Drivers in Columbus want the best and cheapest rates for full and minimum coverage car insurance that will suit their needs and preferences.
Country Financial is the best overall car insurance provider. It offers the least expensive full-coverage car insurance and is most affordable for drivers with offenses. USAA provides the most affordable car insurance for current and former military members. Allstate offers the cheapest car insurance for teens on a family policy.
Auto-Owners Insurance Co offers the cheapest minimum car insurance in Columbus, GA.
Cheapest and Best Car Insurance in Columbus, GA
Cheapest Minimum Liability Car Insurance in Columbus
The cheapest car insurance companies for a minimum coverage policy in Columbus, GA, are:
- Auto-Owners Insurance Co: $329 per year
- Country Financial: $342 per year
The most expensive auto insurance in the city for a minimum coverage policy is offered by State Farm. Its annual premium costs $604 as of October 2022.
Country Financial is the cheapest car insurance company in Georgia, with an annual average premium of $321.
Georgia state law requires drivers to have the following bodily injury liability and property damage liability limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Liability coverage is essential for any insurance policy. It relieves you from financial stress due to accidents or injuries caused to other people.
For instance, if you have $25,000 in bodily injury liability coverage per person and $50,000 per accident, your insurance will only cover up to $25,000 in damages for each victim, up to a maximum of $50,000 per accident. You are responsible for all costs that exceed this amount.
Cheapest Full Coverage Car Insurance in Columbus
The cheapest car insurance companies for a full coverage policy in Columbus are:
- Country Financial: $725 per year
- Auto-Owners Insurance Co: $829 per year
The most expensive insurance company in the city is offered by Mercury. Its annual premium costs $1,125 for a full coverage policy.
The cheapest insurance provider for full coverage in Georgia is Country Financial. Its annual premium costs $675 as of October 2022. Note that location plays a crucial role in determining the rates for your insurance policy.
A full coverage car insurance provides maximum protection for all vehicles as it includes comprehensive and collision insurance.
- Collision insurance protects your car in case you collide with another vehicle or object, like a mailbox or lamp post.
- Comprehensive insurance protects your vehicle from theft, natural disasters, vandalism or fire.
With comprehensive and collision insurance, you’ll have peace of mind that damages to your vehicle will be covered. If you have an older car, this added coverage may not be worth the extra cost.
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Cheapest Car Insurance in Columbus After a Driving Offense
The cheapest car insurance companies for drivers with the following violations are:
- Speeding ticket: Auto-Owners Insurance Co ($931 per year)
- At-fault accident: Country Financial ($1,015 per year)
- DUI: Allstate ($1,111 per year)
Mercury has the most expensive rates for drivers with speeding tickets and accidents at $1,651 and $2,279, respectively. Meanwhile, GEICO is the most expensive for drivers with DUIs, with an average annual cost of $3,118.
Driving violations significantly increase the cost of your insurance. Even if drivers with violations can find reasonable rates, they typically still pay more for car insurance than drivers with clean records.
The cost of insurance typically increases with the severity of the driving violation. For instance, drivers with a DUI may pay more for insurance than those with a speeding ticket. In Columbus, drivers with a DUI can expect to pay $435 more for insurance than those with a clean driving history. Likewise, drivers with a speeding ticket will pay $242 more.
Insurance premiums vary depending on the city or state where you live. Getting the cheapest car insurance for poor driving records will protect you in the future.
Cheapest Car Insurance in Columbus for Teens and Their Families
The most affordable car insurance providers for 16-year-old teens on a family policy in Columbus, GA, are
- Allstate: $1,495 per year for female teens, $1,565 for male teens
- GEICO: $1,940 per year for female teens and $2,399 for male teens
State Farm offers the most expensive auto insurance for teens on a family insurance policy at $2,934 for female teens and $3,756 for male teens. The cheapest policy from Allstate costs $70 less for female teens than it does for male teens.
Car insurance typically costs less for female teens, as male teenagers are considered riskier to insure. However, this cost discrepancy becomes negligible in early adulthood.
It costs significantly more to purchase an individual teen policy than to add a teen to a parent’s existing policy. In Columbus, a 16-year-old male teenager could save an average of $3,112 per year by joining their family’s policy instead of purchasing an individual policy.
You can still find the cheapest car insurance for teens by shopping around and comparing rates.
Cheapest Car Insurance in Columbus for Military Drivers
In Columbus, current and former military members and their families can get the cheapest car insurance from:
- Country Financial: $725 per year
- USAA: $750 per year
While Country Financial is the cheapest car insurance for drivers with a military background, our runner-up choice, USAA, is also an excellent option. This provider caters exclusively to active or former military members and their families.
On the other hand, the cheapest insurance companies for minimum coverage are Auto-Owners Insurance Co and Country Financial. These insurers charge a yearly premium of $329 and $342, respectively.
