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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.

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2023

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.

Company
Annual Premium
Monthly Premium

Country Financial

$305

$25

Auto-Owners Insurance Co

$329

$27

Country Financial

$342

$28

Auto-Owners Insurance Co

$399

$33

Mercury

$407

$34

Mercury

$407

$34

Progressive

$413

$34

Progressive

$420

$35

GEICO

$431

$36

GEICO

$453

$38

Auto-Owners Insurance Co

$467

$39

Country Financial

$495

$41

Progressive

$506

$42

Allstate

$566

$47

State Farm

$569

$47

Allstate

$573

$48

Mercury

$585

$49

State Farm

$604

$50

Allstate

$614

$51

Country Financial

$633

$53

Country Financial

$725

$60

State Farm

$736

$61

GEICO

$774

$65

Auto-Owners Insurance Co

$829

$69

Allstate

$844

$70

Auto-Owners Insurance Co

$873

$73

Allstate

$892

$74

GEICO

$894

$75

Allstate

$906

$76

GEICO

$973

$81

State Farm

$1,033

$86

Progressive

$1,034

$86

Country Financial

$1,043

$87

Mercury

$1,053

$88

Progressive

$1,085

$90

State Farm

$1,120

$93

Mercury

$1,125

$94

Auto-Owners Insurance Co

$1,191

$99

Progressive

$1,353

$113

State Farm

$1,416

$118

GEICO

$1,548

$129

Mercury

$1,577

$131

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.

Company
Annual Premium
Monthly Premium

Country Financial

$305

$25

Auto-Owners Insurance Co

$329

$27

Country Financial

$342

$28

Auto-Owners Insurance Co

$399

$33

Mercury

$407

$34

Mercury

$407

$34

Progressive

$413

$34

Progressive

$420

$35

GEICO

$431

$36

GEICO

$453

$38

Auto-Owners Insurance Co

$467

$39

Country Financial

$495

$41

Progressive

$506

$42

Allstate

$566

$47

State Farm

$569

$47

Allstate

$573

$48

Mercury

$585

$49

State Farm

$604

$50

Allstate

$614

$51

Country Financial

$633

$53

Country Financial

$725

$60

State Farm

$736

$61

GEICO

$774

$65

Auto-Owners Insurance Co

$829

$69

Allstate

$844

$70

Auto-Owners Insurance Co

$873

$73

Allstate

$892

$74

GEICO

$894

$75

Allstate

$906

$76

GEICO

$973

$81

State Farm

$1,033

$86

Progressive

$1,034

$86

Country Financial

$1,043

$87

Mercury

$1,053

$88

Progressive

$1,085

$90

State Farm

$1,120

$93

Mercury

$1,125

$94

Auto-Owners Insurance Co

$1,191

$99

Progressive

$1,353

$113

State Farm

$1,416

$118

GEICO

$1,548

$129

Mercury

$1,577

$131

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.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$378

$32

Country Financial

$417

$35

GEICO

$431

$36

Auto-Owners Insurance Co

$460

$38

Country Financial

$468

$39

Auto-Owners Insurance Co

$486

$41

Country Financial

$494

$41

Country Financial

$511

$43

Country Financial

$523

$44

Auto-Owners Insurance Co

$536

$45

GEICO

$541

$45

Progressive

$565

$47

Country Financial

$587

$49

Auto-Owners Insurance Co

$591

$49

Mercury

$601

$50

Progressive

$615

$51

Allstate

$619

$52

Mercury

$621

$52

Allstate

$627

$52

Progressive

$647

$54

State Farm

$653

$54

State Farm

$653

$54

GEICO

$657

$55

Progressive

$659

$55

Allstate

$675

$56

Mercury

$677

$56

Country Financial

$679

$57

Progressive

$684

$57

Auto-Owners Insurance Co

$691

$58

GEICO

$692

$58

State Farm

$695

$58

State Farm

$695

$58

Country Financial

$702

$59

Progressive

$708

$59

Allstate

$709

$59

State Farm

$719

$60

Allstate

$720

$60

Allstate

$720

$60

Allstate

$730

$61

Auto-Owners Insurance Co

$740

$62

Mercury

$740

$62

State Farm

$763

$64

GEICO

$774

$65

Allstate

$781

$65

Mercury

$789

$66

Allstate

$793

$66

Mercury

$809

$67

Progressive

$821

$68

State Farm

$845

$70

State Farm

$845

$70

Country Financial

$850

$71

Country Financial

$859

$72

GEICO

$894

$75

Auto-Owners Insurance Co

$899

$75

State Farm

$930

$78

Auto-Owners Insurance Co

$931

$78

Mercury

$931

$78

Progressive

$934

$78

Allstate

$943

$79

Country Financial

$957

$80

Progressive

$960

$80

Country Financial

$983

$82

Auto-Owners Insurance Co

$988

$82

Allstate

$1,000

$83

GEICO

$1,001

$83

Country Financial

$1,015

$85

Allstate

$1,019

$85

Country Financial

$1,044

$87

Auto-Owners Insurance Co

$1,049

$87

Allstate

$1,111

$93

Allstate

$1,120

$93

Mercury

$1,135

$95

Auto-Owners Insurance Co

$1,154

$96

GEICO

$1,163

$97

Mercury

$1,167

$97

State Farm

$1,175

$98

State Farm

$1,175

$98

Allstate

$1,181

$98

Allstate

$1,189

$99

Country Financial

$1,190

$99

Allstate

$1,211

$101

Allstate

$1,221

$102

Auto-Owners Insurance Co

$1,239

$103

State Farm

$1,272

$106

State Farm

$1,272

$106

State Farm

$1,284

$107

GEICO

$1,327

$111

GEICO

$1,332

$111

Auto-Owners Insurance Co

$1,343

$112

State Farm

$1,388

$116

Country Financial

$1,405

$117

Country Financial

$1,420

$118

GEICO

$1,433

$119

Progressive

$1,452

$121

GEICO

$1,548

$129

Mercury

$1,561

$130

Progressive

$1,568

$131

GEICO

$1,582

$132

State Farm

$1,610

$134

State Farm

$1,610

$134

Mercury

$1,619

$135

Mercury

$1,651

$138

Auto-Owners Insurance Co

$1,675

$140

Auto-Owners Insurance Co

$1,676

$140

Progressive

$1,680

$140

Country Financial

$1,726

$144

Progressive

$1,748

$146

State Farm

$1,758

$147

GEICO

$1,767

$147

Progressive

$1,795

$150

Mercury

$1,801

$150

Auto-Owners Insurance Co

$1,827

$152

GEICO

$1,981

$165

Progressive

$2,003

$167

Progressive

$2,007

$167

Mercury

$2,029

$169

Mercury

$2,118

$177

Progressive

$2,223

$185

Mercury

$2,279

$190

Progressive

$2,359

$197

Auto-Owners Insurance Co

$2,454

$204

GEICO

$2,582

$215

Mercury

$2,606

$217

Mercury

$2,854

$238

GEICO

$3,118

$260

GEICO

$3,411

$284

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$820

$2,459

GEICO

$892

$2,675

GEICO

$924

$3,138

GEICO

$936

$2,806

Allstate

$982

$1,491

Allstate

$1,009

$1,435

Allstate

$1,057

$1,948

Allstate

$1,057

$1,605

Allstate

$1,079

$4,093

Allstate

$1,107

$1,902

Allstate

$1,118

$2,038

Allstate

$1,128

$1,603

Allstate

$1,135

$1,723

Auto-Owners Insurance Co

$1,151

$3,230

Allstate

$1,165

$1,855

Allstate

$1,177

$2,169

Auto-Owners Insurance Co

$1,199

$3,176

Allstate

$1,208

$2,565

Allstate

$1,219

$1,733

Allstate

$1,235

$4,328

Auto-Owners Insurance Co

$1,262

$3,343

Allstate

$1,303

$2,637

Auto-Owners Insurance Co

$1,304

$3,760

GEICO

$1,312

$5,023

Auto-Owners Insurance Co

$1,335

$3,538

Allstate

$1,344

$2,449

Auto-Owners Insurance Co

$1,370

$3,844

Auto-Owners Insurance Co

$1,384

$4,407

Auto-Owners Insurance Co

$1,444

$4,053

Progressive

$1,448

$2,430

Allstate

$1,448

$5,492

GEICO

$1,471

$3,281

Allstate

$1,495

$7,431

GEICO

$1,496

$2,888

Progressive

$1,525

$2,508

Progressive

$1,563

$3,315

Auto-Owners Insurance Co

$1,565

