Car Insurance Quotes for Columbia, TN

Elevate your peace of mind in Columbia with A Plus Insurance, your premier insurance brokerage. Call now for a complimentary quote and experience tailored coverage that exceeds expectations.

Tennessee State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
Medical Payments: Rejection Form

Who Offers the Cheapest Car Insurance in Columbia, TN?

In Columbia, TN, the cheapest car insurance is often provided by companies that offer basic liability coverage, like Dairyland and Suncoast. To keep rates low, drivers should consider a policy that meets state minimums and explore discounts for multiple policies, such as combining car and renters insurance.

How to Find the Most Affordable Insurance with a Clean Driving History in Columbia, TN?

Drivers in Columbia, TN with a clean driving history can access the most affordable insurance rates. Insurers view these drivers as low-risk, often rewarding them with lower premiums. To maintain these low rates, drivers should continue safe driving practices and consider defensive driving courses. Additionally, exploring discounts for continuous insurance coverage and loyalty programs with companies like Progressive and State Mutual can further reduce costs.

Insurance Company Columbia, TNAvg. Monthly Premium Est.
Dairyland$132
Geico$135
GAINSCO$137
The General$137
Nationwide$140
Progressive Insurance$141
Bristol West$146
21st Century$148
Mendota Ins. Company$148
AssuranceAmerica$155
Acceptance RTR$156
National General$161
American Family$163
Farmers$173

Best Car Insurance Quotes Columbia, TN: After DUIs, Accidents, or Violations

Finding cost-effective auto insurance in Columbia, TN, after DUIs, accidents, or violations can be challenging, but not impossible. Companies like The General and Bristol West specialize in high-risk policies. Drivers can lower their rates over time by maintaining a clean record post-violation, enrolling in driving improvement courses, and opting for higher deductibles to reduce premiums.

Insurance Company Columbia, TNAvg. Monthly Premium Est.
The General$162
Bristol West$164
Dairyland$169
Progressive Insurance$169
GAINSCO$170
Acceptance RTR$184
National General$185
Safeco$185
21st Century$186
AssuranceAmerica$189
Mendota Ins. Company$189
Geico$190
American Family$191
Nationwide$195

Top Car Insurance Choices with Homeowners Discount in Columbia, TN

Homeowners in Columbia can benefit from bundling their car insurance with their home insurance. Providers like Allstate and National General offer significant discounts for bundled policies. Additionally, improving home security and safety features can contribute to further reductions in insurance costs.

Insurance Company Columbia, TNAvg. Monthly Premium Est.
Geico$128
Nationwide$135
Bristol West$137
Dairyland$141
AssuranceAmerica$142
National General$144
Progressive Insurance$144
Acceptance RTR$147
GAINSCO$149
21st Century$150
The General$150
Mendota Ins. Company$154
State Farm$172
Allstate$176

What Are the Best Car Insurance Options for Young Drivers in Columbia, TN?

Young drivers in Columbia, TN, can find competitive insurance rates with carriers that offer youth and student discounts. Companies like Progressive and Assurance America provide affordable options for young drivers. Maintaining good grades and a clean driving record, and attending driver’s education courses can also help in securing lower rates.

Insurance Company Columbia, TNAvg. Monthly Premium Est.
Dairyland$133
National General$136
Bristol West$146
21st Century$150
Progressive Insurance$156
USAA$158
The General$159
Farmers$162
GAINSCO$162
Acceptance RTR$164
Liberty Mutual$168
American Family$171
AssuranceAmerica$171
Mendota Ins. Company$172

How to Find the Cheapest Broad form or Non-Owners Car Insurance in Columbia, TN?

For those in Columbia needing broad form or non-owner car insurance, affordable options are available with carriers like Mendota and Falcon. To minimize costs, drivers should compare rates from various insurers and consider plans that offer only essential coverage based on their specific needs.

Insurance Company Columbia, TNAvg. Monthly Premium Est.
Dairyland$92
Progressive Insurance$92
The General$122
Mendota Ins. Company$140
Bristol West$147
Geico$163
State Farm$200
Allstate$222
Acceptance RTR$227

Best Providers of SR22 Auto Insurance in Columbia, TN

Drivers requiring SR22 insurance in Columbia, TN, can find suitable options with companies like Dairyland and Gainsco. Keeping a clean driving record post-SR22 and choosing a policy with a higher deductible can help in gradually reducing premiums over time.

