The Cheapest and Best Car Insurance in Columbus
The Cheapest Car Insurance Companies in Columbus
On average, the watch policy 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 car insurance an low-cost choice with an annual premium of $ 508. In Columbus, Erie offers the most fair car indemnity. Esurance, on the early 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 indebtedness limits coverage and have a unlike drive profile, your bounty may change .
Cheapest Car Insurance in Columbus
Full Coverage 100/300/100 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 indemnity is more expensive than the department of state ‘s minimal indebtedness coverage and other coverages, a full coverage car indemnity policy includes both. This is critical since it safeguards you from the fiscal burden of car wrong .
- 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 cable car indemnity policy may cost more than the cable car is worth if you possess an older fomite. Older cable car owners who want to save money may settle for liability-only policy or coverage that satisfies the denude minimums set by their states .
Compare Car Insurance Rates in Columbus
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Cheapest Car Insurance in Columbus for Minimum Coverage
In Columbus, policies with minimal coverage are the most cost-efficient choice. On average, state minimum indemnity policies have the following insurers as the most low-cost options :
- Erie: $266 per year
- GEICO: $349 per year
Former and stream Columbus military personnel and their families will find USAA car insurance an low-cost choice with an annual premium of $ 239. Erie ‘s coverage is $ 588 less expensive than Esurance ‘s annual agio of $ 854. While minimum coverage policies are the least expensive option, they besides exclude comprehensive examination 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 mesa illustrates how rates change when indebtedness limitations increase .
Cheapest Minimum Liability Car Insurance in Columbus
state Minimum Ohio drivers must carry 50/100/50 liability alone policy. 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 demerit for an accident, and the other party ‘s checkup expenses exceed $ 60,000. As a result, your basal health policy will cover entirely up to $ 40,000 in medical bills, leaving you responsible for the remaining $ 20,000 in expenses .
Ohio Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective charge 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 cable car indemnity. According to your specific violation, the follow indemnity companies offer the best prize 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 increasingly 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 low-cost premiums .
Cheapest Car Insurance in Columbus With a Violation
Average Cost of Car Insurance in Columbus
In Columbus, the average cost of car insurance is $ 793 per class, which is roughly equivalent to the statewide average but much lower than the home annual bounty 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 besides 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 policy quotes in Columbus, companies evaluate factors to determine the risk associated with a driver. Among these factors are age, sex, make and model of the vehicle, driving record and ZIP code. For case, in Columbus, an american english 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 cable car insurance in Columbus .
Compare Car Insurance Rates in Columbus
see you ‘re getting the best pace for your car indemnity. Compare quotes from the acme indemnity companies. widget-location-pin
The Best Car Insurance Companies in Columbus
MoneyGeek evaluated the top insurers in Columbus to assist drivers in their search for car indemnity carriers that strike a balance between pricing and service quality. According to MoneyGeek ratings, the best policy 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 denounce system awarded USAA the highest score in Columbus. unfortunately, since USAA is entirely available to military personnel, veterans and their families, it is not recognized as the best overall. MoneyGeek calculated evaluations from diverse sources to determine the final grade out of 100, including J.D. Power ’ s exploiter satisfaction, affordability and fiscal stability .
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A+ fiscal stability 3
3/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 4
Auto-Owners Insurance Co
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 5
5/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 6
Cincinnati Insurance Companies
3/5 Affordability 5/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 8
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal constancy 9
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction
Read more: Low Cost Auto Insurance – Atlanta, Georgia
A+ fiscal constancy 11
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 12
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 13
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 14
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 15
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 16
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 17
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 18
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 19
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 20
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 21
sexual conquest :
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy
Average Cost of Car Insurance by Postal Code
Your ZIP code has an affect on the monetary value of your car insurance in Columbus, equally well. Auto insurance companies consider a region ‘s accident pace, cable car larceny rate and more when determining risk factors for a driver. For case, drivers living in the most low-cost region for car coverage — 43230 — pay $ 65 less in annual cable car insurance premiums than those who are from the 43232 Zip code, the city ’ s most expensive ZIP code in terms of car insurance .
- Zip Code State Minimum
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 car thefts 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 shock on premium costs . Most Accidents With Fatalities
/ 300 Most car Thefts
/ 300 Most uninsured Motorists by State
/ 50 personal Injury Protection Required No Most annual rain
/ 300 Most showery Days
Methodology and Assumptions
MoneyGeek ’ randomness average bounty 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 criminal record. Additional premiums are added based on coverage type, localization and drive record. Learn more about MoneyGeek ’ sulfur data and methodology here. About the writer
Mark Fitzpatrick is a aged content coach with MoneyGeek specializing in insurance. Mark has years of experience analyzing the indemnity market and creating original research and contented. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a victor of Arts .