Best Car Insurance Companies in Columbus, OH


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Updated: May 20, 2024

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The ideal insurance provider depends on your coverage requirements and driving record. In Columbus, Cincinnati Insurance is the best for full coverage and minimum coverage policies and for seniors, young adults and customer service. Erie works best for those with traffic offenses, whereas Travelers is ideal for new car owners. Auto-Owners is the best for adding teens to a family policy.

MoneyGeek also rated the cheapest auto insurers in Columbus for those favoring affordability.

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2024

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Why Trust MoneyGeek? MoneyGeek gathered information from the Ohio Department of Insurance and Quadrant Information Services to rank auto insurance companies based on customer service, cost, financial stability and claims management.

60,776Quotes Analyzed
 
14Companies Compared

Best Overall Car Insurance in Columbus

The following are the top providers of auto insurance in Columbus:

  • Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($734 per year)
  • Erie: MoneyGeek score of 83 out of 100 ($584 per year)

Of the 13 providers we analyzed, Cincinnati Insurance has the highest customer satisfaction rating and a good affordability score. It also has a good record of handling claims fairly and quickly.

Erie, in second place, is also Ohio's top auto insurance company. A MoneyGeek score of 85 ranks USAA at the top for those in the military.

How was this MoneyGeek score calculated?

Cincinnati Insurance

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Best customer satisfaction rating and third-best claims score

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Good affordability score

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Offers airbag reinstallation

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No accident forgiveness coverage

COMPANY HIGHLIGHTS

Cincinnati Insurance offers Columbus drivers the best auto insurance. The company's high customer satisfaction ratings combined with other good scores earn it recognition as the best insurance provider in the city. It offers policyholders a mix of common and rarely offered coverage options.

If you or a passenger in your covered vehicle are injured in an accident while using a child safety restraint seat or factory-installed seat belt, Cincinnati Insurance increases the amount of coverage available for medical payments by the amount of the benefit. In the event of a total loss, the company’s gap insurance coverage reimburses you for the difference between the amount you still owe on your auto loan or lease and the value of your vehicle.

If your airbag deploys without an accident, Cincinnati's airbag reinstallation coverage will pay the reinstallation cost.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

How the Best Insurers in Columbus Rank: MoneyGeek Scores and Costs

Cincinnati Insurance is our top choice among the 13 insurers in the Columbus, Ohio, area we evaluated. It provides outstanding customer service and has affordable average annual prices of $581. It ranks third in claims processing and ties for second in coverage options.

The prices stated are for full coverage policies. Only companies with data available on their affordability, level of customer service, coverages offered and financial stability received MoneyGeek scores.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Cincinnati InsuranceMoneyGeek Score (out of 100)86Annual Premium$734Satisfaction Score (out of 5)5Claims Score (out of 5)3Coverages Score (out of 5)4Stability Score (out of 5)4
ErieMoneyGeek Score (out of 100)85Annual Premium$584Satisfaction Score (out of 5)5Claims Score (out of 5)4Coverages Score (out of 5)3Stability Score (out of 5)4
WestfieldMoneyGeek Score (out of 100)82Annual Premium$875Satisfaction Score (out of 5)5Claims Score (out of 5)3Coverages Score (out of 5)4Stability Score (out of 5)3
Auto-Owners Insurance CoMoneyGeek Score (out of 100)81Annual Premium$613Satisfaction Score (out of 5)4Claims Score (out of 5)3Coverages Score (out of 5)4Stability Score (out of 5)5
American FamilyMoneyGeek Score (out of 100)80Annual Premium$561Satisfaction Score (out of 5)4Claims Score (out of 5)3Coverages Score (out of 5)5Stability Score (out of 5)3
TravelersMoneyGeek Score (out of 100)74Annual Premium$813Satisfaction Score (out of 5)4Claims Score (out of 5)3Coverages Score (out of 5)4Stability Score (out of 5)5
GEICOMoneyGeek Score (out of 100)74Annual Premium$674Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)5
NationwideMoneyGeek Score (out of 100)73Annual Premium$511Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
ProgressiveMoneyGeek Score (out of 100)73Annual Premium$676Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
Grange InsuranceMoneyGeek Score (out of 100)70Annual Premium$715Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)2
FarmersMoneyGeek Score (out of 100)69Annual Premium$809Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)3
AllstateMoneyGeek Score (out of 100)67Annual Premium$965Satisfaction Score (out of 5)3Claims Score (out of 5)2Coverages Score (out of 5)4Stability Score (out of 5)4
State FarmMoneyGeek Score (out of 100)46Annual Premium$3,393Satisfaction Score (out of 5)4Claims Score (out of 5)2Coverages Score (out of 5)3Stability Score (out of 5)5

Best Car Insurance in Columbus for Customer Service

Without taking affordability into account, the following auto insurance companies offer the best customer service in Columbus:

  • Cincinnati Insurance: MoneyGeek score of 74 out of 100 ($734 per year)
  • Erie: MoneyGeek score of 70 out of 100 ($584 per year)

Cincinnati Insurance ranks third in claims handling and first in customer satisfaction. It may not have the cheapest premiums, but it provides the highest quality of service.