$4,973

Allstate

$1,565

$6,498

GEICO

$1,567

$5,859

State Farm

$1,584

$2,555

Progressive

$1,586

$2,662

Auto-Owners Insurance Co

$1,595

$4,035

GEICO

$1,607

$3,103

Allstate

$1,608

$5,636

GEICO

$1,613

$3,279

Progressive

$1,632

$3,041

GEICO

$1,651

$3,189

Progressive

$1,682

$2,824

GEICO

$1,685

$4,166

GEICO

$1,701

$3,378

GEICO

$1,718

$3,834

GEICO

$1,731

$6,630

Progressive

$1,736

$2,856

State Farm

$1,776

$2,866

State Farm

$1,789

$2,827

Auto-Owners Insurance Co

$1,814

$5,132

Auto-Owners Insurance Co

$1,819

$4,602

Progressive

$1,823

$3,503

Progressive

$1,825

$3,955

Auto-Owners Insurance Co

$1,826

$6,594

Auto-Owners Insurance Co

$1,837

$5,836

State Farm

$1,855

$3,441

Progressive

$1,901

$3,126

State Farm

$1,926

$3,107

GEICO

$1,940

$10,635

State Farm

$1,999

$3,724

State Farm

$2,039

$3,223

GEICO

$2,041

$4,703

GEICO

$2,057

$4,085

Progressive

$2,082

$5,307

State Farm

$2,145

$3,979

GEICO

$2,163

$8,087

Progressive

$2,179

$4,620

Progressive

$2,179

$10,162

State Farm

$2,234

$3,529

Auto-Owners Insurance Co

$2,237

$7,211

Auto-Owners Insurance Co

$2,272

$5,821

State Farm

$2,283

$4,780

State Farm

$2,286

$4,259

Auto-Owners Insurance Co

$2,342

$6,139

Auto-Owners Insurance Co

$2,359

$6,043

GEICO

$2,399

$12,973

Auto-Owners Insurance Co

$2,412

$8,125

State Farm

$2,413

$4,448

Progressive

$2,438

$6,358

Progressive

$2,439

$11,548

Auto-Owners Insurance Co

$2,479

$7,990

Progressive

$2,485

$11,739

Progressive

$2,554

$5,533

State Farm

$2,620

$5,455

Progressive

$2,662

$12,415

Progressive

$2,728

$12,962

State Farm

$2,834

$5,976

State Farm

$2,845

$5,243

State Farm

$2,934

$6,652

Progressive

$2,956

$13,960

State Farm

$2,987

$6,219

State Farm

$3,273

$6,818

State Farm

$3,737

$7,784

State Farm

$3,756

$8,873

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.

Company
Annual Premium
Monthly Premium

Country Financial

$305

$25

Auto-Owners Insurance Co

$329

$27

Country Financial

$342

$28

USAA

$367

$31

USAA

$380

$32

Auto-Owners Insurance Co

$399

$33

Mercury

$407

$34

Mercury

$407

$34

Progressive

$413

$34

Progressive

$420

$35

GEICO

$431

$36

USAA

$445

$37

GEICO

$453

$38

Auto-Owners Insurance Co

$467

$39

Country Financial

$495

$41

Progressive

$506

$42

Allstate

$566

$47

State Farm

$569

$47

Allstate

$573

$48

Mercury

$585

$49

State Farm

$604

$50

Allstate

$614

$51

Country Financial

$633

$53

Country Financial

$725

$60

USAA

$735

$61

State Farm

$736

$61

USAA

$750

$62

GEICO

$774

$65

Auto-Owners Insurance Co

$829

$69

Allstate

$844

$70

Auto-Owners Insurance Co

$873

$73

Allstate

$892

$74

GEICO

$894

$75

Allstate

$906

$76

USAA

$933

$78

GEICO

$973

$81

State Farm

$1,033

$86

Progressive

$1,034

$86

Country Financial

$1,043

$87

Mercury

$1,053

$88

Progressive

$1,085

$90

State Farm

$1,120

$93

Mercury

$1,125

$94

Auto-Owners Insurance Co

$1,191

$99

Progressive

$1,353

$113

State Farm

$1,416

$118

GEICO

$1,548

$129

Mercury

$1,577

$131

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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USAA

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?

Country Financial

pros

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

cons

Has a low score for available coverages

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Country Financial Auto Insurance Review

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?

Auto-Owners Insurance

pros

Has fair scores for coverages and claims experience

Offers diminished value, gap insurance and roadside assistance coverage

cons

Has an average customer service rating despite being the best in Columbus

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

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?

Auto-Owners Insurance

pros

Offers affordable rates at $329 per year

Has accident forgiveness and deductible modification coverage

Offers a responsible payment discount

cons

Has a low customer satisfaction rating

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

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


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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.