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Cheap Car Insurance in Columbia, Missouri

Locate cheap car insurance in Columbia, a Missouri college town often called “CoMo” by those who live in the area. An estimated 121,150 people live in Columbia, which is home to the University of Missouri, Stephens College and Columbia College. Education, health care and insurance drive the local economy. One of nearly 30 U.S. cities to bear the name “Columbia,” the community originally was named Smithton when it was originally settled. The city officially incorporated in 1821, and town plans included land for a state university, which was founded in 1839. Among the city's most unique events is the “True/False Film Fest,” focusing on documentaries and taking place in late February or early March each year.

Driving Conditions in Columbia

Columbia lies along Interstate 70 about halfway between St. Louis and Kansas City, about 120 miles away from each. U.S. Route 63 runs south to Jefferson 30 miles away, and north all the way to Waterloo, Iowa. Columbia's downtown is about one square mile, and the university lies just to the south of it. Stephens College to the east, and Columbia College is to the north. The city's busiest commercial corridors are I-70, U.S. 63, Stadium Boulevard and Grindstone Parkway. But drivers have it pretty easy compared to other cities. Columbia in 2015 landed at No. 16 on the 25 Best Commuter Cities in Missouri. According to U.S. Census data, Columbia has an average commute time of only 16 minutes, nearly 10 minutes shorter than the national average.

Unique Laws in Columbia

Missouri laws now allow both teachers and students to keep a gun inside their cars on school campuses as long as firearms are hidden. Rather than a suspension, students 17 or older who bully or fight in school can now face felony charges in Missouri. Those caught with less than 10 grams of marijuana and who have no prior offenses will get charged and pay a fine in Missouri, but they don't serve any jail time. This also means that adults with no prior records can legally carry up to 10 grams of pot without getting into legal trouble. The open container law is a bit different in Missouri, where there is no state law that prohibits passengers from drinking alcohol in a moving vehicle.

Columbia Crime Statistics

Violent and property crime rates overall are above the national average, but the car theft rate in Columbia is not as high as other cities its size.

Data compiled by the Federal Bureau of Investigation for 2016 states there were 517 violent crimes in Columbia, six of which were murder or manslaughter. The local violent crime rate of 427 offenses per 100,000 residents is above the average violent crime rate of 386 offenses per 100,000 in the U.S.

The property crime rate in Columbia was 2,678 offenses per 100,000 residents, slightly above the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 246 vehicles were stolen in 2016, FBI data shows, a rate of 203 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Columbia Safety Requirements

Drivers and front-seat passengers and those under 16 must wear seat belts, according to the Missouri Department of Transportation. Children must be in a rear-facing seat until age 1 or 20 pounds, and a child younger than 4 or under 40 pounds must be in a child restraint system. Children 4 through 7 weighing between 40 and 80 pounds are required to ride in a booster seat. Those under 21 are prohibited from texting and driving.

Columbia Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 percent or higher are charged with driving while intoxicated, according to the Missouri Department of Transportation. First offenses are punishable by loss of license for 30 days. A second offense carries a $1,000 fine, one-year license revocation and up to a year in jail. A third offense brings up to a $5,000 fine and up to 7 years in jail. Regardless of your driving history, we can help you find cheap car insurance in Columbia.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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