How was this MoneyGeek score calculated?

Cincinnati Insurance

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Highest customer service rating

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Above-average claims score

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Offers glass deductible modification, lock replacement and child safety seat replacement

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Does not offer accident forgiveness

COMPANY HIGHLIGHTS

If customer service is more important than cost, Cincinnati Insurance is your best auto insurance option. The J.D. Power customer satisfaction study gives it a high customer satisfaction rating. With its above-average rating for claims handling, policyholders can expect the company will process claims quickly and fairly. However, customers do pay a higher premium for great service.

The company’s lock replacement add-on pays for up to $1,500 to replace your door locks if you lose your keys or someone steals them, provided you notify the company in writing within 72 hours of the incident.

Cincinnati Insurance’s glass deductible modification eliminates your glass replacement deductible after a covered loss. In addition, the company’s child safety seat replacement coverage pays for losing your car's child safety seat in a covered incident.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

What Makes an Insurer Best for Customer Service?

Good customer service from a car insurance company is paramount, particularly when dealing with an emergency, like if your car is totaled. Service-oriented providers respond well to the needs of their policyholders and manage claims fairly and promptly.

The J.D. Power customer satisfaction study indicates that Cincinnati Insurance provides the top customer service in Columbus. Erie, our runner-up, has the highest claims rating, is more reasonably priced and ties for second place in customer satisfaction.

Best Cheap Car Insurance in Columbus

We rated insurers offering minimum coverage car insurance policies in Columbus, Ohio, based on cost and the quality of their customer service, and the following companies rose to the top:

  • Cincinnati Insurance: MoneyGeek score of 87 out of 100 ($315 per year)
  • Erie: MoneyGeek score of 84 out of 100 ($216 per year)

Please note that minimum coverage policies may not provide adequate safety nets. Liability-only coverage typically does not pay for repairs to your car.

How was this MoneyGeek score calculated?

Cincinnati Insurance

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An affordable minimum coverage policy costs $315 per year

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Best customer satisfaction rating

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Offers airbag, bundling and anti-lock brakes discounts

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No driver’s education, defensive driving, paperless and pay-in-full discounts

COMPANY HIGHLIGHTS

Cincinnati Insurance has the best reputation for customer service and is the sixth-cheapest company in Columbus for minimum auto insurance coverage. It offers various discounts to help lower premium costs.

Cincinnati Insurance gives you a discount if your vehicle has airbags installed. Policyholders who demonstrate a commitment to safety can benefit from reduced premiums. If you own a home, you can bundle your auto and homeowner's insurance policies with Cincinnati Insurance and save.

You can reduce your premiums by installing and maintaining safety equipment, such as anti-lock brakes and anti-theft systems in your vehicle. If you own or lease multiple cars, you can insure them under the same auto policy and save money. You can also qualify for lower premiums by having few or no accidents over a period of time.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

What Makes an Insurer the Best Cheap Option?

If you want a minimum coverage policy, look for an insurer with lower prices that also offers good customer service. You can count on Cincinnati Insurance to provide excellent customer service and affordable premiums. Erie, the runner-up, has the highest claims score, the second-best customer service and the most affordable rates in Columbus.

Best Car Insurance in Columbus for Young Adults

In Columbus, the following companies provide the best auto insurance for young drivers:

  • Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($895 per year)
  • Erie: MoneyGeek score of 82 out of 100 ($736 per year)

Cincinnati Insurance ranks first in customer service and second best in claims management. However, the firm is only the eighth most affordable for young adults in Columbus.

How was this MoneyGeek score calculated?

Cincinnati Insurance

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Best customer satisfaction score

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Third-best claims ratings

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Tied for first in coverage options

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Offers good student and distant student discounts

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Higher premiums than most of its competitors

COMPANY HIGHLIGHTS

According to J.D. Power, Cincinnati Insurance has the best reputation for customer service. In addition, the company offers good coverage options and discounts that apply to young drivers.

Young drivers can benefit from Cincinnati Insurance’s gap insurance add-on, which pays for the difference between what you owe on your loan or lease and the value of your car if it is totaled. The general deductible waiver waives any deductible you’d have to pay if your car is deemed a total loss after a covered incident.

Drivers who are in school and maintain a 3.0 GPA or “B” average qualify for discounts. Drivers can also earn discounts by maintaining a claims-free driving record for a set period of time.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

What Makes an Insurer Best for Young Adults?

When searching for the best insurance as a young driver, compare providers based on their affordability, customer service and age-specific discounts.

The J.D. Power customer satisfaction study and the Quadrant data tables confirm that Cincinnati Insurance provides superior service and fair claims handling. Young policyholders may also benefit from several discounts the insurer offers.

Best Car Insurance in Columbus for Teens and Their Families

The top insurance providers in Columbus, Ohio, for adding a 16-year-old to an existing family policy are:

  • Auto-Owners Insurance Co: MoneyGeek score of 78 out of 100 ($2,355 per year)
  • Travelers: MoneyGeek score of 74 out of 100 ($2,521 per year)

Auto-Owners has high affordability, customer service and claims handling scores. The company provides families with teenagers with an excellent balance of quality service and competitive pricing.

The best way to save on teen car insurance is to add the teen to an existing family policy. In Columbus, teenagers can save an average of $2,527 annually by being on a parent’s policy rather than getting their own. We've also reviewed the best cheap teen-friendly car insurance companies.

How was this MoneyGeek score calculated?

Auto-Owners

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Best claims handling score

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Third-best customer satisfaction rating

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Offers good student, distant student and honing device discounts

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Not the most affordable option

COMPANY HIGHLIGHTS

With excellent customer service ratings, Auto-Owners is the top pick for insuring teenage drivers in Columbus. While it does not have the cheapest rates, it offers various discounts that can help lower premiums.

For example, students with a grade point average of “B” or higher may qualify for a 20% good student discount. Students who attend school more than 100 miles away from home without a vehicle are eligible for the distant student discount. Teen drivers who agree to have their driving monitored by a GPS receive a special Teen Driver Monitoring Discount.

Teens can also benefit from Auto-Owners' roadside assistance, which provides emergency help if you run out of gas, get a flat tire or have a dead battery.

Read MoneyGeek's Auto-Owners Auto Insurance Review

What Makes an Insurer Best for Teens?

When shopping for teen driver insurance, look for affordability, great customer service and applicable discounts and coverages. Auto-Owners has great customer service and claims scores and offers teen-specific discounts and coverages.

Best Car Insurance in Columbus for Seniors

The following are the top car insurance providers in Columbus for seniors:

  • Cincinnati Insurance: MoneyGeek score of 86 out of 100 ($675 per year)
  • Erie: MoneyGeek score of 82 out of 100 ($572 per year)

The best auto insurance for seniors is from Cincinnati Insurance, owing to its high affordability rating and the best customer satisfaction score. By choosing this insurer, senior drivers can expect good service without paying a lot.

While rates climb for drivers in their 70s, drivers in their 60s pay rates comparable to those between the ages of 30 and 50.

How was this MoneyGeek score calculated?

Cincinnati Insurance

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Best customer satisfaction rating and tied for second in coverage options

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Offers roadside assistance, rental car reimbursement, classic car insurance coverages

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Cheaper options are available

COMPANY HIGHLIGHTS

Cincinnati Insurance is the best auto insurance company in Columbus for senior drivers. It offers excellent customer satisfaction and coverage options at a middle-of-the-road price.

The company’s glass deductible modification add-on waives the deductible for glass replacement after a covered incident. The general deductible waiver waives any applicable deductible if your car is totaled. Lock replacement coverage pays up to $1,500 to replace your locks if you lose your keys or someone steals them.

Cincinnati Insurance offers various discounts that can help lower premium costs. You can save by driving safely, bundling policies and installing safety devices like airbags and anti-lock brakes.

Read MoneyGeek's Cincinnati Insurance Auto Insurance Review

What Makes an Insurer Best for Seniors?

Due to the risk of serious damage in a collision, senior drivers should look for policies with personal injury protection (PIP). Seniors should also seek companies that offer discounts like defensive driving and safe driving to reduce their costs further.

Cincinnati Insurance stands above its competitors thanks to its affordable premiums and excellent customer service. In addition, the company offers several discounts to help lower rates.

