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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Drivers in Columbus pay an average of $196 per month for auto insurance, according to Compare.com data. Despite being Georgia’s third-largest city, Columbus has fewer accidents than less populated cities like Atlanta and Savannah, which may contribute to its lower average rates.[1]
That said, some companies offer premiums below the statewide average. For example, Mile Auto, Progressive, and Auto-Owners have some of the cheapest average premiums. The cheapest average liability rate is $84 per month.
We analyzed Columbus car insurance companies to find the cheapest for various driver types. We’ll also show you how to pick the right company for your insurance needs and provide tips to help you save on your premiums.
Mile Auto offers the cheapest car insurance in Columbus, averaging $84 per month for liability insurance.
Columbus drivers pay an average of $153 per month for liability insurance and $238 for full coverage.
Georgia drivers must have a minimum of 25/50/25 liability limits to drive legally.[2]
No matter what the average rates are in Columbus, several companies offer rates below the city average.
The table below shows which companies offer the cheapest car insurance coverage in Columbus, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Mile Auto | $84 |
| Progressive | $87 |
| Auto-Owners | $91 |
| State Farm | $98 |
| COUNTRY Financial | $99 |
| Allstate | $107 |
| USAA | $115 |
| Mercury | $119 |
| Root | $161 |
| Direct Auto | $164 |
| GAINSCO | $167 |
| GEICO | $174 |
| Clearcover | $178 |
| Bristol West | $190 |
| National General | $190 |
| Safeco | $192 |
| AssuranceAmerica | $194 |
| The General | $203 |
| Infinity | $222 |
| Foremost | $232 |
| Nationwide | $236 |
| Liberty Mutual | $366 |
Mile Auto is the cheapest auto insurance company in Columbus, averaging $84 per month.
The following sections break down which insurers offer the cheapest average premiums based on the top factors that affect your premium the most.
Get personalized quotes from top insurers and save money today.
While the companies above are a great starting point, your actual rate may look a lot different depending on personal factors like your age, driving history, location, and coverage needs.
The table below highlights the cheapest insurers across a range of driving profiles and coverage levels, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Mile Auto | $84 |
| Full coverage | Auto-Owners | $121 |
| Teens | COUNTRY Financial | $149 |
| Seniors | Mile Auto | $65 |
| Drivers with a speeding ticket | Mile Auto | $98 |
| Drivers with an at-fault accident | Mile Auto | $110 |
| Drivers with a DUI | Progressive | $107 |
| Drivers with excellent credit | Mile Auto | $69 |
| Drivers with poor credit | Mile Auto | $103 |
Let’s take a closer look at each coverage and driver type to see which companies offer the most affordable rates for each.
The average rate for state-minimum coverage is $153 per month in Columbus, according to our data. Though state requirements are all you need to drive legally, most experts recommend buying higher liability limits to protect your finances if you cause an accident that costs more than your policy limits provide.[3]
The chart below shows Columbus’ five cheapest insurance companies for state-minimum coverage, according to Compare.com data.
Most drivers should consider full coverage because it covers other drivers, plus your vehicle and injuries. Besides liability, full coverage typically includes comprehensive and collision coverages to pay for damage to your car and medical payments for you and your passengers’ injuries.
In Columbus, the average full-coverage premium is $238 per month, according to Compare.com data. Though full coverage costs more than liability-only insurance, some insurers offer rates close to the city’s average liability premium. But keep in mind that if you lease or finance your car, your lender will likely require you to purchase full coverage.[4]
The chart below shows the cheapest insurers in Columbus for full coverage, according to our data.
Teen drivers typically pay the highest car insurance rates of any age group due to their lack of driving experience and higher likelihood of accidents, according to the Insurance Institute for Highway Safety (IIHS).[5]
The average monthly insurance cost for teen drivers in Columbus is $351, but that doesn’t mean affordable rates aren’t available. Some insurers still offer competitive rates for young drivers.
Here are several companies that offer more affordable rates for Columbus teens, according to Compare.com data.
