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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.

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The Best Cheap Car Insurance Companies in Columbus

In Columbus, USAA is the most affordable car insurance provider. However, their insurance policies are strictly for active-duty military members, retired veterans, honorably separated former service members and their families. The second most affordable car insurance company in Columbus is Erie. In fact, drivers who have coverage from Erie save around 85.1% compared to those who have a similar policy from Esurance, which is the most expensive car insurance company in Columbus.

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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.

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Cheapest Car Insurance in Columbus by Coverage Amount

How much car insurance coverage you purchase in Columbus also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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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.

In Columbus, the minimum liability coverage is $25,000 bodily injury liability per person, $50,000 bodily injury per accident and $25,000 property damage liability per accident. You can also opt for a 50/100/50 liability-only or full-coverage plan. If this is the case, you will get coverage of $50,000 worth of medical bills per person and $100,000 total per vehicle, along with $50,000 worth of property damage repair. Another option is the 100/300/100 full-coverage, option.

Erie is among the car insurance companies in Columbus that offer all of those options. Their state minimum liability-only coverage costs just $266 per year on average. Meanwhile, 50/100/50 liability-only costs an average of $302 annually. Adding around $256 can get you a full-coverage policy that also covers your own expenses. Meanwhile, their 100/300/100 full-coverage policy costs $593 per year on average.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Columbus if You Have Tickets

A driver with a speeding ticket or any other moving violation on their driving record will typically pay higher insurance rates compared to those with clean records. For example, in Columbus, an American Family policyholder with a speeding ticket, at-fault accident record or DUI will pay an average of $679 per year. This is around $31 higher than the cost for an individual with no violations on record.

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
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Most Car Thefts112th/300
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Most Uninsured Motorists by State22nd/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall114th/300
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Most Rainy Days22nd/300

Shopping around for car insurance in Columbus could save you $200, which is enough to buy:


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67Cups of Coffee
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15Months of Your Favorite Streaming Service

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.

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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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.