Best Car Insurance in Columbus for Drivers With Offenses

The best companies for drivers with infractions in Columbus are:

  • Erie: MoneyGeek score of 80 out of 100 ($996 per year)
  • American Family: MoneyGeek score of 80 out of 100 ($706 per year)

Erie has the third cheapest insurance for drivers with offenses and ties for second in customer satisfaction. After a driving offense, premiums typically increase relative to the severity of the offense. In Columbus, drivers with speeding tickets pay an average of $193 more for vehicle insurance, while those with DUIs pay an average of $577 more.

Insurance costs more after a moving infraction, but you can still save money by switching to a company offering the best cheap insurance for drivers with poor driving records.

How was this MoneyGeek score calculated?

Erie

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Third cheapest insurance costing around $996 per year

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Second highest customer satisfaction and above-average claims score

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Offers new car replacement, accident forgiveness, roadside assistance and better car replacement

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Scores low for coverage options

COMPANY HIGHLIGHTS

Erie's low rates and high customer satisfaction make it the best option for drivers with traffic infractions on their records. The company’s Auto Security add-on will pay for a new or better car if your vehicle is destroyed within the first two years. If you have Erie's accident forgiveness coverage, you won't have to pay a surcharge for the first accident you cause after three years without a claim.

Erie bundles roadside assistance and rental car reimbursement. If your vehicle breaks down on the road, roadside assistance can help with the cost of towing and other services, as well as labor. If your car is undrivable after a covered incident, Erie's transportation expense coverage will cover the cost of renting a replacement vehicle.

Read MoneyGeek's Erie Auto Insurance Review

What Makes an Insurer Best for Drivers With Offenses?

Drivers with traffic infractions should seek affordable car insurance that offers discounts and essential coverages like roadside assistance and accident forgiveness. Erie has the best claims handling score and great customer satisfaction and affordability rankings. It also provides a range of useful discounts and coverages. Runner-up American Family offers the cheapest premiums and rates high in coverage options and customer satisfaction.

Best Car Insurance in Columbus for Drivers With New Cars

The following companies offer the best insurance for new car owners in Columbus:

  • Travelers: MoneyGeek score of 76 out of 100 ($794 per year)
  • Farmers: MoneyGeek score of 60 out of 100 ($1,000 per year)

The findings are based on the insurance cost and service quality for individuals driving a 2022 model car. We only considered companies that provide new or better car replacement coverage.

New car replacement coverage will cover the cost of purchasing a comparable brand-new vehicle if yours is totaled in an accident, and better car replacement pays for a better model.

How was this MoneyGeek score calculated?

Travelers

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Most affordable insurance averaging $794 per year

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Above-average customer satisfaction and coverage scores

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Offers new car replacement

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Does not offer better car replacement

COMPANY HIGHLIGHTS

Travelers offers the best car insurance for drivers of new cars in Columbus at the lowest rate. The moment you drive your new vehicle off the lot, its value depreciates. Travelers’ new car replacement coverage can help you save if your new car is totaled within the first five years. It will pay to replace your totaled vehicle with a brand-new vehicle of the same make and model.

Travelers also offer gap insurance, which benefits persons who finance or lease their vehicle. If the car is totaled, gap insurance covers the difference between the vehicle's cash value and the remaining auto loan or lease balance.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer Best for Drivers With New Cars?

New car owners should shop for an insurer that offers new or better car replacement coverage. Travelers offers new car replacement coverage at the cheapest premiums. Farmers, our second pick, costs $206 more than Travelers.

How to Find the Best Car Insurance in Columbus for You

When comparing auto insurance companies in Columbus, consider cost, how each company handles claims and the insurer’s financial stability. You can conduct your own research by following the steps below.

1
Research customer service reputations in Columbus

We calculated the customer service ratings of Columbus auto insurance companies using data from J.D. Power and the NAIC complaint ratio. The Ohio Department of Insurance is a great source for additional information about specific companies.

2
Compare quotes

We suggest getting quotes from at least three companies to understand how much auto insurance will cost. Your premiums may differ from the average listed on MoneyGeek because of variables such as your age, location and driving history.

3
Find the coverages you want in Columbus

Be aware of the coverages and discounts available in your region before choosing an insurer. Some companies advertise general discounts and coverages on their websites, so contact the insurer to confirm these are available in your area.

4
Check financial stability ratings

Consider a company's financial stability as you shop around for the best policy. Larger companies are usually more financially stable than smaller regional companies.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

FAQs About the Best Car Insurance in Columbus

Your needs and driving habits will influence which Columbus auto insurance company is best for you. The following answers to the most frequently asked questions can help you make an informed decision.

What is the best car insurance company in Columbus?
What is the best cheap car insurance company in Columbus?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.