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Cheapest Car Insurance Companies in Columbus, OH (2023 Rates)


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Updated: Oct 28, 2023
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Your profile and needs can determine which car insurance company is the cheapest for you.

Erie is the cheapest insurer in Columbus for minimum coverage. Nationwide is the cheapest for full coverage, teens, seniors and those with bad credit. American Family has the best rates for those with OVIs, accidents and young drivers. Auto-Owners is the cheapest for tickets, State Farm for sports cars and USAA for military families.

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2023

Cheapest Car Insurance in Columbus, OH

Cheapest Minimum Coverage Car Insurance in Columbus

The most affordable car insurance companies for a minimum coverage policy in Columbus are:

  • Erie: $216 per year
  • Nationwide: $258 per year

State Farm is the most expensive insurer in the city, with an annual premium of $2,238.

Nationwide is also the cheapest car insurance company in Ohio, with an annual average premium of $226. This slightly lower rate illustrates that location can impact premiums.

Company
Annual Premium
Monthly Premium

Erie

$212

$18

Erie

$216

$18

Progressive

$247

$21

Nationwide

$249

$21

Nationwide

$258

$22

Progressive

$266

$22

Erie

$275

$23

Auto-Owners Insurance Co

$277

$23

Auto-Owners Insurance Co

$279

$23

Cincinnati Insurance

$304

$25

American Family

$312

$26

American Family

$313

$26

Cincinnati Insurance

$315

$26

American Family

$321

$27

Nationwide

$321

$27

Grange Insurance

$332

$28

Progressive

$334

$28

Grange Insurance

$335

$28

Grange Insurance

$368

$31

Westfield

$374

$31

Cincinnati Insurance

$375

$31

GEICO

$383

$32

Auto-Owners Insurance Co

$395

$33

Westfield

$412

$34

GEICO

$435

$36

Travelers

$436

$36

Westfield

$439

$37

Farmers

$457

$38

Travelers

$467

$39

Farmers

$472

$39

Nationwide

$475

$40

Travelers

$496

$41

GEICO

$502

$42

Nationwide

$511

$43

American Family

$532

$44

Farmers

$539

$45

American Family

$561

$47

Erie

$572

$48

American Family

$580

$48

Erie

$584

$49

Allstate

$587

$49

Auto-Owners Insurance Co

$597

$50

Allstate

$601

$50

Auto-Owners Insurance Co

$613

$51

Nationwide

$618

$51

Progressive

$623

$52

Grange Insurance

$663

$55

Allstate

$671

$56

GEICO

$674

$56

Cincinnati Insurance

$675

$56

Progressive

$676

$56

Grange Insurance

$715

$60

GEICO

$726

$61

Cincinnati Insurance

$734

$61

Erie

$736

$61

Farmers

$782

$65

Grange Insurance

$795

$66

Farmers

$809

$67

Travelers

$813

$68

Travelers

$823

$69

Westfield

$875

$73

Westfield

$881

$73

Progressive

$882

$73

Auto-Owners Insurance Co

$889

$74

Cincinnati Insurance

$895

$75

GEICO

$914

$76

Allstate

$920

$77

Travelers

$959

$80

Allstate

$965

$80

Farmers

$972

$81

Westfield

$1,138

$95

Allstate

$1,178

$98

State Farm

$2,106

$175

State Farm

$2,238

$186

State Farm

$2,727

$227

State Farm

$3,176

$265

State Farm

$3,393

$283

State Farm

$4,312

$359

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In Ohio, car insurance policies must meet the state's minimum liability limits for bodily injury liability and property damage liability. The amounts are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Insurance coverage is important for getting financial protection if you hurt or damage someone else. It pays $50,000 per person and $100,000 per accident. If you cause an accident and the expenses are higher than these limits, you’ll pay any remaining amount yourself.

Cheapest Full Coverage Car Insurance in Columbus

The cheapest auto insurance providers for a full coverage policy in Columbus, Ohio, are:

  • Nationwide: $511 per year
  • American Family: $561 per year

State Farm is the most expensive auto insurance provider for a full coverage policy in the city. Its annual premium costs $3,393. Nationwide is also the cheapest insurer in Ohio, costing an average of $485 annually.

Car insurance rates can vary a lot depending on where you live. The risk of accidents, traffic congestion, crime (e.g., vehicle theft and vandalism) and weather conditions all influence your area’s risk.

