Affordable Car Insurance Rates in Columbia, MD (2024)
Car insurance rates in Columbia, MD are $400/month on average. By law, Maryland drivers need to carry at least 30/60/15 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Columbia car insurance companies to get the coverage you need at the best rates available.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Columbia after a DUI is Nationwide
- Average car insurance rates in Columbia, MD are $400/month
- The cheapest car insurance company in Columbia for teen drivers is USAA
Average car insurance rates in Columbia, Maryland are $400 a month. But with a little research you can get a great deal from the top car insurance companies in Columbia, MD. Before you buy Columbia, Maryland car insurance, make sure your coverage meets or exceeds the Maryland minimum of 30/60/15.
It may even be helpful to compare Columbia car insurance rates with Annapolis car insurance rates, College Park car insurance rates, or Laurel car insurance rates to make sure you’re getting the best Columbia, MD car insurance quotes available.
Need affordable Columbia, MD car insurance? Enter your ZIP code to compare Columbia car insurance quotes from multiple car insurance companies near you.
Columbia, MD Minimum Car Insurance Coverage
Columbia, Maryland law requires drivers carry a minimum of 30/60/15 coverage. Take a look at the breakdown of the minimums here.
| 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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Columbia, MD Car Insurance Rates by Coverage Level
Some Columbia drivers can get by with the Maryland minimum coverage of 30/60/15. Other drivers may need more. See how much your Columbia, Maryland car insurance rates may be based on the coverage you need.
| 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 |
Columbia, MD Car Insurance Rates by Age, Gender, and Marital Status
Columbia, Maryland car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Columbia, MD car insurance, get quotes from multiple car insurance companies in the Columbia area and see how these criteria affect your rates.
| 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 |
Columbia, MD Car Insurance Rates for Teens
How much is Columbia, Maryland car insurance for teens? Compare rates from top Columbia car insurance companies below to help find the cheapest teen car insurance in Columbia, MD.
| 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 |
Columbia, MD Car Insurance Rates for Seniors
Before seniors buy Columbia, Maryland car insurance, they should make sure to shop around. Some Columbia, MD car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Columbia, MD Car Insurance Rates by Credit History
How does your credit history affect Columbia, MD car insurance rates? Review the numbers here to find out.
| 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 |
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Columbia, MD Car Insurance Rates by Driver History
How does a single speeding ticket affect your Columbia, Maryland car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Columbia.
| 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 |
Columbia, MD Car Insurance Rates With a DUI
Even a single DUI can increase your Columbia, MD car insurance rates. Compare rates below to see which Columbia car insurance company has the best rates for drivers with a DUI.
| 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 |
Columbia, MD Car Insurance Rates by ZIP Code
Just like Columbia car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Columbia, MD car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 21044 | $4,058 |
| 21045 | $4,125 |
| 21046 | $4,097 |
Columbia, MD Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Columbia, MD car insurance rates may be. Let’s take a look at average car insurance rates from top Columbia companies based on commute time.
| 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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Columbia, MD Cheapest Car Insurance Rates
How do the top Columbia, Maryland car insurance companies’ average rates stack up against the Columbia average monthly car insurance rates of $400? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Nationwide |
| With 1 Speeding Violation | USAA |
Columbia, MD Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Columbia, Maryland car insurance companies to help you find one that best fits your needs.
| 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 |
Other Factors Affecting Columbia, MD Car Insurance Rates
Before you buy Columbia, Maryland car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Columbia, MD Commute Time
How does your Columbia, MD commute time compare with the average driver? In Columbia, the average commute is 30.3 minutes.
Columbia, MD Traffic
Spending time in Columbia traffic can lead to higher car insurance rates. According to INRIX data, Columbia, MD ranks as the 325th-most congested with traffic in the world.
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Columbia, MD Car Insurance Quotes
Compare Columbia, MD car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.