Cheap Car Insurance in Columbia, SC (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 9, 2025
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Cheap Car Insurance in Columbia, SC (July 2025)

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Columbia is known for its pleasant quality of life, but residents are not immune to traffic woes. Drivers still have to contend with construction in Five Points, trying to find parking at Soda City Market and navigating the Carolina Crossroads (a.k.a. “Malfunction Junction”). Plus, the state has a car crash every few minutes — and a fatal one every nine hours —  according to data from the South Carolina Department of Public Safety.

Whether you’re tooling around the statehouse or going to catch the Gamecocks, you’ll need car insurance. Here are the cheapest car insurance quotes in Columbia based on factors such as age, ZIP code and driving record.

More: Best car insurance in South Carolina

Cheapest minimum coverage insurance in Columbia

South Carolina requires drivers to carry these minimum coverages:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $25,000 in property damage liability.
  • $25,000 in uninsured motorist bodily injury per person.
  • $50,000 in uninsured motorist bodily injury per accident.
  • $25,000 in uninsured motorist property damage per accident.

Here are the cheapest quotes in Columbia, South Carolina for Jerry customers with minimum coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$52 $628 Progressive 65 January 13, 2025 Columbia, SC 29223
$66 $794 Progressive 47 June 27, 2025 Columbia, SC 29209
$68 $812 National General 39 February 25, 2025 Columbia, SC 29223
$76 $911 Safeco 31 March 27, 2024 Columbia, SC 29203
$79 $952 Progressive 28 April 6, 2025 Columbia, SC 29212
$81 $972 Progressive 52 June 27, 2025 Columbia, SC 29229
$85 $1,014 Progressive 65 June 10, 2025 Columbia, SC 29204
$85 $1,020 Progressive 37 June 28, 2025 Columbia, SC 29212
$87 $1,048 Progressive 21 January 21, 2025 Columbia, SC 29201
$90 $1,082 Progressive 36 June 19, 2025 Columbia, SC 29212
Last Updated Jul 10, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

More: Cheapest car insurance in South Carolina

Cheapest full coverage insurance in Columbia

According to FEMA’s National Risk Index, Columbia has a relatively high risk of strong winds, tornados and ice storms, creating conditions that could cause damage to your vehicle. Minimum coverage won’t compensate you if your vehicle is damaged due to a weather-related event, but full coverage could. It can also pay for damage caused by collisions, vandalism, theft and many other situations. 

Here are the cheapest full coverage quotes that drivers in Columbia have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$81 $972 Progressive 52 June 27, 2025 Columbia, SC 29229
$85 $1,014 Progressive 74 January 3, 2025 Columbia, SC 29212
$85 $1,020 Progressive 37 June 28, 2025 Columbia, SC 29212
$92 $1,102 Progressive 27 March 11, 2024 Columbia, SC 29205
$110 $1,316 Progressive 50 July 4, 2025 Columbia, SC 29210
$112 $1,340 Progressive 52 December 7, 2024 Columbia, SC 29223
$116 $1,390 Progressive 33 January 30, 2025 Columbia, SC 29229
$116 $1,394 Progressive 65 January 13, 2025 Columbia, SC 29223
$119 $1,432 Progressive 50 June 27, 2025 Columbia, SC 29212
$120 $1,440 Progressive 47 June 27, 2025 Columbia, SC 29209
Last Updated Jul 10, 2025

More: Best car insurance companies

Cheapest car insurance for young drivers in Columbia (18-29 years old)

Young drivers usually pay higher premiums because insurers view their lack of experience as a risk. Getting quotes for a few insurers may help you find the appropriate coverage at the lowest price. Here are the cheapest quotes that young drivers in Columbia have received through Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$79 $952 Progressive 28 No April 6, 2025 Columbia, SC 29212
$87 $1,048 Progressive 21 No January 21, 2025 Columbia, SC 29201
$92 $1,102 Progressive 27 Yes March 11, 2024 Columbia, SC 29205
$94 $1,124 Progressive 27 No April 11, 2025 Columbia, SC 29212
$95 $1,144 Progressive 27 No May 30, 2025 Columbia, SC 29223
Last Updated Jul 10, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Columbia (30-54 years old)