Company
Annual Premium
Monthly Premium

Erie

$212

$18

Erie

$216

$18

Progressive

$247

$21

Nationwide

$249

$21

Nationwide

$258

$22

Progressive

$266

$22

Erie

$275

$23

Auto-Owners Insurance Co

$277

$23

Auto-Owners Insurance Co

$279

$23

Cincinnati Insurance

$304

$25

American Family

$312

$26

American Family

$313

$26

Cincinnati Insurance

$315

$26

American Family

$321

$27

Nationwide

$321

$27

Grange Insurance

$332

$28

Progressive

$334

$28

Grange Insurance

$335

$28

Grange Insurance

$368

$31

Westfield

$374

$31

Cincinnati Insurance

$375

$31

GEICO

$383

$32

Auto-Owners Insurance Co

$395

$33

Westfield

$412

$34

GEICO

$435

$36

Travelers

$436

$36

Westfield

$439

$37

Farmers

$457

$38

Travelers

$467

$39

Farmers

$472

$39

Nationwide

$475

$40

Travelers

$496

$41

GEICO

$502

$42

Nationwide

$511

$43

American Family

$532

$44

Farmers

$539

$45

American Family

$561

$47

Erie

$572

$48

American Family

$580

$48

Erie

$584

$49

Allstate

$587

$49

Auto-Owners Insurance Co

$597

$50

Allstate

$601

$50

Auto-Owners Insurance Co

$613

$51

Nationwide

$618

$51

Progressive

$623

$52

Grange Insurance

$663

$55

Allstate

$671

$56

GEICO

$674

$56

Cincinnati Insurance

$675

$56

Progressive

$676

$56

Grange Insurance

$715

$60

GEICO

$726

$61

Cincinnati Insurance

$734

$61

Erie

$736

$61

Farmers

$782

$65

Grange Insurance

$795

$66

Farmers

$809

$67

Travelers

$813

$68

Travelers

$823

$69

Westfield

$875

$73

Westfield

$881

$73

Progressive

$882

$73

Auto-Owners Insurance Co

$889

$74

Cincinnati Insurance

$895

$75

GEICO

$914

$76

Allstate

$920

$77

Travelers

$959

$80

Allstate

$965

$80

Farmers

$972

$81

Westfield

$1,138

$95

Allstate

$1,178

$98

State Farm

$2,106

$175

State Farm

$2,238

$186

State Farm

$2,727

$227

State Farm

$3,176

$265

State Farm

$3,393

$283

State Farm

$4,312

$359

A full coverage car insurance policy includes comprehensive and collision coverage in addition to liability coverage and is the best way to financially protect your vehicle and minimize potential losses.

  • Comprehensive coverage: Protects against weather hazards, theft, vandalism and fire.
  • Collision coverage: Provides protection against damages from accidents with other cars or objects, such as a tree, fence or light pole. It also covers rollover accidents.

A full coverage policy might not be worth the extra cost for older vehicles with low values.

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Cheapest Car Insurance in Columbus After a Driving Offense

The cheapest car insurance companies after driving violations in Columbus are:

  • Speeding ticket: Auto-Owners ($613 per year)
  • At-fault accident: American Family ($733 per year)
  • DUI: American Family ($706 per year)

State Farm is the priciest for drivers with an OVI (Ohio does not use DUI), speeding ticket and at-fault accident. The annual premiums for OVI and a speeding ticket cost $3,765, while it charges $4,137 for an at-fault accident.

A bad driving record can make insurance pricier. The cheapest car insurance companies may charge higher rates for drivers with bad records than for safe drivers.

