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Car insurance coverage in Columbus costs an average of $1,036 annually for full coverage. That's $411 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Columbus, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Columbus provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Columbus

Allied P&C is the cheapest car insurance company in Columbus with an average cost of $665 per year, based on insurance.com's rate analysis. While United Svcs Automobile Assn is second in terms of the cheapest car insurance companies in Columbus. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
Allied P&C$665
United Svcs Automobile Assn$673
GEICO Advantage$689
Amer Family Mutl SI$839
Standard Fire$930
Home-Owners$970
State Farm Mutl Automobile Ins$1,019
Erie$1,097
Progressive Specialty$1,177
Metropolitan P&C$1,192
Farmers Ins of Columbus Inc$1,539
Allstate F&C$1,639

Cheapest car insurance cost in Columbus by age group

Among the carriers surveyed by Insurance.com, Geico Cas Co is the cheapest car insurance company for adult drivers. It offers insurance at about $777 a year or $65 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Cas Co is also the cheapest auto insurance company for seniors with an average cost of $808 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Cas Co offers the cheapest car insurance for young adults in Columbus at about $1,032 a year. While Geico Cas Co is the cheapest insurance provider for teen drivers for full coverage at an average of $2,476 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Cas Co$777$808$2,476$1,032
Progressive Specialty Ins Co$1,058$933$6,299$1,926
State Farm Mut Auto Ins Co$1,209$1,131$3,785$2,101
Nationwide Mut Ins Co$1,236$1,171$4,415$2,383
Farmers Ins Of Columbus Inc$1,475$1,360$8,075$2,596
Allstate Fire & Cas Ins Co$2,048$2,110$6,320$2,801

Cheapest car insurance companies in Columbus by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Columbus no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Allied P&C
  • Cheapest for a driver with a speeding ticket: United
  • Cheapest for accident: Allied P&C
  • Cheapest for DUI: Amer Family Mutl SI

Cheapest for a driver with poor credit: Allied P&C

Allied P&C is the cheapest car insurance company for a driver with poor credit in Columbus. Its average annual rate is $1,410 or $118 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAvgerage Annual Rates
Allied P&C Ins Co$1,410
Geico$1,611
United$1,657
Standard Fire Ins Co$2,131
Amer Family Mutl Ins Co SI$2,406
State Farm$2,957
Progressive$3,050
Farmers Ins$3,132
Allstate$3,183
Erie Ins$3,331
Home-Owners Ins Co$3,727
Metropolitan$5,620

Cheapest auto insurance for drivers with a speeding ticket: United

United is the cheapest auto insurance company for a driver with a speeding ticket in Columbus. Its average annual premium is $1,221 annually or $102 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
United$1,221
Allied P&C Ins Co$1,344
Amer Family Mutl Ins Co SI$1,444
State Farm$1,449
Home-Owners Ins Co$1,611
Erie Ins$1,627
Standard Fire Ins Co$1,887
Geico$2,095
Progressive$2,106
Farmers Ins$2,544
Allstate$2,566
Metropolitan$3,445

Cheapest auto insurance after an at-fault accident: Allied P&C

Allied P&C offers the cheapest car insurance rates for a driver with an accident record in Columbus at about $1,376 per year. Apart from Allied P&C , Amer Family Mutl SI, United, and State Farm are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
Allied P&C Ins Co$1,376
Amer Family Mutl Ins Co SI$1,444
United$1,446
State Farm$1,576
Standard Fire Ins Co$1,889
Erie Ins$1,928
Home-Owners Ins Co$1,939
Geico$2,058
Progressive$2,457
Farmers Ins$2,743
Allstate$3,315
Metropolitan$3,840

Cheapest auto insurance after a DUI: Amer Family Mutl SI

Amer Family Mutl SI is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $1,444 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
Amer Family Mutl Ins Co SI$1,444
State Farm$1,449
United$1,600
Allied P&C Ins Co$1,656
Progressive$1,969
Standard Fire Ins Co$1,979
Erie Ins$2,229
Geico$2,476
Farmers Ins$2,626
Home-Owners Ins Co$2,711
Allstate$2,852
Metropolitan$4,650

Average car insurance cost in Columbus

The average car insurance rate in Columbus is $1,036 a year for a full coverage policy of 100/300/100 for a driver age 30, $411 less than the national average of $1,447.

The average annual premium in Columbus for minimum coverage is $334 a year or $28 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,036$334