently Asked Questions
What factors affect my car insurance rates in Columbia, SC?
Car insurance companies in Columbia, SC, consider several factors when determining your rates. These include your driving record, age, credit score, type of vehicle, and location. Comparing car insurance quotes in Columbia, SC, can help you find the best rate for your situation.
How can I find cheap car insurance in Columbia, SC?
To find cheap car insurance in Columbia, SC, shop around and compare rates from different providers. Maintaining a clean driving record, bundling policies, and taking advantage of discounts can also lower your costs. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
What is the cheapest car insurance in South Carolina?
The cheapest car insurance in SC depends on your driving history, coverage needs, and location. Some providers specialize in cheap auto insurance in Columbia, SC, while others offer better rates for full coverage. Get the full scoop in our guide, “Cheap Auto Insurance from $39?”
How do I get car insurance quotes in Columbia, SC?
You can get car insurance quotes in Columbia, SC, online, over the phone, or by visiting an agent. Be sure to compare quotes from multiple auto insurance companies in Columbia, SC, to get the best deal.
Who offers the best car insurance in South Carolina?
The best car insurance in South Carolina depends on your needs. Some insurers focus on affordable auto insurance in South Carolina, while others provide more comprehensive coverage. Research different companies to find the best fit for you.
What coverage do I need for my car in Columbia, SC?
South Carolina requires minimum liability coverage, but you may want additional protection. Many car insurance companies in Columbia, SC, offer collision, comprehensive, and uninsured motorist coverage options. Find everything you need in our guide, “Auto Insurance Coverage: What events are and are not covered by your policy?”
Can I get affordable auto insurance in South Carolina with a bad driving record?
Yes, some providers offer affordable auto insurance in South Carolina, even if you have accidents or violations. To find cheap local auto insurance, compare policies and look for insurers specializing in high-risk drivers.
How can I compare auto insurance rates by ZIP code?
To compare auto insurance rates by ZIP code, use online tools that provide quotes based on your location. Different areas in Columbia may have varying rates due to traffic patterns, crime rates, and claim history.
Are there discounts available for cheap auto insurance in South Carolina?
Yes! Many companies offering cheap auto insurance in South Carolina provide discounts for safe driving, bundling policies, paying in full, or taking defensive driving courses. Always ask about available discounts when getting a quote. Need more info? Click our guide, “Roadside Assistance Discounts: How Much Can You Save?”
What should I look for in an auto insurance company in Columbia, SC?
When choosing among auto insurance companies in Columbia, SC, consider customer service, claim handling, coverage options, and price. The right company will offer both reliable protection and affordable car insurance in South Carolina that fits your budget. Ready to find affordable car insurance? Use our free comparison tool to get started.