Company
Annual Premium
Monthly Premium

Erie

$236

$20

Erie

$240

$20

Auto-Owners Insurance Co

$277

$23

Auto-Owners Insurance Co

$279

$23

Erie

$306

$26

Erie

$310

$26

Erie

$316

$26

Progressive

$322

$27

Nationwide

$323

$27

Nationwide

$336

$28

Progressive

$339

$28

Progressive

$345

$29

Cincinnati Insurance

$359

$30

Progressive

$368

$31

Cincinnati Insurance

$373

$31

Erie

$384

$32

Erie

$388

$32

Progressive

$392

$33

American Family

$392

$33

American Family

$392

$33

Auto-Owners Insurance Co

$395

$33

American Family

$397

$33

American Family

$397

$33

Erie

$398

$33

American Family

$400

$33

American Family

$400

$33

American Family

$402

$33

Nationwide

$405

$34

American Family

$406

$34

American Family

$409

$34

Nationwide

$410

$34

Progressive

$417

$35

Nationwide

$426

$36

Auto-Owners Insurance Co

$432

$36

Auto-Owners Insurance Co

$435

$36

Grange Insurance

$436

$36

Cincinnati Insurance

$444

$37

Grange Insurance

$446

$37

Westfield

$448

$37

GEICO

$458

$38

Grange Insurance

$479

$40

Grange Insurance

$484

$40

Progressive

$488

$41

Erie

$491

$41

Westfield

$493

$41

Nationwide

$506

$42

Nationwide

$512

$43

Grange Insurance

$519

$43

GEICO

$525

$44

Grange Insurance

$525

$44

Westfield

$526

$44

Nationwide

$528

$44

Grange Insurance

$531

$44

Grange Insurance

$532

$44

Progressive

$534

$45

Progressive

$556

$46

Cincinnati Insurance

$565

$47

Farmers

$569

$47

Grange Insurance

$583

$49

GEICO

$586

$49

Cincinnati Insurance

$588

$49

Auto-Owners Insurance Co

$597

$50

Travelers

$597

$50

Nationwide

$608

$51

Nationwide

$609

$51

Auto-Owners Insurance Co

$613

$51

Auto-Owners Insurance Co

$617

$51

GEICO

$617

$51

Farmers

$617

$51

Auto-Owners Insurance Co

$623

$52

Travelers

$627

$52

Auto-Owners Insurance Co

$628

$52

Erie

$629

$52

Travelers

$635

$53

Westfield

$635

$53

Erie

$640

$53

Farmers

$651

$54

Nationwide

$653

$54

Farmers

$657

$55

Travelers

$666

$56

Westfield

$673

$56

American Family

$673

$56

American Family

$673

$56

Travelers

$688

$57

Allstate

$691

$58

Cincinnati Insurance

$699

$58

Westfield

$699

$58

American Family

$700

$58

American Family

$706

$59

American Family

$706

$59

Allstate

$710

$59

Travelers

$711

$59

GEICO

$725

$60

American Family

$728

$61

American Family

$728

$61

Farmers

$729

$61

American Family

$733

$61

Travelers

$735

$61

Farmers

$740

$62

Farmers

$741

$62

Cincinnati Insurance

$742

$62

Travelers

$746

$62

Allstate

$748

$62

American Family

$758

$63

Nationwide

$763

$64

Nationwide

$767

$64

Allstate

$769

$64

Cincinnati Insurance

$772

$64

Cincinnati Insurance

$795

$66

GEICO

$800

$67

Allstate

$801

$67

Erie

$807

$67

Erie

$809

$67

Allstate

$809

$67

Nationwide

$813

$68

Farmers

$818

$68

Erie

$818

$68

Progressive

$820

$68

Travelers

$821

$68

Farmers

$832

$69

Allstate

$833

$69

GEICO

$834

$70

Progressive

$846

$71

Cincinnati Insurance

$867

$72

Allstate

$873

$73

Progressive

$887

$74

Auto-Owners Insurance Co

$889

$74

Auto-Owners Insurance Co

$889

$74

Auto-Owners Insurance Co

$902

$75

GEICO

$917

$76

GEICO

$917

$76

Cincinnati Insurance

$918

$77

Progressive

$918

$77

Auto-Owners Insurance Co

$925

$77

Grange Insurance

$931

$78

Nationwide

$947

$79

Nationwide

$951

$79

Allstate

$952

$79

Grange Insurance

$953

$79

Grange Insurance

$961

$80

Grange Insurance

$977

$81

Erie

$986

$82

Erie

$996

$83

Nationwide

$997

$83

Progressive

$1,032

$86

Erie

$1,033

$86

Grange Insurance

$1,034

$86

Farmers

$1,046

$87

Westfield

$1,048

$87

GEICO

$1,054

$88

Westfield

$1,054

$88

