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What's the average car insurance rate in Columbus?


The average car insurance rate in Columbus, Georgia, is $1,607 per year. That's less expensive than the average across Georgia ($1,609) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Columbus.

Columbus Average (annual) Georgia Average National Average
$1,607 $1,609 $1,548
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Columbus auto insurance rates by company


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Columbus, Georgia Farm Bureau offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Columbus. Don't forget to get car insurance quotes based on your driving profile.

Insurer Average Annual Rate
Georgia Farm Bureau $1,049
USAA $1,286
GEICO $1,595
State Farm $1,629
Progressive $1,927

Want to learn more? See our guides covering finding the cheapest car insurance and auto insurance providers with the best consumer and third-party ratings.


Columbus car insurance costs by age

The best age for car insurance rates as a driver in Columbus is your 50s: drivers in this age group pay an average of $1,403 per year. Rates for Columbus drivers in their 60s are also relatively affordable, at just $1,446 per year.

Teenage drivers pay Columbus's most expensive insurance rates. When Columbus drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Columbus is $4,231. That's the biggest gap in premiums between any pair of age brackets.

Age bracket Average Yearly Rate
Teenagers $6,451
20s $2,220
30s $1,591
40s $1,516
50s $1,403
60s $1,446
70s $1,805

Learn more about the impact of age on auto insurance rates.


Columbus car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance rates. In Columbus, married drivers pay $188 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Columbus, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates. In Columbus, female drivers pay more for auto insurance than do male drivers: $0 per year, to be precise.

Gender/Marital Status Average Yearly Rate
Female $1,607
Male $1,607
Single $1,419
Married $1,419
Divorced $1,607
Widowed $1,507

Learn more about how gender and marital status have on car insurance rates.


Columbus auto insurance costs by citation and accident history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Columbus drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $824 per year versus the city average. A ticket for speeding results in a $420 rate hike while a DWI or DUI violation costs $1,179 per year in extra insurance expenditures.

Incident/Violation Average Yearly Rate
DWI/DUI $2,786
Reckless Driving $2,431
At-fault Accident (damages less than $1,000) $2,244
At-fault Accident (damages greater than $2,000) $2,492
Speeding Ticket (16-20 mph over speed limit) $2,027

Get more info on how a bad driving history can impact your car insurance costs.


Columbus car insurance premiums by credit tier


One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Columbus drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 51% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Columbus, moving into the "Fair" credit tier corresponds to an average of $997 in savings on insurance each year.

Credit Score Average Rate (annual)
Very Poor $2,830
Fair $1,833
Good $1,607
Very Good $1,513
Exceptional $1,382

Learn more about the relationship between poor credit and car insurance.


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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.