What's the Cost of Car Insurance in Columbus?
Premiums in Columbus exceed Ohio's average by $118, which is why the city is known for its costly premiums. Who doesn't like to save money? Check out some ways to save on car insurance in Columbus.
INSURANCE COSTS: COLUMBUS VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Columbus Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Columbus is dictated by quite a few considerations, including gender and marital status. Rates for those who are widowed are marginally cheaper than rates for those who are single. You spend approximately 4% more per year if you're single as opposed to married. Premiums for women tend to be 2% more costly than for men.
COLUMBUS CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Columbus Car Insurance by Violation or Accident History
A history of accidents and violations can cost you in terms of prices on car insurance. Expect your yearly car insurance premiums to grow by 55% if you are found at-fault in an accident in Columbus. $832 is the additional cost per year for drivers with a DUI in Columbus, compared to the city average of $1,155. Reckless driving will push your premiums up as well, with average rates of $1,817, which are 57% higher than the city average!
AVERAGE COLUMBUS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$1,796|
|At-fault Accident (damages greater than $2,000)||$1,796|
|Speeding Ticket (16-20 mph over speed limit)||$1,392|
Columbus Car Insurance Rates by Age
Drivers in their 50s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,009 every year. Those in their 60s ($1,043) also have relatively low premiums. Car insurance premiums are highest for teenage drivers, with typical payments of $4,641 per year. When drivers hit their 20s in Columbus, therefore moving out of the teenage age range, they pay 64% less in premiums, the largest difference between any age group. In Columbus, turning 60 means an increase in car insurance premiums. Up until then, progressing between age groups means decreasing prices.
COLUMBUS CAR INSURANCE PRICES BY DRIVER AGE
Columbus Car Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $1,161 more a year. The most notable benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save approximately $228 per year.
COLUMBUS AUTO INSURANCE RATES BY CREDIT TIER
|Credit Level||Average 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 & 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
Car Insurance Companies in Columbus
Find Local Columbus Agents
Call Insurance Agency, Inc.
21 West Broad Street Columbus, OH 43215
Mark E. Watson & Associates
5020 Reed Road Columbus, OH 43220
Isner Insurance Associates, Inc.
221 S Hamilton Columbus, OH 43213
Roby, Foster, Miller, Earick, Inc.
30 Northwoods, Suite300 Columbus, OH 43235
Detwiler-Brofford Insurance, Inc.
firstname.lastname@example.org Columbus, OH 43215
All Ohio Insurance Agency, Inc.
180 Northwoods Blvd Columbus, OH 43235
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
W.E. Davis Ins. Agency, Inc.
29 Frederick Street Columbus, OH 43206
Tri Wood Ins Agency Inc
1000 Georgesville Rd Columbus, OH 43228
Phillips Insurance Agency
938 Dennison Ave Columbus, OH 43201
Horizon Insurance Services, Inc.
5151 Reed Rd Ste 201A Columbus, OH 43220
France & Associates, Inc.
5921 N High St Columbus, OH 43085
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