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 AverageState AverageNational Average
$1,150$1,011$1,569


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 LevelAverage Car Insurance Rate
Very Poor$2,272
Fair$1,389
Good$1,150
Very Good$1,036
Exceptional$947


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
Violation/IncidentMean Rate
DUI$1,801
Reckless Driving$1,955
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/GenderAverage Rate
Female$1,161
Male$1,150
Single$914
Married$873
Divorced$914
Widowed$902


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
AgeAverage Rate
Teenagers$4,485
20s$1,691
30s$1,132
40s$1,097
50s$1,005
60s$1,122
70s$1,248


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.

139

Rainy Days a Year

39"

Avg. Annual Rainfall

28"

Avg. Annual Snowfall

Be Prepared For

Driving in C-Bus

2
Major Highways
I-70 I-71 I-270
2
Public Transit
COTA Bus CBUS
2
Toll Roads
Ohio Turnpike
2
Popular Day Trips
Loveland Castle Seneca Caverns Lake Erie

Find Local Columbus Agents

Detwiler-Brofford Insurance, Inc.

sonya@detwilerinsurance.com Columbus, OH 43215

France & Associates, Inc.

5921 N High St Columbus, OH 43085

Roby, Foster, Miller, Earick, Inc.

30 Northwoods, Suite300 Columbus, OH 43235

Isner Insurance Associates, Inc.

221 S Hamilton Columbus, OH 43213

Ray Insurance Agency, Inc.

1580 Fishinger Rd Columbus, OH 43221

Thomas-Fenner-Woods Agency, Inc.

1500 Lake Shore Drive Columbus, OH 43204

Wells Fargo Insurance Services of Ohio LLC

580 N 4th St Ste 400 Columbus, OH 43215

All Ohio Insurance Agency, Inc.

180 Northwoods Blvd Columbus, OH 43235

Horizon Insurance Services, Inc.

5151 Reed Rd Ste 201A Columbus, OH 43220

Tri Wood Ins Agency Inc

1000 Georgesville Rd Columbus, OH 43228

Mark E. Watson & Associates

5020 Reed Road Columbus, OH 43220

Call Insurance Agency, Inc.

21 West Broad Street Columbus, OH 43215

Phillips Insurance Agency

938 Dennison Ave Columbus, OH 43201

W.E. Davis Ins. Agency, Inc.

29 Frederick Street Columbus, OH 43206

Not sure about Columbus

Check out these other Ohio cities...

Cleveland

Cincinnati

Toledo

2

$1,193

The average Columbusite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

191

That's equal to 191 cups of coffee or $477 in savings

See How Much You Can Save in Columbus

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Recent Questions:

Columbus Car Insurance

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