Columbus, GA Car Insurance

The average cost of car insurance in Columbus is $134 per month. Read on for more information on how insurance premiums are determined.

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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 CAR INSURANCE RATES
Columbus Average (annual)Georgia AverageNational Average
$1,607$1,609$1,548
 
Jump to Columbus car insurance rates by:

 

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.

 
COLUMBUS CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
Georgia Farm Bureau$1,049
USAA$1,286
GEICO$1,595
State Farm$1,629
Progressive$1,927
 

Read our guide to finding the best cheap auto insurance.

 

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.

 
CAR INSURANCE RATES BY AGE TIER IN COLUMBUS
Age bracketAverage 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.

 
COLUMBUS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage 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.

 
COLUMBUS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage 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.

 
COLUMBUS CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage 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 LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.