How Much Does Auto Insurance Cost in Columbus?


Premiums in Columbus are $118 higher than the state average, which is why the city is known for its pricey premiums. We've analyzed how car insurance rates in Columbus compare to costs nationwide.


CAR INSURANCE COSTS: COLUMBUS VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,155$1,037$1,427


Columbus Auto Insurance by Credit Level


Improving your credit can save you a sizable bundle of money. Those in the bottom credit tier (300-579) generally pay more than twice as much for car insurance than those in the top credit tier (800-850). Drivers will see the biggest drop in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $228 per year.


COLUMBUS CAR INSURANCE COSTS BY CREDIT TIER
Credit LevelAverage Auto Insurance Rate
Very Poor$2,157
Fair$1,774
Good$1,485
Very Good$1,224
Exceptional$996


Columbus Auto Insurance by Gender and Marital Status


In Columbus, both gender and marital status impact your car insurance premiums. 2% is the amount by which men's and women's car insurance premiums deviate. Single individuals spend an average of $47 more per year compared to those who are married. Rates for those who are widowed are slightly cheaper than rates for those who are single.


COLUMBUS AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,173
Male$1,155
Single$1,155
Married$1,108
Divorced$1,155
Widowed$1,149


Columbus Car Insurance by Accident or Violation History


Past accidents and violations can cost you in terms of car insurance premiums. A DUI will increase your car insurance premiums more than other driving violations. $832 is the extra cost per year for drivers with a DUI in Columbus, compared to the city average of $1,155. Reckless driving will also push your premiums up, with average rates of $1,817! Even among safe drivers, accidents happen, so be prepared and learn what one can do to your rates. In Columbus, those who are found at-fault in an accident end up spending 55% more than the city average on car insurance each year.


AVERAGE COLUMBUS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentMean Rate
DUI/DWI$1,987
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 Costs by Driver Age

Teenage drivers have the most expensive rates of any age group. They have car insurance payments that average $4,641. When Columbus drivers reach their 20s, therefore moving out of the teenage age bracket, they reduce their premiums by 64%. It is the biggest difference between any age group. Rates continue to trend downward up until drivers turn 60. Drivers in their 50s save money on premiums, as they have the smallest rates among all age groups, paying only $1,009 annually. However, people in their 60s ($1,043) aren’t paying much more.


COLUMBUS AUTO INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$4,641
20s$1,664
30s$1,139
40s$1,102
50s$1,009
60s$1,043
70s$1,293


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 Codes

43222   43219   31905   43211   43224  

Cheap Zip Codes

43065   43016   43137   43081   43054  

Be Prepared For

Driving in C-Bus

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

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.

139

Rainy Days a Year

39"

Avg. Annual Rainfall

28"

Avg. Annual Snowfall

Find Local Columbus Agents

France & Associates, Inc.

5921 N High St Columbus, OH 43085

Isner Insurance Associates, Inc.

221 S Hamilton Columbus, OH 43213

Roby, Foster, Miller, Earick, Inc.

30 Northwoods, Suite300 Columbus, OH 43235

Not sure about Columbus

Check out these other Ohio cities...

Cleveland

Cincinnati

Toledo

$1,193

The average Columbusite's annual cost of coverage

40%

Our customer's average savings after comparing insurance

191

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

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