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.
Compare the Cheapest Car Insurance Quotes in Columbus, GA
The Cheapest and Best Car Insurance in Columbus
The Cheapest Car Insurance Companies in Columbus
For a full coverage car insurance policy in Columbus, the following two companies are the cheapest.
- USAA: $823 yearly (only serving current and former military members)
- GEICO: $899 yearly
MoneyGeek used a 40-year-old male driver's profile to find the cheapest companies based on coverage type. The driver has a full coverage policy, including liability insurance and comprehensive and collision coverage.
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Average Cost of Car Insurance in Columbus
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.
The Best Car Insurance Companies in Columbus
MoneyGeek ranked the best insurance companies in Columbus for drivers looking for affordable insurance policies with great service. The two companies that were rated the best in Columbus for most drivers are:
- Auto-Owners: MoneyGeek score of 90 out of 100
- ALFA: MoneyGeek score of 88 out of 100
USAA received the highest score in Columbus by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To evaluate the companies’ scores out of 100 points, MoneyGeek used user satisfaction, affordability and financial stability data from J.D. Power, among other criteria.
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.
Shopping around for car insurance in Columbus could save you $360, which is enough to buy:
Cheapest Car Insurance in Columbus by Coverage Amount
In Columbus and elsewhere, the amount of coverage you opt for determines your insurance rate. A state minimum liability plan covering bodily injuries and property damage costs an average of $732 annually. A full coverage policy with higher liability limits costs $1,259 on average. That’s a significant difference of $527.
Georgia Minimum Liability Requirements
- 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.
In Columbus, car insurance providers offer several coverage levels. If you want cheap car insurance in Columbus, the most affordable option for many drivers is a state minimum liability plan from GEICO that costs $409 per year on average. However, it might be prudent to purchase additional coverage. A 50/100/50 liability-only or full-coverage plan can get you $50,000 for medical costs per person, with a limit of $100,000 per vehicle, along with $50,000 for property damage.
A full-coverage plan also takes care of your own expenses in case of an accident. However, a full-coverage policy is more expensive. For example, a full-coverage 50/100/50 policy from GEICO costs about $795, an average increase of $262 from their 50/100/50 liability-only premium.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Columbus if You Have Driving Violations
A clean driving record helps if you want cheap car insurance in Columbus. Premiums can increase with driving violations like speeding tickets, at-fault accidents and DUIs. A driver with no traffic violations would get an average premium of $899 from GEICO. That rate would increase by about $176 for a driver with a speeding ticket. A driver involved in an at-fault accident would have to pay about $382 more, while DUIs can add thousands of dollars.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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.
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