Cheap Quotes for Columbia, SD Car Insurance (2021)

Columbia, South Dakota car insurance rates average $316 a month and South Dakota law requires coverage of at least 25/50/25. By comparing rates from multiple Columbia, SD 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

  • The cheapest car insurance company in Columbia is State Farm
  • Average car insurance rates in Columbia, SD are $316/month
  • Columbia has an average commute time of 22.8 minutes

How do the Columbia, South Dakota monthly average car insurance rates of $316/month compare to nearby cities like Mitchell car insurance rates, Aberdeen car insurance rates, and Box Elder car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Columbia, SD.

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

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

What are the minimum Columbia, SD car insurance requirements?

To meet South Dakota minimum car insurance coverage requirements, Columbia, SD drivers need to carry at least 25/50/25 coverage.

Minimum Required Car 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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How do age, gender, and marital status affect Columbia, SD car insurance rates?

Three of the criteria that most affect car insurance rates in Columbia, South Dakota 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, 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

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

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

Annual Car 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

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

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

Annual Car 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

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

How much coverage do you need? Are you comfortable with the South Dakota minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Columbia, SD car insurance rates will be. Let’s take a look.

Annual Car 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

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

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

Annual Columbia, South Dakota Car 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

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

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

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

Insurance Company Annual Car 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

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

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

Annual Car 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

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

Columbia, SD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for South Dakota 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, 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

Who has the cheapest Columbia, SD car insurance rates?

Here’s a breakdown of Columbia, South Dakota 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, 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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What are the top Columbia, SD car insurance companies?

Which Columbia, South Dakota 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, 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 factors affect Columbia, SD car insurance rates?

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

What is the car theft rate in Columbia, SD?

FBI statistics show that the Columbia, South Dakota car theft rate is 97 thefts each year. High theft rates can lead to higher than average Columbia, SD car insurance rates.

How long is the average commute in Columbia, SD?

More time spent behind the wheel can lead to higher Columbia, South Dakota car insurance rates. In Columbia, SD, the average commute length is 22.8 minutes.

What is the traffic like in Columbia, SD

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

Car Insurance Quotes for Columbia, SD

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