Expertise.com

2024

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Best Local Car Insurance Agencies in Columbia

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Columbia Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

66Reviewed

43Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

29 North 10th Street, Columbia, MO 65201

Expertise.com Rating

Review Sources

Google
4.5 (89)

Why choose this provider?

Vogel-Stuart Insurance Group is a Columbia-based business that offers a line of personal protection plans. The company's product range includes auto insurance, and its team offers different coverage options for car owners such as personal injury protection. In the event of an accident, this coverage compensates for the policyholder's medical expenses and lost wages. Vogel-Stuart Insurance Group is a family-owned and operated company. Its team is committed to developing not only insurance plans but also lasting relationships with clients.

  • Multiple Carriers

116 North Garth Avenue, Columbia, MO 65203

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
4.2 (5)
Yelp
1.0 (1)

Why choose this provider?

Founded in 1923, Kasmann Insurance Agency is a third-generation business offering auto insurance products to Columbia drivers. The local business has agents on board who are equipped to shop and review vehicle protection plans. Available auto insurance plans include physical damage and liability. The company also has policies intended for covering car damages caused by collision, theft, and vandalism. Principal Stacey Page has been handling auto-owners insurance for over 19 years.

  • Multiple Carriers

1517 Chapel Hill Rd 400, Columbia, MO 65203

Expertise.com Rating

Review Sources

Google
5.0 (78)
Facebook
5.0 (10)
Yelp
5.0 (2)

Why choose this provider?

Walker-Winter Insurance is an independent insurance agency in Columbia that provides personal and business lines to clients in the metro and surrounding areas. The agency offers car insurance policies that protect clients and their vehicles from collision, property damages, bodily injury liabilities, uninsured and underinsured motorists, and other forms of physical damages. Walker-Winter Insurance has been writing policies since 1999 and also provides coverage for farms, contractors, and even groups.

  • Bundling Option

3928 South Providence Road, Columbia, MO 65203

Expertise.com Rating

Review Sources

Facebook
3.7 (12)
Yelp
5.0 (1)

Why choose this provider?

Naught-Naught Agency - Columbia is an independent car insurance agency serving the needs of its clients in Columbia since 1972. It reviews each client's needs and options to find the best match. The agency has a 24-hour claims hotline and offers flexible payment options. It also offers other personal insurance products, such as health insurance, homeowners insurance, life insurance, and long-term care insurance. Its business insurance products include coverage for general liability, loss prevention, and workers' compensation.

  • Multiple Carriers

419 West Ree Street, Moberly, MO 65270

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Vestal Insurance Agency has been addressing the insurance needs of car owners in Columbia since 2007. The firm has a website with an online auto quote form that clients can fill out for quote requests. Its insurance agents help clients understand the insurance process and provide guidance in choosing suitable auto insurance plans. Policyholders can receive financial compensation for accident-related losses, including medical, liability, and property damages. In addition, they can obtain financial assistance for injury-related funeral expenses.

  • Multiple Carriers

3215 South Providence Road, Columbia, MO 65203

Expertise.com Rating

Review Sources

Google
4.8 (56)
Facebook
5.0 (4)
Yelp
5.0 (3)

Why choose this provider?

Cheryl Kelly has been a State Farm agent since 1998. She offers auto insurance products and services to individuals, families, and businesses in Columbia. Kelly and her team at State Farm provide insurance plans that will protect their clients against unexpected loss resulting from an accident. Additionally, they offer insurance solutions for life, health, homes, properties, and businesses. Kelly is a former board member of State Farm Federal Credit Union and a supporter of Columbia Public Schools Partner in Education.

  • Bundling Option

1604b Business Loop 70 West, Columbia, MO 65202

Expertise.com Rating

Review Sources

Google
5.0 (19)

Why choose this provider?

Insurance Plus was founded by Denise Nelson and Tina Marso. Their first business was an accounting firm and they, later on in 1992, established Insurance Plus as an independent agency that works with other insurance carriers. Servicing clients in Columbia and the nearby areas, they cater to local and businesses and assists them with car insurance plans and investments. It includes collision and comprehensive coverages, property damage, and bodily injury liability. They also provide standard insurance and car insurance for collector cars, as well.

  • Multiple Carriers

106 East Broadway, Ashland, MO 65010

Expertise.com Rating

Review Sources

Facebook
4.8 (26)

Why choose this provider?

Angell & Co. is a full-service independent insurance agency based in Ashland that provides auto insurance products to vehicle owners in Columbia. Since 1930, the company has been helping clients in comparing and evaluating insurance plans that fit their needs. The insurance specialists work with multiple carriers in providing customized coverages that will protect them from damages and financial losses caused by an accident. Angell & Co. supports organizations in the community which include Hope Community Project and Centralia Historical Society.

  • Multiple Carriers

2100 Whitegate Drive, Columbia, MO 65202

Expertise.com Rating

Review Sources

Google
4.7 (3)

Why choose this provider?

Harrison Agency, Inc., is a family-owned and locally operated independent insurance firm that provides services throughout the Columbia area. It quotes and writes policies for people who seek protection for their cars. The team finds the type of coverages that may protect the clients against financial loss due to traffic-related accidents, theft, and medical expenses. Some of its other products include homeowners' insurance, high net worth insurance, and business property insurance. The firm aims to establish long-term partnerships with its clients by engaging one-on-one with them.

  • Bundling Option

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Are the other people who use your car also covered under your car insurance policy in Columbia?

    Most auto insurance policies in Columbia cover people you allow to drive your car. Your family members who share your car and your friend who borrows it one time will both get coverage after a car accident. Coverages for other drivers vary, so check your policy for the specifics. Also, make sure that people who often drive your car are listed on your policy, particularly people who use your car once a month and those who live in your home.

  • Are you required to buy uninsured motorist coverage in Columbia?

    The state’s Uninsured Motorist Statute (Mo. Ann. Stat. Section 379.203) requires all drivers to carry UM coverage. No auto insurance policy will be issued in Columbia without this coverage included. UM coverage pays for bodily injuries caused by a collision with an uninsured driver. You are covered whether you are injured while inside the car or outside as a pedestrian. Note that coverage will not apply if you are at fault for the accident.

  • How does adding a teenage driver to your policy in Columbia affect your car insurance rate?

    Adding your 16 to 21-year-old child can raise your insurance cost by 125%-200%. This is because teenagers have less driving experience and, therefore, are considered riskier to insure, particularly 16-year-olds who have no previous driving experience at all. The price for your policy will start to decrease when your child turns 21 and continue to drop as they gain more driving experience. Some Columbia insurers offer discounts on policies with teenagers, including driver training, monitoring device, and good student discounts.

  • How much auto insurance coverage is required in Columbia?

    Columbia car owners are mandated to have the following coverage:

    • $25,000 Property damage liability coverage per accident.
    • $25,000 Bodily injury liability coverage per person, and $50,000 per accident.
    • $25,000 Uninsured motorist coverage per person, and $50,000 per accident. If you're taking out a car loan, the lender will also require collision coverage for car damage caused by hitting inanimate objects and comprehensive coverage for car damage resulting from hail, theft, fire, and vandalism.
  • How much does car insurance cost in Columbia?

    Consumer research company ValuePenguin’s analysis of data from Quadrant Information Services reveals that car insurance policies in Missouri cost $1,848 on average per year. This is about 3% more than the national average of $1,780 for 2023. Columbia drivers with traffic violations should prepare to pay even more as a single speeding ticket can raise your car insurance premium in Missouri by 38% on average.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.