How to Compare Cheap Columbus Car Insurance Quotes Online
Finding car insurance quotes in Columbus, GA, can be time-consuming — it can take up to 15 minutes or more to input all the required information for just one quote. MoneyGeek’s car insurance calculator simplifies the process for you. Simply provide your age, car model, coverage level and driving record, and it will generate your quote.
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See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Columbus: Summary
The best car insurance for you depends on your preferences and needs. We evaluated car insurers in Columbus, GA based on cost, service coverage and other factors. The following are our top insurers:
- Best overall: Country Financial (MoneyGeek score of 81 out of 100)
- Best for service: Auto-Owners Insurance Co (MoneyGeek score of 66 out of 100)
- Best cheap: Country Financial (MoneyGeek score of 81 out of 100)
The overall MoneyGeek score varies based on certain factors that are weighted for every category. In Columbus, Country Financial is the best overall insurer, while State Farm offers the best car insurance in Georgia statewide.
USAA is an excellent choice if you’re a driver with a military background. This insurer is our runner-up choice for military-affiliated drivers.
Best Overall Car Insurance in Columbus
The best car insurance companies in Columbus are:
- Country Financial: MoneyGeek score of 81 out of 100 ($725 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 74 out of 100 ($829 per year)
Country Financial has high ratings for affordability and customer service. Military members and their families can get excellent deals from USAA — the insurer received a high MoneyGeek score of 83 out of 100.
How was this MoneyGeek score calculated?
Has the most affordable rates at $725 per year
Offers quality customer service
Offers coverage for rental car and/or travel reimbursement and glass deductible modification
Has a low score for available coverages
Country Financial is the best overall car insurance company in Columbus. It has high scores in affordability and customer service.
This insurer offers rental car and/or travel reimbursement coverage. With this coverage, if you get into an accident away from home, you can be reimbursed for rental car expenses up to $800. If the accident occurs more than 100 miles away from your home, this coverage extends to other travel expenses, like transportation, lodging and meals.
Glass deductible coverage helps if you need to repair your windshield, car windows or headlight covers. With this additional coverage, you won’t need to pay your comprehensive coverage deductible.
Best Car Insurance in Columbus for Customer Service
In Columbus, the following companies are the best for customer service:
- Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($829 per year)
- Country Financial: MoneyGeek score of 65 out of 100 ($725 per year)
Auto-Owners Insurance Co scored well in coverage availability and claims. Country Financial fared well in customer service. Both insurers are relatively affordable compared to other providers.
How was this MoneyGeek score calculated?
Has fair scores for coverages and claims experience
Offers diminished value, gap insurance and roadside assistance coverage
Has an average customer service rating despite being the best in Columbus
Auto-Owners Insurance Co is the best insurance provider in Columbus for customer service. It scored well in coverage and claims experience. This insurer offers coverages like roadside assistance, gap insurance and diminished value coverage.
Roadside assistance ensures that if your car breaks down on the side of the road, you’ll be covered for the cost of tire replacement services, battery deliveries or mechanical malfunctions. With gap insurance, the insurer will pay for the difference between the current value of the vehicle and the remaining amount on the lease or loan of your car. Diminished value coverage protects your car when you have an accident. It ensures that you’re compensated for a reduction in value.
Best Cheap Car Insurance Companies in Columbus
MoneyGeek evaluated insurers for their minimum coverage policies that include the mandated minimum coverage requirements in Georgia. We found that the following providers offered the best balance of affordability and customer service:
- Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 ($329 per year)
- Country Financial: MoneyGeek score of 80 out of 100 ($342 per year)
Minimum coverage policies in Columbus may be more affordable, but they offer the lowest amount of liability coverage. These policies won’t cover damages to your vehicle if you get into an accident.
How was this MoneyGeek score calculated?
Offers affordable rates at $329 per year
Has accident forgiveness and deductible modification coverage
Offers a responsible payment discount
Has a low customer satisfaction rating
Auto-Owners Insurance Co is the best cheap car insurance provider in Columbus, GA. It offers the most affordable rates and has an above-average record for customer service.
With accident forgiveness coverage, your insurance won’t increase after your first at-fault accident. To qualify, drivers must not have paid any at-fault claims or incurred a significant violation for 36 months prior to applying for the coverage. Deductible modification coverage waives your collision deductive if you’re involved in an accident with another car that’s also insured by Auto-Owners Insurance Co.
In addition to having affordable premiums, the insurer also offers opportunities for policyholders to save money. With its responsible payment discount, insurers can reduce the cost of their premium if they’ve made timely payments for the past 36 months.
Average Cost of Car Insurance in Columbus
The average cost of auto insurance in Columbus for a full coverage policy is $957 per year. This rate applies to a full coverage policy with the following limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
Rates vary depending on location. The city’s average car insurance cost is $55 cheaper than the average cost of car insurance in Georgia — $1,012 per year as of October 2022. Meanwhile, the national average cost of car insurance is $1,265 per year.
About Mark Fitzpatrick