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.
If you have a loan or lease on your vehicle, the lender will require
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $55 | $660 | 37 | 06/13/25 | 29223 | ||
| $77 | $922 | 45 | 06/25/25 | 29209 | ||
| $81 | $972 | 54 | 10/27/25 | 29203 | ||
| $87 | $1,046 | 42 | 06/20/25 | 29229 | ||
| $91 | $1,088 | 52 | 07/13/25 | 29229 | ||
| $94 | $1,128 | 43 | 05/29/25 | 29223 | ||
| $95 | $1,134 | 45 | 10/01/25 | 29203 | ||
| $95 | $1,136 | 44 | 06/26/25 | 29212 | ||
| $95 | $1,142 | 37 | 07/09/25 | 29205 | ||
| $96 | $1,148 | 45 | 10/02/25 | 29209 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $26 | $314 | 27 | No | 05/29/25 | 29223 | ||
| $27 | $327 | 26 | No | 10/24/25 | 29229 | ||
| $74 | $882 | 25 | No | 11/03/25 | 29210 | ||
| $90 | $1,076 | 23 | No | 08/22/25 | 29205 | ||
| $93 | $1,118 | 23 | No | 10/20/25 | 29212 | ||
| $94 | $1,128 | 43 | 05/29/25 | 29223 | |||
| $95 | $1,134 | 45 | 10/01/25 | 29203 | |||
| $95 | $1,136 | 44 | 06/26/25 | 29212 | |||
| $95 | $1,142 | 37 | 07/09/25 | 29205 | |||
| $96 | $1,148 | 45 | 10/02/25 | 29209 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $20 | $243 | 35 | No | 10/15/25 | 29223 | ||
| $21 | $255 | 33 | No | 07/10/25 | 29210 | ||
| $21 | $257 | 38 | No | 08/02/25 | 29223 | ||
| $23 | $274 | 30 | No | 06/09/25 | 29210 | ||
| $45 | $540 | 37 | No | 06/13/25 | 29223 | ||
| $94 | $1,128 | 43 | 05/29/25 | 29223 | |||
| $95 | $1,134 | 45 | 10/01/25 | 29203 | |||
| $95 | $1,136 | 44 | 06/26/25 | 29212 | |||
| $95 | $1,142 | 37 | 07/09/25 | 29205 | |||
| $96 | $1,148 | 45 | 10/02/25 | 29209 |
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 Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| $73 | $880 | 65 | 09/26/25 | 29223 | No | ||
| $80 | $956 | 68 | 08/10/25 | 29210 | No | ||
| $94 | $1,130 | 75 | 09/27/25 | 29201 | No | ||
| $98 | $1,178 | 64 | 08/14/25 | 29203 | Yes | ||
| $104 | $1,248 | 58 | 11/04/25 | 29223 | Yes | ||
| $94 | $1,128 | 43 | 05/29/25 | 29223 | |||
| $95 | $1,134 | 45 | 10/01/25 | 29203 | |||
| $95 | $1,136 | 44 | 06/26/25 | 29212 | |||
| $95 | $1,142 | 37 | 07/09/25 | 29205 | |||
| $96 | $1,148 | 45 | 10/02/25 | 29209 |
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 Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $20 | $243 | 35 | 10/15/25 | No | 29223 | ||
| $21 | $255 | 33 | 07/10/25 | No | 29210 | ||
| $21 | $257 | 38 | 08/02/25 | No | 29223 | ||
| $23 | $274 | 30 | 06/09/25 | No | 29210 | ||
| $26 | $314 | 27 | 05/29/25 | No | 29223 | ||
| $27 | $327 | 26 | 10/24/25 | No | 29229 | ||
| $45 | $540 | 37 | 06/13/25 | No | 29223 | ||
| $50 | $596 | 41 | 08/15/25 | No | 29223 | ||
| $58 | $690 | 38 | 06/17/25 | No | 29223 | ||
| $58 | $700 | 43 | 06/21/25 | No | 29210 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $78 | $940 | 41 | 01/07/25 | 29210 | ||
| <550 | $106 | $1,266 | 59 | 06/27/25 | 29223 | ||
| <550 | $112 | $1,342 | 61 | 03/31/25 | 29203 | ||
| <550 | $130 | $1,564 | 42 | 09/07/25 | 29223 | ||
| <550 | $140 | $1,680 | 36 | 01/17/25 | 29209 | ||
| $27 | $327 | 26 | 29229 | ||||
| $45 | $540 | 37 | 29223 | ||||
| $50 | $596 | 41 | 29223 | ||||
| $58 | $690 | 38 | 29223 | ||||
| $58 | $700 | 43 | 29210 |
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 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 | $106 | $1,266 | 59 | No | 06/27/25 | 29223 | ||
| At Fault With No Injury | $116 | $1,390 | 33 | Yes | 02/01/25 | 29229 | ||
| At Fault With No Injury | $122 | $1,458 | 55 | Yes | 04/04/25 | 29210 | ||
| At Fault With No Injury | $140 | $1,680 | 36 | No | 01/17/25 | 29209 | ||
| At Fault With No Injury | $145 | $1,734 | 52 | No | 07/18/25 | 29223 | ||
| $27 | $327 | 26 | No | 29229 | ||||
| $45 | $540 | 37 | No | 29223 | ||||
| $50 | $596 | 41 | No | 29223 | ||||
| $58 | $690 | 38 | No | 29223 | ||||
| $58 | $700 | 43 | No | 29210 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $105 | $1,264 | 40 | 10/13/25 | 29210 | ||
| Speeding under 15 | $109 | $1,308 | 50 | 10/15/25 | 29210 | ||
| Speeding under 15 | $114 | $1,372 | 47 | 07/14/25 | 29209 | ||
| Speeding under 15 | $115 | $1,379 | 51 | 08/08/25 | 29223 | ||
| Speeding under 15 | $118 | $1,414 | 40 | 05/06/25 | 29209 | ||
| $27 | $327 | 26 | 10/24/25 | 29229 | |||
| $45 | $540 | 37 | 06/13/25 | 29223 | |||
| $50 | $596 | 41 | 08/15/25 | 29223 | |||
| $58 | $690 | 38 | 06/17/25 | 29223 | |||
| $58 | $700 | 43 | 06/21/25 | 29210 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
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.
