Cheapest Car Insurance In Columbia, MD 2025
In Columbia, GEICO is the most affordable choice for minimum coverage auto insurance, costing around $114 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of car insurance in Columbia, MD, varies significantly when looking for the cheapest rates.
If you need the cheapest liability-only car insurance, GEICO is the top pick. Again, GEICO offers the best prices for full coverage, and young drivers will find Progressive to be the most budget-friendly option.
Cheapest Car Insurance Companies In Columbia, MD 2025
Cheapest Liability-only Car Insurance In Columbia: GEICO
With an average monthly rate of $114, GEICO provides the cheapest minimum coverage car insurance in Columbia.
Check the table below to see how different insurance companies compare in pricing.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $114 | $1,368 |
| Progressive | $156 | $1,872 |
| State Farm | $128 | $1,536 |
| Travelers | $172 | $2,064 |
| Allstate | $229 | $2,748 |
Cheapest Full Coverage Insurance Rates In Columbia: GEICO
In Columbia, GEICO provides the cheapest full coverage car insurance, costing around $173 monthly.
Check the table below for a comparison of average auto insurance rates from affordable companies in Columbia.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $173 | $2,076 |
| Progressive | $225 | $2,700 |
| State Farm | $187 | $2,244 |
| Travelers | $251 | $3,012 |
| Erie | $214 | $2,568 |
Cheapest Car Insurance Rates For Seniors: State Farm
Seniors in Columbia can find the cheapest car insurance with State Farm, which costs around $146 per month.
Check the table below for a comparison of average rates from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $146 | $1,752 |
| Progressive | $164 | $1,968 |
| Travelers | $196 | $2,352 |
| Erie | $166 | $1,992 |
| National General | $226 | $2,712 |
Cheapest Rates In Columbia For Teenagers: GEICO
Teen drivers in Columbia can get the lowest rates from GEICO, which charges around $270 per month on average.
Check the table below for a comparison of the most affordable insurance companies for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $270 | $3,240 |
| Erie | $346 | $4,152 |
| Progressive | $379 | $4,548 |
| Travelers | $445 | $5,340 |
| Elephant | $474 | $5,688 |
Cheapest Auto Insurance For Young Adults in Columbia: Progressive
With an average monthly cost of $164, Progressive provides the most affordable insurance quotes for young adults in Columbia.
Use the following table to see which insurers offer the cheapest car insurance rates for young adults in Columbia.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $164 | $1,968 |
| State Farm | $169 | $2,028 |
| Travelers | $197 | $2,364 |
| Erie | $168 | $2,016 |
| National General | $228 | $2,736 |
Cheapest Car Insurance In Columbia For Good Drivers: GEICO
In Columbia, good drivers can get the most affordable car insurance from GEICO, costing about $114 a month.
If you have a clean driving record, check the table below for average quotes from the cheapest insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $114 | $1,368 |
| Progressive | $156 | $1,872 |
| State Farm | $128 | $1,536 |
| Travelers | $172 | $2,064 |
| Allstate | $229 | $2,748 |
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Cheapest Car Insurance In Columbia After A Speeding Ticket: State Farm
For drivers with a speeding ticket, State Farm provides some of the lowest rates in Columbia, averaging $154 per month.
If you have a speeding ticket, check the table below for a comparison of average insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $154 | $1,848 |
| Progressive | $190 | $2,280 |
| Root | $224 | $2,688 |
| Travelers | $216 | $2,592 |
| Allstate | $283 | $3,396 |
Cheapest For Drivers With After At-Fault Accident: GEICO
At $150 per month on average, GEICO offers the lowest car insurance rates for drivers responsible for an accident.
Below are the insurers that provide the most affordable rates for drivers who have caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $150 | $1,800 |
| Progressive | $205 | $2,460 |
| Travelers | $226 | $2,712 |
| State Farm | $168 | $2,016 |
| Allstate | $297 | $3,564 |
Cheapest Rates In Columbia For Drivers After A DUI: State Farm
After a DUI, Columbia drivers can find the cheapest insurance with State Farm, where rates average $182 per month.
If you have a DUI in Columbia, check the table below for the lowest car insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $182 | $2,184 |
| Progressive | $243 | $2,916 |
| Root | $236 | $2,832 |
| Nationwide | $414 | $4,968 |
| Travelers | $274 | $3,288 |
Best Car Insurance Companies In Columbia
Columbia drivers can get the most budget-friendly insurance from GEICO for $114 a month, with State Farm at $128 and Erie at $146 as other great options.
The table below presents the top 10 car insurance providers in Columbia, MD, ordered by their average monthly rates.
| Company | Monthly Premium |
| GEICO | $114 |
| Progressive | $156 |
| State Farm | $128 |
| Travelers | $172 |
| Allstate | $229 |
| Erie | $146 |
| Root | $167 |
| Elephant | $186 |
| Nationwide | $263 |
| National general | $185 |
Average Auto Insurance Rates In Columbia – By Age
Car insurance companies consider age an important factor when calculating rates. Since younger drivers have less experience and are more prone to accidents, their premiums are typically higher. Teen drivers can expect to pay around $3,236 annually.
At age 25, drivers typically see lower insurance premiums, as long as they keep a good driving record.
Insurance companies generally provide the best rates to drivers in their 50s and early 60s, factoring in age to assess risk and experience
| Age | Average Yearly Rate |
| Teenagers | $3,236 |
| 20s | $1,939 |
| 30s | $1,314 |
| 40s | $1,368 |
| 50s | $1,257 |
| 60s | $1,146 |
| 70s | $1,080 |
Average Rates In Columbia – By Vehicle
The kind of car you drive is a key factor in determining your insurance costs. Insurers consider details like the vehicle’s make, model, year, and body type, with newer luxury cars often having the highest rates.
Check the table below to compare average car insurance rates in Columbia based on vehicle type.
| Vehicle | Average Monthly Rate |
| Chevrolet Sonic | $98 |
| Kia Rio | $157 |
| Ford Fusion | $94 |
| Kia Forte | $197 |
| Toyota Highlander | $114 |
How Much Is Car Insurance In Other Cities in Maryland?
Your location plays a significant role in determining your car insurance rates. Higher risks, such as accidents, theft, and vandalism—especially in cities—can result in more expensive coverage.
Car insurance costs vary by city—Baltimore drivers pay around $203 per month, while Cumberland residents pay an average of $113.
| City | Average Monthly Rate |
| Rockville | $132 |
| Bethesda | $127 |
| Silver Spring | $156 |
| Capitol Heights | $195 |
| Baltimore | $203 |
| Gaithersburg | $147 |
| Hyattsville | $191 |
| Bowie | $167 |
| Cumberland | $113 |
| Upper Marlboro | $175 |
Average Cost Of Auto Insurance In Columbia – By Zip Code
Since crime rates differ by zip code, insurance companies adjust car insurance premiums accordingly.
Use the table below to compare insurance rates across different zip codes in Columbia.
| Zip Code | Average Monthly Rate |
| 21046 | $127 |
| 21150 | $124 |
| 21044 | $119 |
| 21075 | $103 |
| 21046 | $136 |
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Our Methodology
By examining key aspects such as customer satisfaction, coverage choices, pricing, and online reviews, I’ve developed a comprehensive overview of Columbia, MD car insurance market.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Columbia?
GEICO offers the lowest rates for basic coverage in Columbia, GEICO also has the best prices for full coverage, which includes both collision and comprehensive insurance.
What is the average cost of car insurance in Columbia?
Columbia drivers pay an average of $320 per month for car insurance, but actual rates depend on factors such as location, car type, and driving record.
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