How much does auto insurance cost in Columbus?
The typical Columbus driver pays $1,170 per year for car insurance coverage. That's more expensive than the average in Ohio ($1,047) and less expensive than the national average of $1,548. Our guide to Columbus auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
AUTO INSURANCE: COLUMBUS RATES VS. STATE + NATIONAL AVERAGES
|Columbus Average (yearly)||Ohio Average||United States Average|
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Columbus car insurance costs by company
The difference in auto insurance rates from company to company can be substantial. In Columbus, GEICO offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Columbus below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
COLUMBUS CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Rate (annual)|
Columbus car insurance premiums 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 $1,043per year. Rates for Columbus drivers in their 60s are also relatively affordable, at just $1,075 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 $3,799. That's the biggest gap in premiums between any pair of age brackets.
COLUMBUS CAR INSURANCE RATES BY DRIVER AGE
|Age bracket||Average Yearly Rate|
Columbus auto insurance premiums by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Columbus, married motorists pay $69 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Columbus, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is another factor that can affect auto insurance rates. In Columbus, the gap in car insurance rates between genders is $2 per year, with male drivers paying more than female drivers.
INSURANCE RATES IN COLUMBUS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Columbus car insurance costs by violation history
Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Columbus drivers found guilty of reckless driving face insurance rate increases of $702 per year, compared to the citywide average. A DUI violation may lead to a $704 increase, while a citation for speeding leads to a $267 rate hike.
COLUMBUS CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,693|
|At-fault Accident (damages greater than $2,000)||$1,835|
|Speeding Ticket (16-20 mph over speed limit)||$1,437|
Columbus car insurance rates by credit score
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Columbus drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% 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 $845 in savings on insurance each year.
COLUMBUS CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|
What drives up car insurance rates in Columbus?
Where you live in Columbus affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Columbus is no exception to the rule. From ZIP code 43065 to 43224, premiums rise by 8 percent—that’s $89.
Expensive Columbus ZIP codes: 43222, 43219, 31905, 43211, 43224
Cheap Columbus ZIP codes: 43065, 43016, 43137, 43081, 43054
Columbus Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Columbus, you can expect 139 rainy days with an annual rainfall of 39.3 inches. Columbus is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Columbus
Find Local Columbus Agents
All Ohio Insurance Agency, Inc.
180 Northwoods Blvd, Columbus, OH 43235
Roby, Foster, Miller, Earick, Inc.
30 Northwoods, Suite300, Columbus, OH 43235
Tri Wood Ins Agency Inc
1000 Georgesville Rd, Columbus, OH 43228
Call Insurance Agency, Inc.
21 West Broad Street 2nd Floor, Columbus, OH 43215
Isner Insurance Associates, Inc.
221 S Hamilton, Columbus, OH 43213
France & Associates, Inc.
5921 N High St, Columbus, OH 43085
Horizon Insurance Services, Inc.
5151 Reed Rd Ste 201A, Columbus, OH 43220
Wells Fargo Insurance Services of Ohio LLC
580 N 4th St Ste 400, Columbus, OH 43215
Ray Insurance Agency, Inc.
1580 Fishinger Rd, Columbus, OH 43221
Thomas-Fenner-Woods Agency, Inc.
1500 Lake Shore Drive #400, Columbus, OH 43204
W.E. Davis Ins. Agency, Inc.
29 Frederick Street, Columbus, OH 43206
Detwiler-Brofford Insurance, Inc.
email@example.com 130 East Chestnut St., Suite 200, Columbus, OH 43215
Phillips Insurance Agency
938 Dennison Ave, Columbus, OH 43201
Mark E. Watson & Associates
5020 Reed Road Suite E, Columbus, OH 43220
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