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How much is car insurance in Columbus?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Columbus typically costs about $18 a month less than it does in the rest of Georgia.
If you're considering relocating to Columbus from out of state, you may want to budget a little extra for your insurance. It's about $7 more expensive for coverage in Columbus than the average rates for the U.S. as a whole.
While these are the average car insurance rates for Columbus, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down the average rates for Columbus residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $63 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates rise again in Columbus.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. The difference in average rates in Columbus totals about $11 a month. As illustrated in the table above, female drivers in the area pay about $84 on average, while male drivers pay around $95 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Columbus with one accident will pay around $122 a month. Similarly, drivers with one ticket will typically pay around $102 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$84|
As you can see in the first table above, the cheapest vehicles to insure in Columbus are by and large trucks and vans, which run about $80 per month.
Car owners can expect to pay an average of around $91 a month for their policy, while SUVs usually cost around $85 a month to insure.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Columbus, vehicles six-to-seven years old and eight-to-ten years old are the most expensive to insure.
Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates begin to slide back down slightly. The most expensive vehicles to insure in Columbus, however, are vehicles six-to-seven years old and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$93|
Generally speaking, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Columbus can be as much as $24 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Another factor taken into consideration is your housing status. Renters can expect to pay around $12 a month more than homeowners in Columbus. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Columbus, GA
Recent trends in car insurance for Columbus drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Columbus, car insurance rates rose from 2017-2018 -- where they reached a high of $92 -- before leveling out in 2019. Rates increased again in 2020, and finished down at $68 in 2022.
How does Columbus compare to neighboring areas?
Why are car insurance rates in Columbus different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Local regulations
- Off-street parking access
- Local crime rates
- Amount of drivers in the area
- Frequency of car accidents
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Columbus?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Columbus.
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Columbus Insurance FAQs
What factors affect car insurance quotes in Columbus?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Columbus different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Columbus?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Columbus?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Columbus or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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