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 AverageUnited States Average
$1,170$1,047$1,548

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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 CompanyAverage Rate (annual)
GEICO$768
Erie$854
Grange Insurance$890
Cincinnati Insurance$930
State Farm$997

Read our guide to finding the best cheap auto insurance.



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 bracketAverage Yearly Rate
Teenagers$5,466
20s$1,666
30s$1,154
40s$1,106
50s$1,043
60s$1,075
70s$1,357

Learn more about how age influences auto insurance rates.



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/GenderAverage Yearly Rate
Female$1,168
Male$1,170
Single$1,101
Married$1,101
Divorced$1,170
Widowed$1,148

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



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
CitationAverage Yearly Rate
DUI/DWI$1,874
Reckless Driving$1,872
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

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



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 ScoreAverage Yearly Rate
Very Poor$2,254
Fair$1,409
Good$1,170
Very Good$1,045
Exceptional$946

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



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.

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

Phillips Insurance Agency

938 Dennison Ave, Columbus, OH 43201

Mark E. Watson & Associates

5020 Reed Road Suite E, Columbus, OH 43220

Horizon Insurance Services, Inc.

5151 Reed Rd Ste 201A, Columbus, OH 43220

Tri Wood Ins Agency Inc

1000 Georgesville Rd, Columbus, OH 43228

Detwiler-Brofford Insurance, Inc.

sonya@detwilerinsurance.com 130 East Chestnut St., Suite 200, Columbus, OH 43215

Thomas-Fenner-Woods Agency, Inc.

1500 Lake Shore Drive #400, Columbus, OH 43204

Ray Insurance Agency, Inc.

1580 Fishinger Rd, Columbus, OH 43221

All Ohio Insurance Agency, Inc.

180 Northwoods Blvd, Columbus, OH 43235

Isner Insurance Associates, Inc.

221 S Hamilton, Columbus, OH 43213

W.E. Davis Ins. Agency, Inc.

29 Frederick Street, Columbus, OH 43206

Call Insurance Agency, Inc.

21 West Broad Street 2nd Floor, Columbus, OH 43215

France & Associates, Inc.

5921 N High St, Columbus, OH 43085

Roby, Foster, Miller, Earick, Inc.

30 Northwoods, Suite300, Columbus, OH 43235

Wells Fargo Insurance Services of Ohio LLC

580 N 4th St Ste 400, Columbus, OH 43215

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

Do I need to maintain an SR-22 even if I'm outside the United States for a few months?

Hello, If you continue to pay your insurance premium, your insurance and SR-22 will not be in jeopardy because you are abroad. However, if you don't pay your bill and let your policy expire, your coverage will be cancelled along with with your SR-22.

Is a social security number required to buy car insurance?

If you have a state ID, you can get insurance. However, most companies require you to get a license within a specific time frame, but not all.

Does my comprehensive claim affect my car insurance?

This type of claim would actually be considered a collision claim. Although, to answer your original question, a comprehensive claim wouldn't have as much of an affect on your premium as a collision claim would.

Can I file a claim with the "At fault" insurance company and have the repair check made out in my name if the car isn't registered to me?

You would file the claim since you were driving at the time of the accident. Unless the vehicle is totaled, however, there won't be any payout from the insurance company to anyone other than the repair shop.