Cincinnati Insurance

$1,056

$88

Farmers

$1,060

$88

Grange Insurance

$1,072

$89

GEICO

$1,095

$91

Progressive

$1,105

$92

GEICO

$1,107

$92

Allstate

$1,126

$94

GEICO

$1,133

$94

Nationwide

$1,135

$95

Grange Insurance

$1,146

$96

Farmers

$1,146

$96

Grange Insurance

$1,155

$96

Travelers

$1,159

$97

Allstate

$1,183

$99

Farmers

$1,188

$99

Farmers

$1,210

$101

Progressive

$1,215

$101

Travelers

$1,216

$101

Westfield

$1,232

$103

Allstate

$1,238

$103

Erie

$1,254

$105

Cincinnati Insurance

$1,255

$105

Travelers

$1,258

$105

Travelers

$1,259

$105

GEICO

$1,264

$105

Westfield

$1,270

$106

Auto-Owners Insurance Co

$1,279

$107

Progressive

$1,282

$107

Grange Insurance

$1,284

$107

Farmers

$1,285

$107

Westfield

$1,298

$108

Allstate

$1,301

$108

Auto-Owners Insurance Co

$1,309

$109

Farmers

$1,312

$109

Travelers

$1,322

$110

Travelers

$1,326

$111

Farmers

$1,332

$111

Allstate

$1,341

$112

Auto-Owners Insurance Co

$1,349

$112

Travelers

$1,357

$113

Westfield

$1,358

$113

Westfield

$1,362

$114

Westfield

$1,363

$114

Cincinnati Insurance

$1,365

$114

Allstate

$1,410

$118

Progressive

$1,443

$120

Allstate

$1,464

$122

Farmers

$1,465

$122

Travelers

$1,472

$123

Travelers

$1,478

$123

GEICO

$1,486

$124

GEICO

$1,610

$134

Westfield

$1,620

$135

Allstate

$1,620

$135

Cincinnati Insurance

$1,647

$137

Cincinnati Insurance

$1,665

$139

Allstate

$1,760

$147

Cincinnati Insurance

$1,791

$149

GEICO

$1,865

$155

Auto-Owners Insurance Co

$1,915

$160

GEICO

$1,945

$162

Cincinnati Insurance

$2,188

$182

State Farm

$2,340

$195

State Farm

$2,340

$195

Westfield

$2,470

$206

Westfield

$2,475

$206

State Farm

$2,486

$207

State Farm

$2,486

$207

State Farm

$2,574

$215

Westfield

$2,733

$228

State Farm

$2,735

$228

State Farm

$3,030

$252

State Farm

$3,030

$252

State Farm

$3,333

$278

State Farm

$3,525

$294

State Farm

$3,525

$294

State Farm

$3,765

$314

State Farm

$3,765

$314

State Farm

$3,874

$323

State Farm

$4,137

$345

State Farm

$4,785

$399

State Farm

$4,785

$399

State Farm

$5,260

$438

Your car insurance rates are likely to increase if you speed, get an OVI or cause an accident. More severe violations can result in steeper hikes.

In Columbus, rates for someone with a speeding ticket cost around $193 more, while an OVI could raise your rates by $577.

Insurance rates can vary depending on factors like location and driving history, but drivers with poor driving records should look for coverage that is reasonable and offers adequate protection.

mglogo icon
MONEYGEEK EXPERT TIP

To avoid paying more for car insurance after your first at-fault accident, include accident forgiveness on your auto policy. With this optional coverage, you won't see a premium increase with a clean motor vehicle record prior to the accident. You can even earn accident forgiveness with certain companies — GEICO and Progressive are two examples. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Columbus for Teens and Their Families

The most affordable car insurance providers for teens on a family policy in Columbus are:

  • Nationwide: $966 per year for female teens, $1,124 per year for male teens
  • Progressive: $1,807 per year for female teens, $2,017 per year for male teens

In contrast, State Farm is the costliest insurance provider for teens on a family policy. The annual premiums cost $9,693 for female teens and $12,405 for male teens.

Car insurance companies typically consider young male drivers to be more risky to insure, resulting in higher premiums. The $159 price difference from Nationwide illustrates this. This discrepancy goes away in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$607

$1,064

Nationwide

$615

$1,161

Nationwide

$628

$1,451

Nationwide

$675

$1,700

Nationwide

$684

$1,201

Nationwide

$698

$1,356

Nationwide

$728

$1,277

Nationwide

$733

$1,383

Nationwide

$741

$1,577

Nationwide

$781

$1,474

Travelers

$835

$1,591

Nationwide

$897

$2,574

Travelers

$914

$1,668

Nationwide

$925

$3,054

Travelers

$949

$1,806

Nationwide

$949

$2,194

Travelers

$956

$2,013

Nationwide

$966

$3,257

Travelers

$983

$1,871

Nationwide

$987

$3,257

Nationwide

$1,038

$3,392

Travelers

$1,056

$1,926

Nationwide

$1,075

$3,970

Nationwide

$1,092

$2,750

Travelers

$1,093

$2,208

Travelers

$1,097

$2,323

Auto-Owners Insurance Co

$1,115

$2,491

Nationwide

$1,124

$4,239

Farmers

$1,132

$1,650

Auto-Owners Insurance Co

$1,136

$2,492

Travelers

$1,144

$2,087

GEICO

$1,147

$1,888

Nationwide

$1,148

$4,239

Farmers

$1,170

$1,745

GEICO

$1,173

$2,598

Auto-Owners Insurance Co

$1,180

$2,634

GEICO

$1,180

$1,942

GEICO

$1,183

$1,749

GEICO

$1,202

$1,777

GEICO

$1,207

$2,375

Auto-Owners Insurance Co

$1,224

$2,684

Auto-Owners Insurance Co

$1,226

$3,030

GEICO

$1,241

$2,042

GEICO

$1,245

$2,320

Auto-Owners Insurance Co

$1,252

$2,795

Progressive

$1,275

$1,523

GEICO

$1,277

$2,133

GEICO

$1,280

$1,893

Farmers

$1,280

$2,588

Travelers

$1,294

$2,613

Travelers

$1,296

$2,605

Travelers

$1,302

$3,066

Progressive

$1,305

$1,581

Auto-Owners Insurance Co

$1,307

$3,336

Progressive

$1,315

$2,092

Auto-Owners Insurance Co

$1,328

$3,731

Allstate

$1,330

$2,539

Allstate

$1,330

$2,539

Allstate

$1,345

$4,800

Allstate

$1,345

$4,800

Auto-Owners Insurance Co

$1,347

$2,953

Allstate

$1,347

$2,038

Allstate

$1,347

$2,038

Farmers

$1,372

$2,884

Auto-Owners Insurance Co

$1,386

$3,259

Allstate

$1,406

$2,127

Allstate

$1,406

$2,127

Progressive

$1,410

$1,684

Allstate

$1,442

$2,335

Allstate

$1,442

$2,335

Farmers

$1,451

$2,391

Progressive

$1,451

$1,928

GEICO

$1,466

$3,780

Progressive

$1,468

$1,779

Allstate

$1,470

$2,224

Allstate

$1,470

$2,224

Farmers

$1,498

$2,183

Progressive

$1,503

$1,795

Travelers

$1,504

$3,862

Auto-Owners Insurance Co

$1,508

$3,545

Progressive

$1,513

$2,511

GEICO

$1,518

$3,363

Auto-Owners Insurance Co

$1,523

$3,935

Auto-Owners Insurance Co

$1,530

$4,301

Farmers

$1,532

$2,232

GEICO

$1,533

$3,533

Auto-Owners Insurance Co

$1,535

$4,912

Farmers

$1,544

$2,668

Progressive

$1,552

$2,192

Travelers

$1,559

$3,135

Allstate

$1,562

$3,377

Allstate

$1,562

$3,377

Farmers

$1,568

$2,338

Travelers

$1,573

$3,747

Allstate

$1,587

$3,030

Allstate

$1,587

$3,030

GEICO

$1,599

$3,147

GEICO

$1,609

$5,108

Farmers

$1,625

$3,870

Progressive

$1,625

$1,969

Progressive

$1,626

$5,307

Farmers

$1,648

$2,458

GEICO

$1,660

$4,805

Farmers

$1,666

$7,720

Farmers

$1,680

$3,395

Farmers

$1,716

$4,206

Progressive

$1,747

$3,338

Farmers

$1,756

$8,311

Farmers

$1,774

$3,729

Progressive

$1,807

$6,345

Progressive

$1,828

$2,907

Allstate

$1,831

$6,536

Allstate

$1,831

$6,536

GEICO

$1,846

$5,859

Progressive

$1,848

$6,038

Progressive

$1,850

$6,037

Travelers

$1,880

$4,826

Travelers

$1,882

$4,809

GEICO

$1,934

$5,598

Farmers

$1,934

$8,964

GEICO

$1,946

$7,563

Auto-Owners Insurance Co

$1,963

$4,424

Travelers

$1,969

$6,476

Progressive

$1,970

$3,908

Progressive

$2,017

$7,037

Farmers

$2,027

$9,593

Allstate

$2,039

$10,503

Allstate

$2,039

$10,503

Progressive

$2,042

$3,388

Progressive

$2,047

$6,687

Auto-Owners Insurance Co

$2,069

$5,676

GEICO

$2,081

$7,665

Farmers

$2,133

$12,965

Auto-Owners Insurance Co

$2,168

$4,887

Auto-Owners Insurance Co

$2,180

$5,427

Farmers

$2,228

$13,736

Auto-Owners Insurance Co

$2,355

$7,223

Auto-Owners Insurance Co

$2,363

$6,483

Travelers

$2,392

$6,113

Travelers

$2,521

$8,404

State Farm

$4,676

$7,334

State Farm

$5,273

$8,271

State Farm

$5,389

$8,268

State Farm

$5,606

$10,398

State Farm

$5,845

$9,168

State Farm

$6,129

$11,418

State Farm

$6,173

$9,470

State Farm

$6,639

$12,314

State Farm

$6,967

$10,689

State Farm

$7,153

$13,325

State Farm

$7,154

$15,236

State Farm

$7,602

$13,853

State Farm

$8,329

$17,649

State Farm

$9,058

$16,506

State Farm

$9,060

$19,169

State Farm

$9,635

$20,415

State Farm

$9,693

$23,551

State Farm

$10,649

$22,248

State Farm

$12,351

$25,804

State Farm

$12,405

$29,698

It is much cheaper to add a teenage driver to your current family car insurance policy than to get a separate policy for them, and if they are under 18, they must have a parent or guardian as a co-signer to get auto insurance legally.

You could save up to $2,527 annually with a family policy in Columbus. When you're looking for affordable car insurance for your teen, shop around and look for discounts.

Cheapest Car Insurance in Columbus for Military Drivers

The cheapest car insurance for current or former military members and their families who want full coverage in Columbus is with the following:

  • USAA: $447 per year
  • Nationwide: $511 per year

USAA and Erie rank as the most affordable insurance providers for minimum coverage, with annual premiums costing $188 and $216, respectively.

