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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 auto insurance rates in Columbus are in line with rates across the rest of Indiana.
If you're thinking of moving to Columbus from out of state, you may still be in luck. You can expect to pay about $32 below the national average for auto insurance in Columbus.
These rates may be the average amount Columbus residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
We've analyzed the average rate for Columbus and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up once you hit retirement age in Columbus.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Columbus, however, the difference in monthly rates for car insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Columbus, a driving record with a single accident will usually get you a rate around $58 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $51.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$51|
In Columbus, the cheapest vehicles to insure are typically SUVs, with drivers paying around $44 per month for insurance coverage.
Car owners, on the other hand, usually pay around $51 per month, while truck and van drivers can expect to pay about $47 a month to insure their car.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Columbus, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
More often than not, married policyholders will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Columbus can be as much as $21 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$77|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $2 a month more than homeowners in Columbus. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Columbus, IN
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 had been increasing from 2017-2018, but started to turn downward from 2019-2021, when they hit a low of $36. Policy premiums finished up in 2022, at $57 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 a monthly rate, car insurance companies will consider a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Total amount of drivers in the area
- Regional laws
- Local crime rates
- Frequency of car accidents
- Off-street parking availability
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Columbus?
While getting familiar with 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.
Don't worry, Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing auto coverage in Columbus.
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Columbus Insurance FAQs
What factors affect car insurance quotes in Columbus?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Columbus different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Columbus?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Columbus or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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