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How much is car insurance in Columbus?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Columbus are about $9 a month more expensive than the rest of Ohio.
That being said, the expected monthly payments for an auto insurance policy in Columbus are below the national average. It's around $14 less to insure your vehicle compared to the average rate for the U.S. as a whole.
Keep in mind that these are the average auto insurance rates for Columbus, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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 the bill you'll see each month.
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 overpaying for your area, 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|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
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
Car insurance rates for men are usually slightly more expensive than they are for women. This rings true in Columbus, where women pay around $5 less per month than men. As you can see in the table above, male drivers in the area typically pay $69 on average, while female drivers typically pay $64 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Columbus with a single accident on their record will usually see rates around $89 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $85.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$58|
|15 Years or Older||$65|
In Columbus, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $58 per month for insurance.
SUV drivers will see rates of about $61, while the rates for car owners average out to about $70 a month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Columbus are vehicles eleven-to-fourteen years old.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Columbus, however, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
On average, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Columbus follows that pattern, with the difference totaling to around $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$109|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $6 a month more than if you own your own home in Columbus. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Columbus, OH
Recent trends in car insurance for Columbus drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Columbus, car insurance rates had been decreasing from 2017-2018, before leveling out in 2019. Rates fell again recently, reaching a low of $39 in 2022.
How does Columbus compare to neighboring areas?
Why are car insurance rates in Columbus different from other areas?
There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Number of drivers
- Regional laws
- Road Safety (frequency of car accidents)
- Prevalence of crime
- Amount of off-street parking
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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?
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.
But wait! Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Columbus in no time.
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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 vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
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 crime rates, local laws, and parking situations 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?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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, 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.
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