If you are looking for the best car insurance in Columbus, you need to consider several factors, including where you live. Location is one of the many important factors that influence car insurance premiums. To find the most accurate rates and best coverage options, you can compare personalized quotes from multiple providers.
Compare the Cheapest Car Insurance Quotes in Columbus, GA
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Average Cost of Car Insurance in Columbus
Columbus$1,259
Georgia$1,638
U.S.$1,424
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.
Compare Car Insurance Rates in Columbus
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The Best Cheap Car Insurance Companies in Columbus
In Columbus, USAA offers the most affordable car insurance premiums on average at $823. However, USAA policies are restricted to current and former members of the military and eligible family members. The second most affordable provider is GEICO, with an average annual premium of $899. In contrast, Progressive has an average annual premium of $1,640 in Columbus, nearly double GEICO’s typical rate.
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- CompanyAmountper year
- 1. USAA$823
- 2. GEICO$899
- 3. Nationwide$1,096
- 4. Allstate$1,155
- 5. State Farm$1,245
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.
Compare Car Insurance Rates in Columbus
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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.
Visit these guides to learn more:
Georgia Minimum Liability Requirements
- ItemDescription
- 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 by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$434$501
- 2. GEICO$409$533
- 3. Nationwide$695$743
- 4. Allstate$692$772
- 5. Mercury$643$732
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$754$823
- 2. GEICO$795$899
- 3. Nationwide$1,002$1,096
- 4. Allstate$1,044$1,155
- 5. Mercury$1,112$1,262
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Cheapest Car Insurance in Columbus if You Have Tickets
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
- 1. USAA$947$1,141$1,572
- 2. State Farm$1,359$1,473$1,359
- 3. Allstate$1,295$1,543$1,529
- 4. GEICO$1,075$1,281$2,983
- 5. Nationwide$1,259$1,857$2,254
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
- 31909$1,252
- 31907$1,265
Insurance Providers That Serve Columbus
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.
Shopping around for car insurance in Columbus could save you $360, which is enough to buy:
120Cups of Coffee
28Months 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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