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
Tri Wood Ins Agency Inc
1000 Georgesville Rd Columbus, OH 43228
Thomas-Fenner-Woods Agency, Inc.
1500 Lake Shore Drive Columbus, OH 43204
Phillips Insurance Agency
938 Dennison Ave Columbus, OH 43201
Ray Insurance Agency, Inc.
1580 Fishinger Rd Columbus, OH 43221
Horizon Insurance Services, Inc.
5151 Reed Rd Ste 201A Columbus, OH 43220
W.E. Davis Ins. Agency, Inc.
29 Frederick Street Columbus, OH 43206
Wells Fargo Insurance Services of Ohio LLC
580 N 4th St Ste 400 Columbus, OH 43215
Isner Insurance Associates, Inc.
221 S Hamilton Columbus, OH 43213
Detwiler-Brofford Insurance, Inc.
email@example.com Columbus, OH 43215
All Ohio Insurance Agency, Inc.
180 Northwoods Blvd Columbus, OH 43235
France & Associates, Inc.
5921 N High St Columbus, OH 43085
Call Insurance Agency, Inc.
21 West Broad Street Columbus, OH 43215
Roby, Foster, Miller, Earick, Inc.
30 Northwoods, Suite300 Columbus, OH 43235
Mark E. Watson & Associates
5020 Reed Road Columbus, OH 43220
The average Columbusite's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Columbus
Just enter your zip code to get started
Columbus Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...