Seniors have decades of driving experience and are usually more cautious drivers, earning them some of the cheapest rates of any age group.
The average rate for Columbus seniors is $168 per month, according to our data. But even with these low premiums, you can usually find a better deal from several Georgia car insurers.
The chart below shows the five cheapest car insurance companies in Columbus for seniors, according to our research.
Getting a speeding ticket can raise your rates at your next policy renewal. Insurers consider drivers with moving violations and accidents as more risky to insure, which means you pay higher rates if you have them in your recent driving history. Our research shows that average rates increase by 29% nationally after a single speeding ticket.
The average Columbus driver with a speeding ticket pays $239 per month, according to our data, but several insurers offer cheaper rates.
The chart below features the cheapest insurers in Columbus for people with a recent ticket, according to Compare.com data.
You could see a significant jump in your rates if you cause an accident in Columbus. On average, a single at-fault accident increases car insurance rates by 33% nationwide, according to our research.
Drivers in Columbus with a recent accident pay an average monthly premium of $259, according to our data.
But you can often find a better deal with one of the five insurers highlighted in the chart below, according to Compare.com data.
A DUI conviction triggers the highest rate hikes. Our data reveals premiums rise by 58% on average across the U.S. after a DUI conviction.
Columbus drivers with a DUI pay an average of $242 per month for coverage, according to our research. But that doesn’t mean you’re stuck with expensive rates.
Consider getting a car insurance quote from the following companies offering the cheapest rates in Columbus for drivers with a DUI, according to Compare.com data.
Believe it or not, your credit history can affect your car insurance rates. Insurers consider it when calculating rates because research shows a correlation between poor credit and more frequent claim filings.[6]
We found that drivers with poor credit pay 38% more for car insurance coverage than drivers with excellent credit scores. Columbus drivers with poor credit pay around $245 per month for insurance, according to our data.
But not all companies use credit to determine insurance costs, and some still offer cheap rates, regardless of your credit history. You may find a cheaper rate with the insurers in the chart below if you have poor credit in Columbus, according to Compare.com data.
Compare quotes side by side and lock in cheaper rates.
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Like nearly every state, Georgia requires drivers to have car insurance to legally drive. Georgia law requires you to have at least:
$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury liability
$25,000 per accident for property damage liability
Although it’s optional coverage, insurance companies must offer uninsured/underinsured motorist coverage with the same liability limits in Georgia.[7] It helps pay for your damages if a driver who has little to no insurance hits you.
Most experts recommend buying coverage above the state’s minimum limits to better protect yourself financially in an at-fault accident. If you cause severe injuries or property damage, you could be personally responsible for the costs that exceed your policy limits.
Though comprehensive and collision coverages are optional, they can cover damage to your car no matter who’s at fault. Lenders require comprehensive and collision coverage if you finance or lease your vehicle. You can further customize your policy with coverages like:
We answered common questions to help Georgia drivers find the cheapest car insurance in Columbus.
Car insurance costs an average of $196 per month in Columbus, according to Compare.com data. Drivers pay an average monthly premium of $153 for liability coverage and $238 for full coverage.
The cheapest auto insurance company in Columbus is Mile Auto, with an average monthly rate of $84, according to Compare.com data. Comparing online quotes is the best way to find the cheapest insurer for your budget, driving profile, and coverage needs.
Yes. Car insurance in Columbus is higher than the national average, according to our data. Columbus drivers pay an average of $196 per month for coverage. For context, the national average is $149 per month. But your personal rates depend on several factors, including your ZIP code, driving history, age, and coverage choices.
A few ways to lower your car insurance in Georgia include dropping comprehensive and collision coverages if you have an older car you can afford to fix or replace, and increasing your deductible if you can afford to pay more out of pocket after an accident. You can also ask your insurer about discounts and compare quotes from multiple companies to save money.
Georgia drivers must have at least 25/50/25 liability insurance. That means your liability limits must be at least $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property damage to others.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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