Company
Annual Premium
Monthly Premium

USAA

$188

$16

USAA

$199

$17

Erie

$212

$18

Erie

$216

$18

USAA

$244

$20

Progressive

$247

$21

Nationwide

$249

$21

Nationwide

$258

$22

Progressive

$266

$22

Erie

$275

$23

Auto-Owners Insurance Co

$277

$23

Auto-Owners Insurance Co

$279

$23

Cincinnati Insurance

$304

$25

American Family

$312

$26

American Family

$313

$26

Cincinnati Insurance

$315

$26

American Family

$321

$27

Nationwide

$321

$27

Grange Insurance

$332

$28

Progressive

$334

$28

Grange Insurance

$335

$28

Grange Insurance

$368

$31

Westfield

$374

$31

Cincinnati Insurance

$375

$31

GEICO

$383

$32

Auto-Owners Insurance Co

$395

$33

Westfield

$412

$34

GEICO

$435

$36

Travelers

$436

$36

USAA

$436

$36

Westfield

$439

$37

USAA

$447

$37

Farmers

$457

$38

Travelers

$467

$39

Farmers

$472

$39

Nationwide

$475

$40

Travelers

$496

$41

GEICO

$502

$42

Nationwide

$511

$43

American Family

$532

$44

Farmers

$539

$45

American Family

$561

$47

Erie

$572

$48

American Family

$580

$48

USAA

$583

$49

Erie

$584

$49

Allstate

$587

$49

Auto-Owners Insurance Co

$597

$50

Allstate

$601

$50

Auto-Owners Insurance Co

$613

$51

Nationwide

$618

$51

Progressive

$623

$52

Grange Insurance

$663

$55

Allstate

$671

$56

GEICO

$674

$56

Cincinnati Insurance

$675

$56

Progressive

$676

$56

Grange Insurance

$715

$60

GEICO

$726

$61

Cincinnati Insurance

$734

$61

Erie

$736

$61

Farmers

$782

$65

Grange Insurance

$795

$66

Farmers

$809

$67

Travelers

$813

$68

Travelers

$823

$69

Westfield

$875

$73

Westfield

$881

$73

Progressive

$882

$73

Auto-Owners Insurance Co

$889

$74

Cincinnati Insurance

$895

$75

GEICO

$914

$76

Allstate

$920

$77

Travelers

$959

$80

Allstate

$965

$80

Farmers

$972

$81

Westfield

$1,138

$95

Allstate

$1,178

$98

State Farm

$2,106

$175

State Farm

$2,238

$186

State Farm

$2,727

$227

State Farm

$3,176

$265

State Farm

$3,393

$283

State Farm

$4,312

$359

How to Compare Cheap Columbus Car Insurance Quotes Online

In Columbus, comparing car insurance quotes online can be a time-consuming process that requires you to share a lot of information. Getting a quote can take up to 15 minutes per insurer.

MoneyGeek's car insurance calculator can give you a ballpark estimate based on basic information such as your age, vehicle type, coverage level and driving record. Our tool helps you save time and money when shopping for car insurance.

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USAA

Cheapest Car Insurance in Columbus for Young Adults

The cheapest car insurance for young drivers in Columbus who need full coverage is with the following:

  • American Family: $580 per year
  • Nationwide: $618 per year

The priciest auto insurance with a full coverage policy is State Farm, which has an annual premium of $4,312.

Car insurance for young adults is pricier than for those aged 40 due to a combination of factors. Insurance companies often view younger drivers as being at higher risk because of their inexperience and potential impulsivity. For drivers aged 40, it is $227 cheaper to purchase full coverage car insurance than for younger drivers.

Company
Annual Premium
Monthly Premium

Erie

$212

$18

Erie

$216

$18

Progressive

$247

$21

Nationwide

$249

$21

Nationwide

$258

$22

Progressive

$266

$22

Erie

$275

$23

Auto-Owners Insurance Co

$277

$23

Auto-Owners Insurance Co

$279

$23

Cincinnati Insurance

$304

$25

American Family

$312

$26

American Family

$313

$26

Cincinnati Insurance

$315

$26

American Family

$321

$27

Nationwide

$321

$27

Grange Insurance

$332

$28

Progressive

$334

$28

Grange Insurance

$335

$28

Grange Insurance

$368

$31

Westfield

$374

$31

Cincinnati Insurance

$375

$31

GEICO

$383

$32

Auto-Owners Insurance Co

$395

$33

Westfield

$412

$34

GEICO

$435

$36

Travelers

$436

$36

Westfield

$439

$37

Farmers

$457

$38

Travelers

$467

$39

Farmers

$472

$39

Nationwide

$475

$40

Travelers

$496

$41

GEICO

$502

$42

Nationwide

$511

$43

American Family

$532

$44

Farmers

$539

$45

American Family

$561

$47

Erie

$572

$48

American Family

$580

$48

Erie

$584

$49

Allstate

$587

$49

Auto-Owners Insurance Co

$597

$50

Allstate

$601

$50

Auto-Owners Insurance Co

$613

$51

Nationwide

$618

$51

Progressive

$623

$52

Grange Insurance

$663

$55

Allstate

$671

$56

GEICO

$674

$56

Cincinnati Insurance

$675

$56

Progressive

$676

$56

Grange Insurance

$715

$60

GEICO

$726

$61

Cincinnati Insurance

$734

$61

Erie

$736

$61

Farmers

$782

$65

Grange Insurance

$795

$66

Farmers

$809

$67

Travelers

$813

$68

Travelers

$823

$69

Westfield

$875

$73

Westfield

$881

$73

Progressive

$882

$73

Auto-Owners Insurance Co

$889

$74

Cincinnati Insurance

$895

$75

GEICO

$914

$76

Allstate

$920

$77

Travelers

$959

$80

Allstate

$965

$80

Farmers

$972

$81

Westfield

$1,138

$95

Allstate

$1,178

$98

State Farm

$2,106

$175

State Farm

$2,238

$186

State Farm

$2,727

$227

State Farm

$3,176

$265

State Farm

$3,393

$283

State Farm

$4,312

$359

Cheapest Car Insurance in Columbus for Seniors

In Columbus, the cheapest car insurance companies for seniors with a full coverage policy are:

  • Nationwide: $475 per year
  • American Family: $532 per year

State Farm is the most expensive option at around $3,176 annually. Senior drivers may pay more for car insurance than 40-year-olds because premiums often go up after 65. As people get older, their physical and cognitive abilities decline, which increases the risk of accidents and results in higher insurance costs.

But in Columbus, MoneyGeek found that insurance for seniors costs less than insurance for people who are 40 for about $37 less a year.

Company
Annual Premium
Monthly Premium

Erie

$212

$18

Erie

$216

$18

Progressive

$247

$21

Nationwide

$249

$21

Nationwide

$258

$22

Progressive

$266

$22

Erie

$275

$23

Auto-Owners Insurance Co

$277

$23

Auto-Owners Insurance Co

$279

$23

Cincinnati Insurance

$304

$25

American Family

$312

$26

American Family

$313

$26

Cincinnati Insurance

$315

$26

American Family

$321

$27

Nationwide

$321

$27

Grange Insurance

$332

$28

Progressive

$334

$28

Grange Insurance

$335

$28

Grange Insurance

$368

$31

Westfield

$374

$31

Cincinnati Insurance

$375

$31

GEICO

$383

$32

Auto-Owners Insurance Co

$395

$33

Westfield

$412

$34

GEICO

$435

$36

Travelers

$436

$36

Westfield

$439

$37

Farmers

$457

$38

Travelers

$467

$39

Farmers

$472

$39

Nationwide

$475

$40

Travelers

$496

$41

GEICO

$502

$42

Nationwide

$511

$43

American Family

$532

$44

Farmers

$539

$45

American Family

$561

$47

Erie

$572

$48

American Family

$580

$48

Erie

$584

$49

Allstate

$587

$49

Auto-Owners Insurance Co

$597

$50

Allstate

$601

$50

Auto-Owners Insurance Co

$613

$51

Nationwide

$618

$51

Progressive

$623

$52

Grange Insurance

$663

$55

Allstate

$671

$56

GEICO

$674

$56

Cincinnati Insurance

$675

$56

Progressive

$676

$56

Grange Insurance

$715

$60

GEICO

$726

$61

Cincinnati Insurance

$734

$61

Erie

$736

$61

Farmers

$782

$65

Grange Insurance

$795

$66

Farmers

$809

$67

Travelers

$813

$68

Travelers

$823

$69

Westfield

$875

$73

Westfield

$881

$73

Progressive

$882

$73

Auto-Owners Insurance Co

$889

$74

Cincinnati Insurance

$895

$75

GEICO

$914

$76

Allstate

$920

$77

Travelers

$959

$80

Allstate

$965

$80

Farmers

$972

$81

Westfield

$1,138

$95

Allstate

$1,178

$98

State Farm

$2,106

$175

State Farm

$2,238

$186

State Farm

$2,727

$227

State Farm

$3,176

$265

State Farm

$3,393

$283

State Farm

$4,312

$359

Cheapest Car Insurance in Columbus for Poor Credit

The cheapest car insurance companies for drivers with poor credit and a full coverage policy in Columbus, Ohio, are:

  • Nationwide: $685 per year
  • Grange Insurance: $906 per year

The priciest auto insurance for drivers with poor credit is State Farm. Its annual premium costs $7,593. Drivers with poor credit pay around 85% more than those with good credit, equating to a $778 difference.