Drivers between 30 and 54 years old have more driving experience than younger drivers, which means they usually pay lower premiums. Here are the cheapest quotes that mature drivers in Columbia have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$66 $794 Progressive 47 No June 27, 2025 Columbia, SC 29209
$68 $812 National General 39 No February 25, 2025 Columbia, SC 29223
$76 $911 Safeco 31 No March 27, 2024 Columbia, SC 29203
$81 $972 Progressive 52 Yes June 27, 2025 Columbia, SC 29229
$85 $1,020 Progressive 37 Yes June 28, 2025 Columbia, SC 29212
Last Updated Jul 10, 2025

Cheapest car insurance for older drivers in Columbia (55+ years old)

Drivers 55 and older typically get some of the lowest insurance premiums, although costs might rise once a driver reaches their 70s. These are the cheapest quotes that seniors in Columbia have been quoted via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$52 $628 Progressive 65 January 13, 2025 Columbia, SC 29223 No
$85 $1,014 Progressive 65 June 10, 2025 Columbia, SC 29204 No
$85 $1,014 Progressive 74 January 3, 2025 Columbia, SC 29212 Yes
$98 $1,172 Bristol West 63 February 16, 2024 Columbia, SC 29223 No
$119 $1,432 National General 63 August 12, 2024 Columbia, SC 29203 No
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with clean records in Columbia

A clean driving record can help you keep your premiums as low as possible. Here are the cheapest quotes that drivers with clean records in Columbia have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$76 $911 Safeco 31 March 27, 2024 No Columbia, SC 29203
$81 $972 Progressive 52 June 27, 2025 Yes Columbia, SC 29229
$85 $1,014 Progressive 65 June 10, 2025 No Columbia, SC 29204
$85 $1,014 Progressive 74 January 3, 2025 Yes Columbia, SC 29212
$85 $1,020 Progressive 37 June 28, 2025 Yes Columbia, SC 29212
$87 $1,048 Progressive 21 January 21, 2025 No Columbia, SC 29201
$90 $1,082 Progressive 36 June 19, 2025 No Columbia, SC 29212
$92 $1,102 Progressive 27 March 11, 2024 Yes Columbia, SC 29205
$95 $1,144 Progressive 27 May 30, 2025 No Columbia, SC 29223
$96 $1,146 Progressive 50 June 27, 2025 No Columbia, SC 29212
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with low credit scores in Columbia

South Carolina currently allows insurers to use credit scores to determine a driver’s premiums, although a bill to prohibit this was introduced in 2025. Until then, check out the cheapest quotes for drivers in Columbia with credit scores below 550, based on Jerry’s quote data.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $85 $1,014 Progressive 65 June 10, 2025 Columbia, SC 29204
<550 $94 $1,124 Progressive 27 April 11, 2025 Columbia, SC 29212
<550 $110 $1,316 Progressive 50 July 4, 2025 Columbia, SC 29210
<550 $112 $1,340 Progressive 52 December 7, 2024 Columbia, SC 29223
<550 $144 $1,724 The General 48 May 31, 2024 Columbia, SC 29204
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with at-fault accidents in Columbia

Having an at-fault accident on your record can increase your insurance premiums, so it’s a good idea to compare quotes from multiple insurers to find the best rate. Here are the cheapest quotes that drivers with at-fault accidents have received via Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $52 $628 Progressive 65 No January 13, 2025 Columbia, SC 29223
At Fault With No Injury $66 $794 Progressive 47 No June 27, 2025 Columbia, SC 29209
At Fault With No Injury $113 $1,356 Progressive 51 No June 20, 2025 Columbia, SC 29203
At Fault With No Injury $116 $1,390 Progressive 33 Yes January 30, 2025 Columbia, SC 29229
At Fault With No Injury $125 $1,500 Progressive 52 Yes June 30, 2025 Columbia, SC 29210
Last Updated Jul 10, 2025

Cheapest car insurance for drivers with speeding tickets in Columbia

A speeding violation typically causes your insurance bill to rise, and the amount of this increase depends on how fast you were going when you got ticketed. Check out the cheapest quotes that drivers in Columbia with speeding citations have received via Jerry.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $66 $794 Progressive 47 June 27, 2025 Columbia, SC 29209
Speeding under 15 $112 $1,340 Progressive 52 December 7, 2024 Columbia, SC 29223
Speeding under 15 $116 $1,390 Progressive 33 January 30, 2025 Columbia, SC 29229
Speeding under 15 $119 $1,432 National General 63 August 12, 2024 Columbia, SC 29203
Speeding under 15 $142 $1,708 Safeco 39 February 4, 2025 Columbia, SC 29206
Last Updated Jul 10, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.