Cheap Quotes for Columbia, MD Car Insurance (2021)

Columbia, Maryland car insurance rates average $400 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Columbia, MD companies, you can find cheap Columbia car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Columbia, MD for senior drivers are $3,100/year
  • Columbia has an average commute time of 30.3 minutes
  • Average car insurance rates in Columbia, MD after a DUI are $5,592/year

How do the Columbia, Maryland monthly average car insurance rates of $400/month compare to nearby cities like Bowie car insurance rates, Baltimore car insurance rates, and Laurel car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Columbia, MD.

We’ll cover the Maryland minimum coverage requirements, Maryland car insurance laws, and Columbia, MD statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Columbia, Maryland companies to find the most affordable Columbia car insurance rates.

Enter your ZIP code above to find cheap Columbia, MD car insurance quotes today.

What are the minimum Columbia, MD car insurance requirements?

To meet Maryland minimum car insurance coverage requirements, Columbia, MD drivers need to carry at least 30/60/15 coverage.

Minimum Required Car Insurance Coverage in Columbia, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Average Columbia, MD Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Columbia, MD you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Columbia, Maryland

ZIP Code Average Annual Rates
21044 $4,058
21045 $4,125
21046 $4,097

How do age, gender, and marital status affect Columbia, MD car insurance rates?

Three of the criteria that most affect car insurance rates in Columbia, Maryland are age, gender, and marital status. Let’s take a look at how each of these stack up with top Columbia car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Columbia, Maryland

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 $3,932 $3,761 $3,763 $3,864 $11,813 $13,913 $3,526 $3,559
GEICO $2,488 $2,722 $2,837 $3,278 $7,566 $8,603 $2,133 $2,238
Liberty Mutual $6,594 $6,594 $6,519 $6,519 $12,768 $18,907 $6,594 $8,869
Nationwide $2,046 $2,050 $1,852 $1,904 $4,821 $6,329 $2,372 $2,550
Progressive $2,700 $2,424 $2,350 $2,403 $9,834 $10,745 $3,148 $3,067
State Farm $2,466 $2,466 $2,272 $2,272 $7,893 $10,114 $2,759 $3,113
USAA $1,911 $1,875 $1,791 $1,782 $4,256 $5,010 $2,193 $2,442

How much do teen drivers pay for car insurance in Columbia, MD?

Columbia, Maryland car insurance rates for teens are often higher than rates for other drivers. Compare Columbia car insurance rates from multiple Columbia, Maryland car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Columbia, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,813 $13,913
GEICO $7,566 $8,603
Liberty Mutual $12,768 $18,907
Nationwide $4,821 $6,329
Progressive $9,834 $10,745
State Farm $7,893 $10,114
USAA $4,256 $5,010

How much do senior drivers pay for car insurance in Columbia, MD?

With a little research, seniors can find affordable car insurance in Columbia, Maryland. Here’s a look at how the top Columbia car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Columbia, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,763 $3,864
GEICO $2,837 $3,278
Liberty Mutual $6,519 $6,519
Nationwide $1,852 $1,904
Progressive $2,350 $2,403
State Farm $2,272 $2,272
USAA $1,791 $1,782

How does coverage level affect Columbia, MD car insurance rates?

How much coverage do you need? Are you comfortable with the Maryland minimum of 30/60/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Columbia, MD car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Columbia, Maryland

Insurance Company Low Medium High
Allstate $5,851 $5,975 $6,223
GEICO $3,840 $3,959 $4,150
Liberty Mutual $8,891 $9,147 $9,473
Nationwide $2,860 $3,000 $3,112
Progressive $4,367 $4,587 $4,798
State Farm $3,945 $4,184 $4,380
USAA $2,513 $2,666 $2,793

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How does your driving record affect Columbia, MD car insurance rates?

Safe driving pays off. The more traffic violations you have in Columbia, MD, the higher your car insurance rates will be. Compare rates based on driving infractions from top Columbia, Maryland companies.

Annual Columbia, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,311 $7,106 $5,311 $6,338
GEICO $2,818 $4,402 $5,370 $3,342
Liberty Mutual $6,588 $8,680 $13,076 $8,337
Nationwide $2,632 $3,532 $2,816 $2,983
Progressive $3,906 $5,203 $4,729 $4,498
State Farm $3,732 $4,704 $4,121 $4,121
USAA $2,090 $2,566 $3,725 $2,249

How does a DUI affect Columbia, MD car insurance rates?

With even one DUI on your record, you can see an increase in your Columbia, MD car insurance rates.

Annual Car Insurance Rates After a DUI in Columbia, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,311
GEICO $5,370
Liberty Mutual $13,076
Nationwide $2,816
Progressive $4,729
State Farm $4,121
USAA $3,725

How does your credit history affect Columbia, MD car insurance rates?

Take a look at the data here to see how your Columbia, Maryland car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Columbia, Maryland

Insurance Company Poor Fair Good
Allstate $7,808 $5,437 $4,804
GEICO $4,515 $3,740 $3,694
Liberty Mutual $13,109 $8,446 $5,956
Nationwide $3,821 $2,705 $2,446
Progressive $5,761 $4,347 $3,645
State Farm $6,105 $3,617 $2,786
USAA $3,538 $2,433 $2,002

How does your commute affect Columbia, MD car insurance rates?

Columbia, MD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maryland can be seen here. Remember, though, that you may have to carry substantially more car insurance in Columbia if you’re financing.

Annual Car Insurance Rates by Commute Length in Columbia, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,930 $6,102
GEICO $3,918 $4,048
Liberty Mutual $8,926 $9,415
Nationwide $2,991 $2,991
Progressive $4,584 $4,584
State Farm $4,063 $4,276
USAA $2,575 $2,740

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Who has the cheapest Columbia, MD car insurance rates?

Here’s a breakdown of Columbia, Maryland car insurance rates by company. You can see which company offers the cheapest Columbia car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Columbia, Maryland

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

What are the top Columbia, MD car insurance companies?

Which Columbia, Maryland car insurance company will best fit your needs and budget? Check out this comparison of the top Columbia companies to find the one for you.

Average Annual Car Insurance Rates by Company in Columbia, Maryland

Insurance Company Average Annual Rates
Allstate $6,016
GEICO $3,983
Liberty Mutual $9,170
Nationwide $2,991
Progressive $4,584
State Farm $4,169
USAA $2,658

What factors affect Columbia, MD car insurance rates?

Why are Columbia, Maryland car insurance rates different than rates in Bowie or Baltimore? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Columbia, MD?

More time spent behind the wheel can lead to higher Columbia, Maryland car insurance rates. In Columbia, MD, the average commute length is 30.3 minutes.

What is the traffic like in Columbia, MD

Like commute length, time spent in traffic also increase risk of accidents. Columbia, MD is listed as 325th in INRIX congested cities data.

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Car Insurance Quotes for Columbia, MD

Shop for affordable Columbia, Maryland car insurance rates today. Enter your ZIP code to compare quotes from multiple Columbia, MD car insurance companies.

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