Compare the Cheapest Car Insurance Quotes in Columbus, OH

Columbus drivers pay an average of $793 annually for auto insurance, slightly lower than the average annual cost in Ohio. The cheapest widely-available insurer is Erie, with an average rate of $593 per year. MoneyGeek analyzed the cheapest options by coverage levels and driving history. MoneyGeek also recommended the best insurance providers for drivers focused on quality and cost.

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

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Last Updated: 9/22/2022
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A comprehensive car policy from Erie costs roughly $593 per year or $266 annually for minimum liability coverage. With a $617 premium, Erie is also great for drivers who have speeding tickets. The cheapest choice is USAA, but it only covers active and former military members and their families. MoneyGeek recommends Erie for its low prices and excellent customer support.

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The Cheapest and Best Car Insurance in Columbus

The Cheapest Car Insurance Companies in Columbus

On average, the following insurance companies in Columbus give the best value for a full coverage policy:

  • Erie: $593 per year
  • GEICO: $599 per year

Former and current Columbus military personnel and their families will find USAA auto insurance an affordable option with an annual premium of $508.

In Columbus, Erie offers the most reasonable car insurance. Esurance, on the other hand, charges the most in the city, at $1,098 per year. Comprehensive and collision coverage premiums are the same for both companies. If you explore alternative liability limits coverage and have a different driving profile, your premium may change.

Cheapest Car Insurance in Columbus
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $508
  • 2.
    Erie
    $593
  • 3.
    GEICO
    $599
  • 4.
    American Family
    $648
  • 5.
    State Farm
    $689
  • 6.
    Nationwide
    $776
  • 7.
    Progressive
    $811
  • 8.
    Allstate
    $823
  • 9.
    MetLife
    $854
  • 10.
    Travelers
    $872
  • 11.
    Farmers
    $961
  • 12.
    Esurance
    $1,098

According to our methodology, these rates are based on averages for a 40-year-old male driver who purchased a full-coverage policy.

While comprehensive and collision insurance is more expensive than the state's minimum liability coverage and other coverages, a full coverage car insurance policy includes both. This is critical since it safeguards you from the financial burden of car damage.

  • Comprehensive Insurance: This protects you against damage to your car from non-collision, such as hail, theft or vandalism.
  • Collision Insurance: This covers the cost of repairs to your car if you collide with another vehicle or a stationary object.

A full coverage car insurance policy may cost more than the car is worth if you possess an older vehicle. Older car owners who want to save money may settle for liability-only insurance or coverage that satisfies the bare minimums set by their states.

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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Cheapest Car Insurance in Columbus for Minimum Coverage

In Columbus, policies with minimal coverage are the most cost-effective option. On average, state minimum insurance policies have the following insurers as the most affordable options:

  • Erie: $266 per year
  • GEICO: $349 per year

Former and current Columbus military personnel and their families will find USAA car insurance an affordable option with an annual premium of $239.

Erie's coverage is $588 less expensive than Esurance's annual premium of $854. While minimum coverage policies are the least expensive option, they also exclude comprehensive and collision coverage and provide much lower liability limits. This may put you in danger of not having adequate coverage in the event of an accident. The table illustrates how rates change when liability limitations increase.

Cheapest Minimum Liability Car Insurance in Columbus
State Minimum

Ohio drivers must carry 50/100/50 liability only insurance. This is the cheapest car insurance policy in Columbus, so your monthly premium will be lower. However, if you're in an accident, you will likely have to pay more out of pocket.

Assume you are at fault for an accident, and the other party's medical expenses exceed $60,000. As a result, your primary health insurance will cover only up to $40,000 in medical bills, leaving you responsible for the remaining $20,000 in expenses.

Ohio 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

Speeding tickets and DUIs can significantly raise the cost of Columbus car insurance. According to your specific violation, the following insurance companies offer the best value on average:

  • Cheapest after a ticket: Erie, $617 per year
  • Cheapest after an at-fault accident: American Family, $679 per year
  • Cheapest after a DUI: American Family, $679 per year

If you have a history of driving offenses, the best course of action is to progressively improve your record. After receiving a traffic ticket or being involved in a car accident, compare insurance quotes to see which companies offer the most affordable premiums.

Cheapest Car Insurance in Columbus With a Violation
Speeding Ticket

Average Cost of Car Insurance in Columbus

Columbus$793
Ohio$803
U.S.$1,424

In Columbus, the average cost of car insurance is $793 per year, which is roughly equivalent to the statewide average but much lower than the national annual premium average. In comparison, the city’s annual premium is 1.2% less than the average annual cost of $803 in the state of Ohio. Drivers in Columbus also pay 44.3% less than the national average, which is $1,424.

Personalized Quotes to Get You the Cheapest Car Insurance in Columbus

When determining car insurance quotes in Columbus, companies evaluate factors to determine the risk associated with a driver. Among these factors are age, gender, make and model of the vehicle, driving record and ZIP code. For instance, in Columbus, an American Family policy for a 40-year-old male driver is $879 cheaper than a policy for an 18-year-old male driver. Any changes in your circumstances can affect the insurance cost, so getting a personalized quote regularly from different companies will help you find the best car insurance in Columbus.

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 evaluated the top insurers in Columbus to assist drivers in their search for car insurance carriers that strike a balance between pricing and service quality. According to MoneyGeek ratings, the best insurance in Columbus for the majority of drivers are:

  • Erie: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 88 out of 100

MoneyGeek's rating system awarded USAA the highest score in Columbus. Unfortunately, since USAA is exclusively available to military personnel, veterans and their families, it is not recognized as the best overall.

MoneyGeek calculated evaluations from various sources to determine the final score out of 100, including J.D. Power’s user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Erie
Score:95

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A+

Financial Stability

3
Hartford
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

4
Auto-Owners Insurance Co
Score:88

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
GEICO
Score:88

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Cincinnati Insurance Companies
Score:88

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

8
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

9
Nationwide
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code has an impact on the cost of your car insurance in Columbus, as well. Auto insurance companies consider a region's accident rate, car theft rate and more when determining risk factors for a driver. For example, drivers living in the most affordable region for auto coverage — 43230 — pay $65 less in annual car insurance premiums than those who are from the 43232 Zip code, the city’s most expensive ZIP code in terms of auto insurance.

  • Zip Code
    State Minimumper year
  • 43230
    $750
  • 43228
    $780
  • 43229
    $807
  • 43207
    $814
  • 43232
    $815

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 car thefts 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 Fatalities162nd/300
handcuffs2 icon
Most Car Thefts112th/300
uninsured icon
Most Uninsured Motorists by State22nd/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall114th/300
umbrella icon
Most Rainy Days22nd/300

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.