Columbia Insurance Rates:

Columbia, MO home insurance is roughly $853 to $1,157, about $71-$96/month. Our exhaustive analysis indicates shoppers can save as much as $402 by comparing different quotes

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Columbia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $690/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 2940 sqft Primary Residence Constructed In 1985 with Stone Flooring, Metal Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $400/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Bath 2380 sqft Seasonal Residence Constructed In 2013 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $510/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Bath 2950 sqft Primary Residence Constructed In 1997 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $320/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 1690 sqft Primary Residence Constructed In 1974 with Stone Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $760/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $390,000

5 Beds, 5 Bath 3310 sqft Seasonal Residence Constructed In 2003 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $250/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Baths 1750 sqft Primary Residence Constructed In 1975 with Linoleum, Tile Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Married Male who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Columbia, MO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
65203 $195,700 $1,040
65201 $146,400 $1,010
65202 $137,300 $990

Columbia Rates & Quotes Analysis:

Columbia Area Estimated House Insurance
Turner Ave, Center St, Wild Ginger Ct, Valley Vista Ct, Corcoran Dr, W Southern Hills Dr, Parkside Dr, Riverbirch Pl, Christian Chapel, Samantha Ct$1,035
Leeway Dr, W Craig St, Country Ln, Fern Flower Ct, Dusty Rhodes Ln, W Driskel Rd, Amethyst Dr, Shannon Pl, Lema Ln, E Rob Cook Rd$990
E Lexington Cir, Sunset Dr, Daniel Boone, Apple Valley Ct, Wild Plum Ct, Tessa Way, Whitefish Dr, Corporate, Norwalk, Sun Ct$987
Bay Brook Dr, E Hwy Ab, E Alhambra Dr, Weatherwood Ave, Carnation Dr, Stanford Dr, Cherokee Ln, Wilson Ave, Rain Tree Ct, North Blvd$928
Bates Creek Ct, W Akeman Bridge Rd, Gazelle Dr, Jennifer Ln, N Charleston Cir, Skye Wynd, Ballenger Pl, E Burnam Rd, W Arbor Way, N Ely Ave$987
Monterey Dr, Fourwinds Dr, S Cedar Lake Dr, Rice Rd, S Warren School Rd, Sandman Ln, E Sexton Rd, E Fulton Gravel Rd, Richmond Ave, Baldwin$None
Danforth Cir, Wilderness Way, Berry View Ct, S Warren Dr, Brown Station Rd, Bryant St, Hyde Park Ave, Cromwell Ct, Wishing Well Dr N, Old US Hwy 63 S$1,050
S Easley River Rd, College Park Dr, N Boothe Ln, Timbers Ct, N Locust Grove Church Rd, Minor Hill Rd, Bogie Hills Dr, Canaveral St, N Hwy Pp, Hunt St$1,036
Taylor St, Lewis St, Elsdon Ct, Quick Sand Cir, W Sexton Rd, Baseline Pl, Fenimore Dr, Moss St, Bullhead Ln, W Lathrop Rd$988
Alton Ave, High Quest Dr, Dogwood Ln, Silver Brook Rd, Bentpath Dr, Americus Dr, Saddlebrook Pl, Thornridge Dr, Watertown Pl, Garnet Ave$982

