Compare the Cheapest Car Insurance Quotes in Columbus, GA

In Columbus, an average car insurance policy costs $1,259 yearly, which is $379 lower than Georgia's state average. MoneyGeek rated various insurers based on coverage levels and driver profiles. The cheapest widely available insurer of all is GEICO, with an average annual rate of $899. MoneyGeek's ratings of the best insurance companies will be helpful for those focusing on quality service and affordability.

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Insurance Rates

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

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Last Updated: 5/16/2022
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GEICO is the cheapest insurer overall in Columbus, with the lowest rates for full coverage, minimum coverage, and for drivers with a speeding ticket. However, if you’re in the military, USAA can also be an affordable option. When MoneyGeek ranked companies based on the quality of their customer service and affordability, Auto-Owners emerged as the best overall insurer in Columbus.

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The Cheapest and Best Car Insurance in Columbus

The Cheapest Car Insurance Companies in Columbus

The cheapest auto insurance companies for a full coverage policy in Columbus are:

  • GEICO: $899 per year
  • Nationwide: $1,096 per year

If you are a veteran or are currently in the military, USAA offers the cheapest full coverage policy in Columbus at $823 per year. Progressive, at $1,640, is over 82% more than GEICO and is the most expensive full coverage car insurance option in Columbus.

A full-coverage policy offers comprehensive and collision coverages that protect you from loss in the event your car gets damaged. The price of this type of policy will vary depending on the liability coverage you choose.

Cheapest Car Insurance in Columbus
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $823
  • 2.
    GEICO
    $899
  • 3.
    Nationwide
    $1,096
  • 4.
    Allstate
    $1,155
  • 5.
    State Farm
    $1,245
  • 6.
    Mercury
    $1,262
  • 7.
    MetLife
    $1,306
  • 8.
    Esurance
    $1,329
  • 9.
    Country Financial
    $1,399
  • 10.
    Progressive
    $1,640

MoneyGeek collected average rates based on our sample profile: a 40-year-old male driver in Columbus with a full coverage policy, in accordance with our methodology.

Full coverage policies offer added protection compared to minimum liability since they include two additional coverages:

  • Collision insurance: compensates you for damage to your car caused by a collision.
  • Comprehensive insurance: compensates you if your car is stolen or damaged by events other than collisions, such as vandalism or severe weather.

Full coverage policies cost more than minimum liability, so if you are looking for the cheapest rates, it’s smart to consider the replacement value of your car against the cost of the policy.

Compare Car Insurance Rates in Columbus

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

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Insurance Rates

Cheapest Car Insurance in Columbus for Minimum Coverage

The cheapest available car insurance for drivers in Columbus is a state minimum liability policy. The most affordable insurers for minimum coverage in Columbus are:

  • GEICO: $409 per year
  • Mercury: $643 per year

At $434 per annum, USAA is the second cheapest insurance company for a minimum coverage policy in Columbus, but you need to be a member of the military to be eligible to purchase it.

Esurance, the most expensive option, costs $991 yearly. That’s more than double the premium of the city’s cheapest insurer, GEICO. Minimum coverage is the cheapest option for drivers looking to save on premiums. However, it comes with the risk of not being fully covered since there is no collision or comprehensive insurance included.

The table below can show you the costs for different liability limits.

Cheapest Minimum Liability Car Insurance in Columbus
State Minimum

A state minimum policy in Columbus costs the least but also offers limited protection since it only carries the 25/50/25 minimum liability coverage required by Georgia laws. This means your out-of-pocket costs may be quite high if you’re in an accident.

For instance, if the other driver’s medical expenses are $35,000, state minimum insurance covers $25,000 of that. In an at-fault accident, the remaining $10,000 will be your responsibility to pay.

Georgia Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Columbus if You Have Driving Violations

Any DUIs, at-fault accidents and speeding tickets on your driving record will increase the cost of your auto insurance. Depending on the violation, the most affordable car insurance companies in Columbus are:

  • Cheapest after a ticket: GEICO, $1,075 per year
  • Cheapest after an at-fault accident: GEICO, $1,281 per year
  • Cheapest after a DUI: State Farm, $1,359 per year

If you’re in the military, USAA is the cheapest option for drivers with an at-fault accident or speeding ticket violation at $1,141 per year and $947 per year, respectively.

As you improve your driving record over time, your car insurance premiums will decrease. In the meantime, you should compare quotes from several different insurers to find the best cheap car insurance for drivers with bad records.

Cheapest Car Insurance in Columbus With a Violation
Speeding Ticket

Average Cost of Car Insurance in Columbus

Columbus$1,259
Georgia$1,638
U.S.$1,424

The average cost of car insurance in Columbus is about $1,259 per year, which is cheaper than both the state and national averages. In Columbus, drivers typically pay 11.6% less than the national average of $1,424 and about 23.1% less than the $1,638 Georgia average.

Personalized Quotes to Get You the Cheapest Car Insurance in Columbus

Car insurance providers in Columbus use many individual parameters to assess risk and calculate insurance premiums. These include age, location, driving history, credit score and the car’s make and model, among others. As your circumstances change over time, so will your premiums, as will your eligibility for rebates and discounts.

To get the most accurate rates and save money on insurance costs, you need to regularly compare personalized quotes from different providers.

Compare Car Insurance Rates in Columbus

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

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Insurance Rates

The Best Car Insurance Companies in Columbus

MoneyGeek ranked the auto insurers companies in Columbus to help you find the best combination of affordable insurance policies and great service. Based on our analyses, the best overall insurance companies in Columbus are:

  • Auto-Owners: MoneyGeek score of 90 out of 100
  • ALFA: MoneyGeek score of 88 out of 100

At 95 out of 100, USAA had the highest MoneyGeek score in Columbus. However, since only veterans, current members of the military and their families can get insurance through USAA, we did not include it in our list.

To evaluate the insurance companies’ scores out of 100 points, MoneyGeek looked at several factors, such as insurer financial stability, customer satisfaction and affordability. We also used multiple resources in our evaluation, including findings by data analytics and consumer intelligence company J. D. Power.


1
USAA
Score:95

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

3
ALFA
Score:87.5

4/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

4
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
State Farm
Score:82.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

8
MetLife
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

11
Liberty Mutual
Score:77.5

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Allstate
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

13
National General
Score:72.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

In many places, where you live impacts the cost of car insurance premiums. However, there is little variance in Columbus between different areas. People living in ZIP code 31909 pay an average annual premium of $1,252, while those in ZIP code 31907 pay about $1,265.

  • Zip Code
    State Minimumper year
  • 31909
    $1,252
  • 31907
    $1,265

Factors That Impact Insurance Costs in Columbus

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Columbus. How Columbus ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities118th/300
handcuffs2 icon
Most Car Thefts159th/300
uninsured icon
Most Uninsured Motorists by State25th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall54th/300
umbrella icon
Most Rainy Days122nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Columbus are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.