Columbia has 139,643 residents in 53,076 households. We list 69 insurance agencies in Columbia. Here is what the local numbers say about the cover people here need.

Columbia at a glance

69insurance agencies listed
54.5%of households rentRenters insurance
$264,300median home valueHome insurance
1980median year homes were builtRebuild cost calculator
11.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Richland County

FEMA rates the overall natural hazard risk in Richland County, where most Columbia agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Columbia
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Columbia
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Columbia
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in South Carolina

South Carolina requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($25,000).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Columbia How much liability cover do you need?

Source: scstatehouse.gov. Checked 2026-10-24.

Insurance companies Columbia agencies work with

Of the 35 Columbia agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare10 agencies
Medicare Advantage8 agencies
Aetna7 agencies
Centene7 agencies
Molina Healthcare of Texas,6 agencies
Chubb (ACE)5 agencies
Travelers5 agencies
BANNER LIFE INSURANCE COMPANY4 agencies
Blue Cross Blue Shield4 agencies
Chubb4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Columbia agencies can write

Share of the 69 agencies listed in Columbia that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Columbia agencies are

Columbia agencies we list sit in 12 ZIP codes, mostly in Richland County.

2920122 agencies
292058 agencies
292128 agencies
292067 agencies
292106 agencies
292045 agencies
292235 agencies
292243 agencies
292292 agencies
292021 agency
292031 agency
292091 agency

Questions

Insurance agencies in Columbia

How do I find an insurance agency in Columbia?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Columbia?

Most often life, health, accident & health, home, general liability. Pick a type in the filters to narrow the list.

Which insurance companies do Columbia agencies work with?

Among the 35 Columbia agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (10), Medicare Advantage (8), Aetna (7), Centene (7), Molina Healthcare of Texas, (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Columbia?

FEMA's National Risk Index rates inland flooding risk in Richland County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Columbia?

54.5% of households in Columbia rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Agencies near Columbia

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