How Much Does Auto Insurance Cost in Columbus?
Columbus is recognized for its expensive premiums, as its mean premium exceeds the state average by $139. Still, going without insurance coverage for your vehicle is simply not an option. The state of Ohio requires certain minimums of bodily injury liability as well as property damage liability for all drivers. While it may seem burdensome to deal with higher insurance premiums, an insurance policy can keep you protected in case of an accident.
Because of Columbus's higher than average insurance costs, it is imperative to try and save money while insuring a vehicle. Knowing how certain factors affect your premiums can help you in your search for cheap car insurance in Columbus. Let's compare car insurance costs in Columbus versus premiums across the nation.
CAR INSURANCE RATES: COLUMBUS VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Columbus Auto Insurance by Credit Rating
One way of finding cheap car insurance is to keep a close watch on your credit score. Nearly every insurance company will pull your credit history as they put together your policy. Insurance providers have found a direct correlation showing that drivers with low credit scores are more likely to file claims. Therefore, if your score is low, your insurance premiums will be higher. How much will your credit history affect coverage on your vehicle?
There is a difference of $1,325/year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). In terms of percent change, the greatest benefit of better credit comes from upgrading from Very Poor (300-579) to Fair (580-669), by which drivers can save close to 39% per year. Keeping tabs on your credit score could very well be your ticket to cheaper car insurance.
COLUMBUS AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Level||Average Car Insurance Rate|
Columbus Car Insurance for High-Risk Drivers
A surefire way to get cheap car insurance is to keep a clean driving record. If you have a spotty driving history, your insurance company is more likely to see you as a liability and charge you more for your insurance policy. For instance, if you have been in a recent accident that has caused property damage or injury, or if you have multiple moving violations, expect to see higher rates for your coverage. So just how much can an accident or infraction increase your car insurance rates?
An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. The severity of an at-fault accident impacts insurance rates. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an additional $139 per year in premiums. Generally, a DUI in Columbus will cost you 57% more in car insurance premiums versus the city average of $1,150. Reckless driving will also drive your premiums up, with typical rates of $1,955. That is 70% higher than the city average!
AVERAGE COLUMBUS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,033|
|At-fault Accident (damages greater than $2,000)||$2,171|
|Speeding Ticket (16-20 mph over speed limit)||$1,376|
Columbus Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Columbus is determined by quite a few things, including gender and marital status. Being married, as opposed to single or divorced, can save you around $40 per year. Rates for those who are widowed are marginally cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums differ is minimal.
COLUMBUS CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Columbus Car Insurance Rates by Age Bracket
How old you are can impact your ability to find affordable car insurance. While there isn't much you can do about your age, knowing how your insurance company uses your age classification to help determine your coverage can be helpful when searching for car insurance quotes. So which age bracket pays the most for a policy?
Teenage drivers have the biggest premiums amongst all the age groups. They have average car insurance payments of $4,485 per year. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance payments among any age group, with rates of $1,005/year. The largest decrease in premiums for Columbus drivers happens when they hit their 20s. Once out of the teenage age bracket, people pay $3,480 less in premiums. Car insurance premiums in Columbus continue to trend downward up until drivers turn 60.
COLUMBUS CAR INSURANCE COSTS BY AGE
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Columbus Agents
Isner Insurance Associates, Inc.
221 S Hamilton, Columbus, OH 43213
Horizon Insurance Services, Inc.
5151 Reed Rd Ste 201A, Columbus, OH 43220
W.E. Davis Ins. Agency, Inc.
29 Frederick Street, Columbus, OH 43206
Ray Insurance Agency, Inc.
1580 Fishinger Rd, Columbus, OH 43221
Roby, Foster, Miller, Earick, Inc.
30 Northwoods, Suite300, Columbus, OH 43235
All Ohio Insurance Agency, Inc.
180 Northwoods Blvd, Columbus, OH 43235
Mark E. Watson & Associates
5020 Reed Road Suite E, Columbus, OH 43220
Phillips Insurance Agency
938 Dennison Ave, Columbus, OH 43201
Tri Wood Ins Agency Inc
1000 Georgesville Rd, Columbus, OH 43228
Thomas-Fenner-Woods Agency, Inc.
1500 Lake Shore Drive #400, Columbus, OH 43204
Wells Fargo Insurance Services of Ohio LLC
580 N 4th St Ste 400, Columbus, OH 43215
France & Associates, Inc.
5921 N High St, Columbus, OH 43085
Call Insurance Agency, Inc.
21 West Broad Street 2nd Floor, Columbus, OH 43215
Detwiler-Brofford Insurance, Inc.
email@example.com 130 East Chestnut St., Suite 200, Columbus, OH 43215
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