Table of contents
How much is car insurance in Columbus?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Columbus | $87 |
| GA | $102 |
| United States | $79 |
As you can see in the chart above, car insurance rates in Columbus are quite a bit less expensive than in the rest of Georgia.
Conversely, residents of Columbus might expect to pay higher rates for coverage than the rest of the country. It's about $8 more expensive than the national average to insure your vehicle in Columbus.
Bear in mind that while these rates are the average costs for Columbus drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Columbus so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $132 |
| 25-34 | $86 |
| 35-44 | $77 |
| 45-54 | $72 |
| 55-64 | $66 |
| 65+ | $80 |
It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. In Columbus, you'll see that young drivers can pay almost twice as much as drivers who are nearing retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $91 |
| Female | $84 |
On average, female drivers pay slightly less than male drivers for car insurance. In Columbus, the difference comes out to about $7 a month. Looking at the table above, you can see that female drivers pay around $84 on average, while male drivers typically pay $91 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $150 |
| Multiple Accidents | $143 |
| 1 Ticket | $112 |
| Multiple Tickets | $125 |
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Columbus with a single accident on their record will usually see rates around $112 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $150.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $78 |
| 2-3 Years | $89 |
| 4-5 Years | $84 |
| 6-7 Years | $91 |
| 8-10 Years | $91 |
| 11-14 Years | $86 |
| 15 Years or Older | $86 |
The cheapest vehicles to insure in Columbus are usually trucks and vans.
Those with SUV's can expect a monthly premium of about $85 per month, while car owners will typically see a bill of around $89.
On the other hand, truck and van drivers typically pay around $79.
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) | $92 |
| Married | $69 |
| Divorced | $75 |
| Widowed | $74 |
On average, those who have settled down into marriage will pay slightly less for their car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
As you can see, the difference in Columbus is pretty huge. Married policyholders typically pay around $23 a month less than drivers who are single.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $79 |
| Rent | $87 |
| Live with parents | $109 |
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than homeowners in Columbus. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Columbus, GA
Recent trends in car insurance for Columbus drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
Auto insurance rates in Columbus rose from 2016-2018, before leveling out in 2019. They finished down in 2021, at $79 per month
How does Columbus compare to neighboring areas?
Why are car insurance rates in Columbus different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Off-street parking accessibility
- Road Safety (frequency of local car accidents)
- Number of drivers
- Crime
- Community regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. 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?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Columbus.
Columbus Insurance FAQs
What factors affect car insurance quotes in Columbus?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your address, credit score, driving record and 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Columbus?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Columbus?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Columbus or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.