Insurance Company Columbia, TNAvg. Monthly Premium Est.
AssuranceAmerica$103
Dairyland$103
Mendota Ins. Company$104
USAA$106
National General$107
The General$109
Progressive Insurance$111
Geico$112
Acceptance RTR$119
American Family$125
Nationwide$133
Liberty Mutual$142
21st Century$143
Bristol West$144

SR22 Insurance Process in Columbia, TN

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Most Affordable Insurance Options for Bad Credit in Columbia, TN

Drivers in Columbia with bad credit can still find affordable insurance options. Providers like Assurance America and The General offer more lenient rates for individuals with less-than-perfect credit. Working on improving credit scores and opting for auto-pay options can also aid in obtaining lower insurance rates.

Insurance Company Columbia, TNAvg. Monthly Premium Est.
Dairyland$146
21st Century$154
Acceptance RTR$160
Progressive Insurance$160
GAINSCO$163
Bristol West$171
AssuranceAmerica$175
Nationwide$177
Geico$181
Mendota Ins. Company$182
The General$184
National General$192
Liberty Mutual$194
State Farm$194

Least Expensive Auto Insurance Options for Good Credit in Columbia, TN

Having good credit in Columbia, TN, positions drivers to receive some of the most competitive auto insurance rates. Companies like Suncoast and Bristol West reward high credit scores with lower premiums. Maintaining a strong credit history and bundling multiple insurance policies can lead to significant savings.

Insurance Company Columbia, TNAvg. Monthly Premium Est.
AssuranceAmerica$133
Progressive Insurance$134
Dairyland$136
Nationwide$137
Acceptance RTR$142
The General$147
Bristol West$154
GAINSCO$154
Mendota Ins. Company$154
National General$154
21st Century$157
State Farm$166
USAA$168
Geico$169

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Why does my Columbia zip code affect my car insurance rates in Tennessee?

In Columbia, TN, several local factors significantly affect the cost of auto insurance rates. Factors such as weather conditions, crime rates, and demographic trends all play a crucial role in how insurance companies assess risk and determine premiums. For instance, Columbia’s varied climate can lead to driving hazards, while its demographic makeup influences the type of coverage that residents might seek.

  1. Weather and Climate: Columbia experiences a mix of hot summers and mild winters. Seasonal weather patterns, like thunderstorms or occasional icy conditions, can increase the risk of accidents, potentially raising insurance rates.
  2. Crime Rates: The local crime rate, especially regarding vehicle thefts and break-ins, can influence insurance premiums. Areas with higher crime rates might see increased costs for comprehensive coverage.
  3. Population Density: Columbia’s population density affects traffic congestion. Less congested areas typically have lower accident rates, which can lead to more favorable insurance rates.
  4. Road Infrastructure: The condition of roads and the prevalence of construction zones in Columbia can impact accident rates. Better-maintained roads usually contribute to safer driving conditions, potentially lowering insurance costs.
  5. Demographics: The age and driving experience of Columbia’s residents influence insurance rates. Younger, less experienced drivers often face higher premiums due to a higher perceived risk of accidents.
  6. Economic Factors: The general economic status in Columbia can affect the type of vehicles people own and their ability to afford comprehensive insurance, thereby influencing the overall insurance rates in the area.

These factors, combined with individual driving records and the type of vehicle insured, contribute to the unique auto insurance rate landscape in Columbia, TN.

ZIP CODES IN COLUMBIA, TN

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Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

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Homeowners, renters, and mobile home owners: make sure you have the protection you need.

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Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

I don’t own a vehicle. Why Would I need Insurance?

Even without vehicle ownership, insurance is crucial for liability protection while driving borrowed or rented cars. Coverage ensures financial security in accidents, fulfills legal requirements, and safeguards against unforeseen situations.

Liability Coverage
Legal Compliance
Financial Security
Borrowed Vehicles
Accident Protection
Unforeseen Situations

Frequently Asked Questions about Car Insurance Quotes in Columbia, TN


What factors impact car insurance quotes in Columbia?

Car insurance quotes in Columbia are influenced by factors like driving record, vehicle type, and coverage needs.

How can I get a personalized car insurance quote in Columbia?

For a personalized quote, contact A Plus Insurance at 1.888.445.2793.

Why choose A Plus Insurance for car insurance in Columbia?

A Plus Insurance stands out with exceptional coverage, tailored service, and competitive rates for your car insurance needs in Columbia.

Here’s What Our Clients Say About Us​

Last Updated on by Veronica Moss

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