Company
Annual Premium
Monthly Premium

Nationwide

$333

$28

Nationwide

$348

$29

Progressive

$412

$34

Grange Insurance

$423

$35

Grange Insurance

$424

$35

Erie

$435

$36

Nationwide

$436

$36

Erie

$441

$37

Progressive

$447

$37

Cincinnati Insurance

$459

$38

Grange Insurance

$462

$39

Cincinnati Insurance

$477

$40

American Family

$512

$43

American Family

$513

$43

American Family

$539

$45

GEICO

$550

$46

Progressive

$556

$46

Erie

$562

$47

Cincinnati Insurance

$567

$47

Nationwide

$633

$53

GEICO

$633

$53

Farmers

$673

$56

Nationwide

$685

$57

Travelers

$686

$57

Westfield

$693

$58

Farmers

$697

$58

Travelers

$719

$60

GEICO

$736

$61

Auto-Owners Insurance Co

$756

$63

Auto-Owners Insurance Co

$762

$63

Westfield

$764

$64

Travelers

$776

$65

Farmers

$795

$66

Allstate

$795

$66

Westfield

$815

$68

Allstate

$819

$68

Grange Insurance

$835

$70

Nationwide

$837

$70

American Family

$890

$74

Grange Insurance

$906

$76

Allstate

$935

$78

American Family

$940

$78

American Family

$987

$82

GEICO

$1,011

$84

Grange Insurance

$1,013

$84

Cincinnati Insurance

$1,018

$85

Auto-Owners Insurance Co

$1,080

$90

Progressive

$1,088

$91

GEICO

$1,092

$91

Cincinnati Insurance

$1,105

$92

Progressive

$1,184

$99

Farmers

$1,243

$104

Travelers

$1,278

$106

Farmers

$1,281

$107

Erie

$1,285

$107

Travelers

$1,303

$109

Erie

$1,308

$109

Cincinnati Insurance

$1,351

$113

Allstate

$1,370

$114

GEICO

$1,388

$116

Allstate

$1,448

$121

Travelers

$1,501

$125

Progressive

$1,541

$128

Farmers

$1,543

$129

Westfield

$1,577

$131

Westfield

$1,589

$132

Erie

$1,652

$138

Auto-Owners Insurance Co

$1,658

$138

Auto-Owners Insurance Co

$1,724

$144

Allstate

$1,811

$151

Westfield

$2,040

$170

Auto-Owners Insurance Co

$2,506

$209

State Farm

$4,713

$393

State Farm

$5,008

$417

State Farm

$6,102

$509

State Farm

$7,108

$592

State Farm

$7,593

$633

State Farm

$9,649

$804

Insurance companies have found that people with lower credit scores are more likely to file more claims, which leads to higher premiums.

If you have poor credit, you can save money on insurance by looking for popular discounts, bundling policies and comparing quotes from several insurers. Working on improving your credit score over time can also help lower those costs.

Cheapest Car Insurance in Columbus for Sports Cars

The most affordable car insurance companies for drivers with sports cars and a full coverage policy in Columbus are:

  • American Family: $518 per year
  • Auto-Owners: $626 per year

State Farm is the priciest insurance provider in the city for sports cars. Its annual premium costs $4,114.

In Columbus, the average cost of full coverage for a Toyota Camry is $917 per year, while it’s $1,115 for a Mustang. This is a $198 difference, which is 22% higher. Keep in mind that costs vary in different cities because of some factors.

Company
Annual Premium
Monthly Premium

Progressive

$226

$19

Progressive

$252

$21

Nationwide

$261

$22

Nationwide

$273

$23

Auto-Owners Insurance Co

$277

$23

Auto-Owners Insurance Co

$279

$23

American Family

$307

$26

American Family

$309

$26

American Family

$316

$26

GEICO

$317

$26

Progressive

$324

$27

Nationwide

$340

$28

Farmers

$353

$29

GEICO

$358

$30

Farmers

$365

$30

Travelers

$380

$32

Auto-Owners Insurance Co

$396

$33

Travelers

$407

$34

GEICO

$409

$34

Farmers

$416

$35

Travelers

$431

$36

American Family

$494

$41

American Family

$518

$43

Allstate

$525

$44

American Family

$535

$45

Allstate

$537

$45

Allstate

$594

$50

Auto-Owners Insurance Co

$613

$51

Auto-Owners Insurance Co

$626

$52

Nationwide

$628

$52

Nationwide

$689

$57

Farmers

$712

$59

Progressive

$723

$60

GEICO

$743

$62

Farmers

$752

$63

GEICO

$764

$64

Travelers

$774

$64

Travelers

$777

$65

Nationwide

$839

$70

Progressive

$850

$71

Farmers

$910

$76

Auto-Owners Insurance Co

$911

$76

Travelers

$916

$76

Allstate

$919

$77

Allstate

$970

$81

GEICO

$1,011

$84

Progressive

$1,159

$97

Allstate

$1,198

$100

State Farm

$2,338

$195

State Farm

$2,484

$207

State Farm

$3,026

$252

State Farm

$3,848

$321

State Farm

$4,114

$343

State Farm

$5,288

$441

We used a Ford Mustang to compare insurance prices, but insurance prices may vary by model. Luxury, electric and sports cars generally have higher insurance costs than other vehicles.

Average Cost of Car Insurance in Columbus

In Columbus, the average cost of car insurance for full coverage is $917 annually. This includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

The average car insurance cost in the city is $16 lower than the average full coverage cost in Ohio. The national average car insurance premium is $1,265 annually. Car insurance companies take several factors into consideration when calculating premiums, including location.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Columbus

$917

$498

Akron

$918

$498

Dayton

$933

$499

Cleveland

$937

$511

Cincinnati

$1,024

$558

Toledo

$1,044

$577

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.