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.

City AverageState AverageNational 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.

Marital Status/GenderAverage 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!

Incident/ViolationAverage Insurance Rate
Reckless Driving$1,817
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.

AgeAverage Rate

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.

Credit LevelAverage Rate
Very Poor$2,157
Very Good$1,224

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

Be Prepared For

Driving in C-Bus

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

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.

sonya@detwilerinsurance.com 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

See All

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The average Columbusite's annual cost of coverage



Our customer's average savings after comparing insurance



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

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Columbus Car Insurance

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