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,540 Homes (13% of total homes ) built between 1980 to 1989 in Columbia are paying home insurance between $1,500-$1,515. Places close to Columbia, MO such as Pierpont, Rock Bridge, Katy are more expensive by $14, $80, $22 respectively while Boone County and Huntsdale are cheaper by $10 and $157 respectively for similar homes.
  • Bedrooms: 12,387 2 bedrooms homes (26% of total homes ) in Columbia are paying about $855. Areas near to Columbia such as Missouri, Boone County, Pierpont are costlier by $13, $5, $8 respectively whereas Huntsdale and Lupus are more economical by $72, $50 respectively for similar homes.
  • Auto Insurance Bundling: 4,069 Households (19% of all households) in Columbia have 3 or more vehicles available and when it is bundled with home insurance you can save $251 and varies from Missouri ($252), Boone County ($249), Pierpont ($253).
  • Senior Discounts: 8,491 seniors (more than 55 years) occupied housing units (40% of total) in Columbia get discounts between $150 to $153. The comparative concessions in proximate regions such as Missouri, Boone County and Pierpont are $151, $149 and $152 respectively.
  • New Homes discounts: New homes such as the 24,175 homes built between 2000 to 2009 in Columbia can save $201 and similar new home insurance discounts in nearby towns and cities like Missouri, Boone County and Pierpont are $201, $199 and $203 respectively.

Columbia Homeowners insurance Facts

  • Columbia, MO has 20,907 owner occupied houses which is 48.5% of all units whereas Missouri, Boone County and Pierpont have 58.9%, 57.58% and 88.46% respectively.
  • Columbia, MO homeowners yearly insurance price at $1,005 is 0.6% of the typical house value of $168,100 which is in contrast with 0.58% in Missouri, 0.63% at Boone County & 0.56% in Pierpont.
  • Homeowners in Columbia, MO pay 3.65% of their income ($25,000 to $29,999) in insurance whereas homeowners in Missouri, Boone County and Rock Bridge pay 3.67%, 3.63% and 3.85% respectively.
  • Columbia, MO’s insurance is 6.2% of monthly housing costs of $1,345/month, for owners with a mortgage compared to 6.14% in Missouri, 6.51% at Boone County & 6.15% in Pierpont. But, for households without a mortgage, insurance is 19.1% of costs ($439 in Columbia, MO) in contrast with 18.2% in Missouri, 20.26% at Boone County & 19.9% in Pierpont.

Columbia, MO Home Values & Insurance rates

For example, insurance for 646 Homes (3.0% of total homes ) valued between $80,000 to $89,999 in Columbia, MO is about $502. Rates in nearby areas in such as Missouri, Rock Bridge, Katy are cheaper by $18, $132, $54 respectively while Boone County and Wooldridge are costlier by $27 and $980 respectively for similar homes.

Columbia, MO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,111 5.0% $140
$60,000 to $69,999 279 1.0% $381
$70,000 to $79,999 294 1.0% $442
$80,000 to $89,999 646 3.0% $502
$90,000 to $99,999 981 4.0% $562
$100,000 to $124,999 1,917 9.0% $653
$125,000 to $149,999 2,823 14.0% $814
$150,000 to $174,999 3,072 15.0% $964
$175,000 to $199,999 2,081 10.0% $1115
$200,000 to $249,999 3,184 16.0% $1346
$250,000 to $299,999 1,669 8.0% $1638
$300,000 to $399,999 1,456 7.0% $2090

Renters Insurance in Columbia

  • Average Renters Insurance in Columbia :  $129($10/month)

  • Median Gross Rent in Columbia :  $784

  • Columbia Renters Insurance to Median Rent Ratio:  1.28%

  • Renter occupied housing units in Columbia :  22,246

Columbia Renters Insurance as a Percentage of Rent

Columbia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 418 1.0% $782
$300 to $499 2,179 10.0% $1232
$500 to $749 6,995 32.0% $1907
$750 to $999 6,819 31.0% $2657
$1,000 to $1,499 3,862 17.0% $3782
$1,500 or more 1,223 5.0% $5432

Rent Affordability in Columbia:

Approximately 50.0% (11,170) of households are spending more than 35% of their income on gross rent in Columbia

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,168 9.0%
15.0 to 19.9 percent 2,395 10.0%
20.0 to 24.9 percent 2,075 9.0%
25.0 to 29.9 percent 2,688 12.0%
30.0 to 34.9 percent 1,750 7.0%
35.0 percent or more 11,170 50.0%

Protective device discount in Columbia Up to :  $19

Claims-free discount in Columbia Up to :  $25