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WHAT DRIVES UP CAR INSURANCE RATES IN Columbus
Car Insurance in Columbus
If you are insuring a vehicle in Columbus, being knowledgeable about premiums is vital because premiums in Columbus are recognized for being costly. They generally exceed the state average by 11%. Going over some tips below about how to save on Columbus car insurance can save you money.
- City Average: $1,155
- State Average: $1,037
- National Average: $1,427
Columbus Car Insurance by Gender and Marital Status
In Columbus, several driver characteristics, including marital status and gender, can impact car insurance premiums. Rates for those who are widowed are marginally cheaper than rates for those who are single. Individuals who are single spend 4% more per year compared to those who are married. Premiums are cheaper for men. Men usually pay $18 less than women each year for insurance.
- Female: $1,173
- Male: $1,155
- Single: $1,155
- Married: $1,108
- Divorced: $1,155
- Widowed: $1,149
Columbus Car Insurance by Age
At $1,009, drivers in their 50s have the lowest payments among any age group. However, people in their 60s ($1,043) aren’t paying much more. Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $4,641. The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Columbus start saving $2,977 each year. Car insurance premiums continue to trend downward up until drivers hit 60.
- Teenagers: $4,641
- 20s: $1,664
- 30s: $1,139
- 40s: $1,102
- 50s: $1,009
- 60s: $1,043
- 70s: $1,293
Columbus Car Insurance by Accident or Violation History
Do you realize how much an accident or violation history can cost you in terms of car insurance premiums? A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Columbus will cost you 72% more in car insurance premiums versus the city average ($1,155). Reckless driving will also bump your rates up, with average rates of $1,817! Being at-fault in an accident can cost drivers an additional $641 per year in premiums compared to the city average.
- DUI: $1,987
- Reckless Driving: $1,817
- At-fault Accident (damages less than $1000): $1,796
- At-fault Accident (damages greater than $2000): $1,796
- Speeding Ticket (16-20 mph over speed limit): $1,392
Columbus Car Insurance by Credit Rating
Improving your credit can save you a sizable chunk of money. Those in the bottom credit tier (300-579) normally pay more than twice as much on premiums than those in the top credit tier (800-850). Drivers can save close to $228 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).
- Very Poor: $2,157
- Fair: $1,774
- Good: $1,485
- Very Good: $1,224
- Exceptional: $996
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 Zip Codes43222 43219 31905 43211 43224
Cheap Zip Codes43065 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
Wells Fargo Insurance Services of Ohio LLC
580 N 4th St Ste 400 Columbus, OH 43215
Mark E. Watson & Associates
5020 Reed Road Columbus, OH 43220
Roby, Foster, Miller, Earick, Inc.
30 Northwoods, Suite300 Columbus, OH 43235