Compare the Cheapest Car Insurance Quotes in Columbus, GA

2022

The Cheapest and Best Car Insurance in Columbus

The Cheapest Car Insurance Companies in Columbus

The cheapest car indemnity companies for a wide coverage policy in Columbus are :

• GEICO: $899 per year
• Nationwide: $1,096 per year

If you are a veteran or are presently in the military, USAA offers the cheapest full coverage policy in Columbus at $ 823 per year. Progressive, at $ 1,640, is over 82 % more than GEICO and is the most expensive full coverage car insurance choice in Columbus. A full-coverage policy offers comprehensive and collision coverages that protect you from personnel casualty in the event your car gets damaged. The price of this character of policy will vary depending on the liability coverage you choose .

Cheapest Car Insurance in Columbus

Full Coverage 100/300/100 MoneyGeek collected average rates based on our sample profile : a 40-year-old male driver in Columbus with a broad coverage policy, in accord with our methodology. Full coverage policies offer add protection compared to minimum liability since they include two extra coverages :

• Collision insurance: compensates you for damage to your car caused by a collision.
• Comprehensive insurance: compensates you if your car is stolen or damaged by events other than collisions, such as vandalism or severe weather.

Full coverage policies cost more than minimal indebtedness, so if you are looking for the cheapest rates, it ’ sulfur chic to consider the replacement respect of your car against the cost of the policy .

Compare Car Insurance Rates in Columbus

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Cheapest Car Insurance in Columbus for Minimum Coverage

The cheapest available car insurance for drivers in Columbus is a department of state minimal indebtedness policy. The most low-cost insurers for minimum coverage in Columbus are :

• GEICO: $409 per year
• Mercury: $643 per year

At $ 434 per annum, USAA is the second bum indemnity company for a minimum coverage policy in Columbus, but you need to be a penis of the military to be eligible to purchase it. Esurance, the most expensive option, costs $ 991 annual. That ’ south more than double the bounty of the city ’ s cheapest insurance company, GEICO. Minimum coverage is the cheapest option for drivers looking to save on premiums. however, it comes with the risk of not being amply covered since there is no collision or comprehensive indemnity included. The mesa below can show you the costs for different liability limits .

Cheapest Minimum Liability Car Insurance in Columbus

department of state Minimum A express minimum policy in Columbus costs the least but besides offers express auspices since it lone carries the 25/50/25 minimum indebtedness coverage required by Georgia laws. This means your out-of-pocket costs may be quite senior high school if you ’ re in an accident. For example, if the other driver ’ s checkup expenses are $ 35,000, state minimum policy covers $ 25,000 of that. In an at-fault accident, the remaining $ 10,000 will be your duty to pay .

Georgia Minimum Liability Requirements

• item description
• Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property wrong. A more protective flat is 100/300/100 .

Cheapest Car Insurance in Columbus if You Have Driving Violations

Any DUIs, at-fault accidents and speeding tickets on your drive record will increase the price of your car policy. Depending on the irreverence, the most low-cost car policy companies in Columbus are :

• Cheapest after a ticket: GEICO, $1,075 per year
• Cheapest after an at-fault accident: GEICO, $1,281 per year
• Cheapest after a DUI: State Farm, $1,359 per year

If you ’ re in the military, USAA is the cheapest option for drivers with an at-fault accident or speeding ticket rape at $ 1,141 per year and $ 947 per year, respectively. As you improve your force record over meter, your car policy premiums will decrease. In the meanwhile, you should compare quotes from respective different insurers to find the best cheap car policy for drivers with regretful records .

Cheapest Car Insurance in Columbus With a Violation

Speeding ticket

Average Cost of Car Insurance in Columbus

Columbus

$1,259

Georgia

$1,638

U.S.

$1,424

The average price 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 approximately 23.1 % less than the $ 1,638 Georgia average.

Personalized Quotes to Get You the Cheapest Car Insurance in Columbus

car policy providers in Columbus use many individual parameters to assess gamble and calculate indemnity premiums. These include senesce, localization, driving history, credit score and the car ’ randomness do 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 comparison personalized quotes from different providers .

Compare Car Insurance Rates in Columbus

see you ‘re getting the best rate for your car indemnity. Compare quotes from the top policy companies. widget-location-pin

The Best Car Insurance Companies in Columbus

MoneyGeek ranked the car insurers companies in Columbus to help you find the best combination of low-cost insurance policies and big service. Based on our analyses, the best overall policy companies in Columbus are :

• Auto-Owners: MoneyGeek score of 90 out of 100
• ALFA: MoneyGeek score of 88 out of 100

At 95 out of 100, USAA had the highest MoneyGeek score in Columbus. however, since only veterans, current members of the military and their families can get indemnity through USAA, we did not include it in our list. To evaluate the indemnity companies ’ scores out of 100 points, MoneyGeek looked at respective factors, such as insurance company fiscal stability, customer atonement and affordability. We besides used multiple resources in our evaluation, including findings by data analytics and consumer intelligence company J. D. Power .
1

USAA

score :

95

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 2

Auto-Owners Insurance Co

score :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 3

ALFA

seduce :

87.5

4/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A fiscal constancy 4

GEICO

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy 5

State Farm

score :

82.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 6

Nationwide

score :

80

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7

Travelers

score :

80

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal constancy 8

MetLife

score :

80

3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 9

Safeco

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 10

Progressive

score :

77.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 11

Liberty Mutual

mark :

77.5

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 12

Allstate

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 13

National General

seduce :

72.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability

Average Cost of Car Insurance by Postal Code

In many places, where you live impacts the cost of car policy premiums. however, there is little variation 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 Code State Minimum

  per year

• 31909

  $1,252

• 31907

  $1,265

Factors That Impact Insurance Costs in Columbus

In summation to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of fatal accidents besides 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 . Most Accidents With Fatalities

118th

/ 300 Most car Thefts

159th

/ 300 Most uninsured Motorists by State

25th

/ 50 personal Injury Protection Required No Most annual rain

54th

/ 300 Most showery Days

122nd

/ 300

Methodology and Assumptions

MoneyGeek ’ randomness average agio rates for Columbus are based on 100/300/100 comprehensive examination 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 phonograph record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ sulfur data and methodology here. About the author

Mark Fitzpatrick is a senior contented coach with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the policy market and creating original research and contented. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .