Buy Cheap Columbia, SD Auto Insurance (2021)

Columbia, SD auto insurance rates average $316 a month. Minimum auto insurance requirements in Columbia, South Dakota are 25/50/25 to comply with South Dakota laws. To buy cheap auto insurance in Columbia, SD, compare Columbia auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Columbia, SD are $316/month
  • Average auto insurance rates in Columbia, SD for teens drivers are $7,404/year
  • The most expensive auto insurance company in Columbia after a DUI is Liberty Mutual

Finding affordable Columbia, South Dakota auto insurance can be challenging, but everything you need to know to buy cheap Columbia, SD auto insurance with confidence is right here. Auto insurance rates in Columbia are affected by local factors as well as personal ones like your driving record.

See how Columbia, SD car insurance rates compare to Vermillion auto insurance rates, Yankton auto insurance rates, and Sioux Falls auto insurance rates before you read more about the cost of auto insurance in Columbia.

Don’t buy Columbia, SD auto insurance until you’ve compared rates. Get free Columbia, South Dakota auto insurance quotes when you enter your ZIP code above.

Columbia, SD Minimum Auto Insurance Requirements

The required auto insurance in Columbia, SD is 25/50/25 according to the auto insurance laws in South Dakota. The minimum auto insurance in Columbia, South Dakota is outlined here.

Minimum Required Auto Insurance Coverage in Columbia, South Dakota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Columbia, SD Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Columbia, SD. Take a look at Columbia, South Dakota auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Columbia, South Dakota

Insurance Company Poor Fair Good
Allstate $5,773 $4,511 $3,916
American Family $5,654 $4,074 $3,451
Farmers $3,833 $3,244 $3,109
GEICO $4,316 $2,191 $1,484
Liberty Mutual $10,610 $6,365 $4,999
Nationwide $3,028 $2,388 $2,096
Progressive $3,709 $3,101 $2,869
State Farm $3,032 $1,813 $1,405

Buy Cheap Columbia, SD Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Columbia, South Dakota auto insurance rates? Find out how car insurance rates in Columbia, SD are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Columbia, South Dakota

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,478 $2,531 $2,186 $2,339 $10,236 $12,228 $2,804 $3,066
American Family $3,184 $3,184 $2,812 $2,812 $6,503 $9,548 $3,184 $3,917
Farmers $1,763 $1,766 $1,550 $1,615 $8,037 $8,355 $1,973 $2,101
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $4,141 $4,504 $3,267 $3,970 $15,785 $17,718 $4,360 $4,853
Nationwide $1,780 $1,829 $1,592 $1,700 $3,909 $5,045 $2,001 $2,174
Progressive $1,819 $1,784 $1,499 $1,549 $6,792 $7,712 $2,276 $2,381
State Farm $1,393 $1,393 $1,211 $1,211 $3,573 $4,568 $1,562 $1,759

Buy Cheap Columbia, SD Auto Insurance for Teen Drivers

Auto insurance for teenagers in Columbia can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Columbia, SD are listed here.

Annual Auto Insurance Rates for Teen Drivers in Columbia, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,236 $12,228
American Family $6,503 $9,548
Farmers $8,037 $8,355
GEICO $4,398 $5,174
Liberty Mutual $15,785 $17,718
Nationwide $3,909 $5,045
Progressive $6,792 $7,712
State Farm $3,573 $4,568

Buy Cheap Columbia, SD Auto Insurance for Seniors

You can save on senior auto insurance rates in Columbia, South Dakota by comparing Columbia senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Columbia, SD here.

Annual Auto Insurance Rates for Senior Drivers in Columbia, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,186 $2,339
American Family $2,812 $2,812
Farmers $1,550 $1,615
GEICO $2,041 $1,881
Liberty Mutual $3,267 $3,970
Nationwide $1,592 $1,700
Progressive $1,499 $1,549
State Farm $1,211 $1,211

Find Cheap Auto Insurance Rates in Columbia, SD by Coverage Level

The amount of coverage you choose is a big factor in the cost of Columbia, South Dakota auto insurance. Compare Columbia, SD auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Columbia, South Dakota

Insurance Company Low Medium High
Allstate $4,581 $4,724 $4,895
American Family $4,448 $4,526 $4,204
Farmers $3,243 $3,357 $3,586
GEICO $2,584 $2,660 $2,746
Liberty Mutual $7,201 $7,317 $7,456
Nationwide $2,363 $2,493 $2,655
Progressive $3,137 $3,196 $3,347
State Farm $2,006 $2,085 $2,159

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Find Cheap Columbia, SD Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Columbia. Compare auto insurance rates in Columbia, SD by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Columbia, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,618 $4,849
American Family $4,338 $4,448
Farmers $3,395 $3,395
GEICO $2,631 $2,696
Liberty Mutual $7,325 $7,325
Nationwide $2,504 $2,504
Progressive $3,226 $3,226
State Farm $2,032 $2,135

Find Cheap Columbia, SD Auto Insurance Rates by Driving Record

Auto insurance rates in Columbia, South Dakota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Columbia, SD, take a look at the average cost for various violations versus rates for a clean driving record in Columbia.

Annual Columbia, South Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,920 $4,560 $6,063 $4,390
American Family $3,192 $4,671 $6,053 $3,655
Farmers $2,892 $3,661 $3,571 $3,457
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $6,181 $7,655 $7,970 $7,493
Nationwide $1,819 $2,511 $3,581 $2,105
Progressive $2,780 $3,784 $2,998 $3,344
State Farm $1,942 $2,225 $2,084 $2,084

Find Cheap Columbia, SD Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Columbia, South Dakota is higher than for a clean driving record. You can buy auto insurance after a DUI in Columbia for less when you shop around and compare rates from multiple Columbia, SD auto insurance companies.

Annual Auto Insurance Rates After a DUI in Columbia, South Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,063
American Family $6,053
Farmers $3,571
GEICO $4,443
Liberty Mutual $7,970
Nationwide $3,581
Progressive $2,998
State Farm $2,084

Winners by Category: Where to Buy Cheap Auto Insurance in Columbia, SD

Compare rates from the cheapest auto insurance companies in Columbia, SD for your needs. Take a look at how Columbia, South Dakota auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Columbia, South Dakota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record GEICO
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Find Cheap Columbia, South Dakota Auto Insurance Companies

If you’re looking for the cheapest Columbia, SD auto insurance companies overall, you can compare them here. Find the best price for Columbia, South Dakota car insurance by company.

Average Annual Auto Insurance Rates by Company in Columbia, South Dakota

Insurance Company Average Annual Rates
Allstate $4,733
American Family $4,393
Farmers $3,395
GEICO $2,664
Liberty Mutual $7,325
Nationwide $2,504
Progressive $3,226
State Farm $2,084

What affects Columbia, South Dakota auto insurance rates?

Local factors affect auto insurance rates in Columbia, SD, including traffic, theft statistics, and commute length. Take a look at the things that impact Columbia auto insurance rates.

Auto Theft in Columbia

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Columbia, SD auto theft show a total of 97 vehicle thefts annually.

Commute Times in Columbia

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Columbia, SD is 22.8 minutes according to City-Data.

Traffic in Columbia

How is traffic in Columbia, South Dakota? Inrix data shows that Columbia, SD traffic makes it the 325th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Columbia, SD

You can buy cheap Columbia, SD auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Columbia, South Dakota auto insurance quotes from top companies.

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