Columbia Car Insurance

Your Complete Guide to Columbia, TN Car Insurance

Find the right car insurance policy for you.

Columbia is a historic Tennessee town located southwest of Nashville. Whether you are driving to town on the busy Interstate or enjoying the rural back roads, a car crash can happen at any time. When vehicle damage and injuries are involved, the financial burden of a car accident can be immense, especially for the at-fault driver. Car insurance can help you recover financially and get back out on the road with confidence. Independent insurance agents make shopping for the right car insurance policy easy. Independent agents can work with multiple insurance companies, so you can compare quotes and make sure you are getting the high-quality, best-value coverage you desire. 

Tennessee Car Insurance Requirements

All vehicle owners in Tennessee are required to have a minimum amount of auto insurance that includes the following types of coverage:

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 25/50/15; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $15,000 coverage for property damage

In most cases, it’s important to buy more than the minimum auto liability insurance required by the state. The minimum coverage may be sufficient to cover damage from a minor accident. But if you cause a serious accident, the minimum coverage isn't likely to be enough and you could be left with extensive bills to pay. 

How Much Does Auto Insurance Cost in Columbia, TN?

Tennessee has the 24th highest average car insurance rate in the US. The average rate in Columbia is similar to the state average. 

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Columbia average annual car insurance cost: $1,234

Remember, everyone’s car insurance rates are a little different, so your cost may be higher or lower than other Columbia residents. Your individual rates are determined by how much risk exposure you have as a driver. If you have a high-risk car like a sports car, or you live in a neighborhood with a high crime rate, you can expect to pay more than others for the same coverage. Your Columbia car insurance rates are also based on characteristics like your age, gender, and marital status. These factors are predictors of how likely you are to cause a crash or file a claim. 

The coverage limits and the deductibles you choose also play a role in how much you will pay for your Columbia auto insurance policy. Higher coverage limits will cost more, but you can save by choosing higher deductibles. Insurance companies typically offer numerous discounts to help you keep costs down. Bundling your home insurance or renters insurance with your auto insurance is one way to earn a discount from most insurance companies. Contact an independent insurance agent to obtain and compare customized quotes from multiple, highly rated insurance companies. 

Number of Uninsured Motorists in Tennessee

Tennessee has a very high percentage of uninsured drivers, even though auto insurance is required by law for every driver. Uninsured motorist coverage is essential for Tennessee vehicle owners because it protects responsible drivers from those who fail to purchase insurance.

  • How many US drivers are uninsured? 12.6%
  • How many Tennessee drivers are uninsured? 20%

If you are in an accident that is caused by an uninsured driver, it may be difficult or impossible to collect what the other driver owes you for repairs and medical bills. Uninsured motorist insurance was created to ensure that you can receive compensation in these cases. Because Tennessee has the 5th highest percentage of uninsured drivers in the US, this coverage is essential. 

Number of Auto Thefts in Tennessee

Columbia has a low auto theft rate, which means you are not very likely to have your car stolen if you live there. But that doesn’t mean you shouldn’t take precautions and have the right insurance coverage. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Columbia auto theft rate per 1,000 vehicles: 1.80

If your car is stolen or vandalized, you need comprehensive coverage to reimburse you for your lost or damaged car. Comprehensive coverage also helps you pay if falling objects, floods, structure fires, or other hazards cause damage to your car.  A local independent insurance agent can help you review the cost to include this coverage in your policy.

Why Contact an Independent Insurance Agent?

Ask an independent insurance agent for help finding the best auto insurance in Columbia, TN. Independent agents can obtain quotes from multiple insurance companies, so you can choose a policy that best meets your coverage and budget needs. 

Contact an agent near you to start comparing customized car insurance quotes. 

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http://www.naic.org/prod_serv/AUT-PB-14.pdf
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