Columbus Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Ohio has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Columbus typically pay around $117.54 per month compared to the national average of $145.87 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Columbus, OH Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Texas Farm Bureau Group generally has the most affordable car insurance in Columbus coming in around $53.33 per month. Other companies to consider if you live in Columbus is Clearcover with an average cost of $75.49 per month and USAA which typically runs around $75.74 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Columbus.

How Much is Car Insurance in Columbus, OH?

Rates can vary from city to city. The residents of Akron typically pay $107.09 per month while people who live in Canton will pay $94.63 per month on average. See what people pay for car insurance in other cities in Ohio.

Cheap Car Insurance in Columbus by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Ohio. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Columbus

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $255.68 per month in Columbus. Compare that to drivers in their 30’s who typically pay around $112.88 per month drivers in their 40s at $94.74 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Columbus

If you are teen in Columbus you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $140.66 per month. This is likely the most affordable option in Columbus. You might also want to consider State Farm and Erie who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Columbus

20 year-olds in Columbus might want to consider Texas Farm Bureau Group who, on average, offers car insurance rates around $53.33 per month. Clearcover , USAA , Nationwide ThreeSixZero and State Farm are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Columbus

If you are in your 30s in Columbus our research has found that USAA typically has the most affordable coverage coming in around $72.41 per month, followed by Clearcover at $73.26 and State Farm at $77.70.

Cheapest Insurance for 40 Year-olds in Columbus

On average, Safe Auto offers car insurance for 40 year-olds in Columbus for around $37.67 per month. If you are looking for affordable coverage, you may also want to consider USAA or Clearcover. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Columbus

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Columbus we found that USAA generally offers the most affordable coverage at $61.47 per month.

Cheapest Insurance for 60 Year-olds in Columbus

If you live in Columbus and you’re in your 60s, our data indicates that USAA usually has the best rates at $56.88 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Columbus, OH

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Columbus, the average monthly rate for a driver who is currently insured is $97.34 while drivers who are not currently covered will pay around $131.87.

Compare Recent Car Insurance Quotes in Columbus

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Columbus a driver of a 2020 Jaguar F-Pace can expect to pay around $254.17 per month while someone that owns a 2020 Honda Civic may pay around $264.17 per month. Check out the list of recent quotes in Columbus below.

FAQ's for Drivers in Columbus, OH

What Is the Minimum Amount of Liability Coverage Requirement in Columbus?

The Ohio Bureau of Motor Vehicles (BMV) requires drivers to have the following coverage for their vehicles:

• Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident for injury/death of one person
• Property Damage Liability Coverage: $25,000 per accident

If you have an accident, the minimum amount of coverage may not provide enough coverage. If this happens, you could pay for these expenses out of pocket. Purchase additional insurance to protect yourself and your assets.

What Is the Blood Alcohol Concentration (BAC) Limit in Columbus?

Blood alcohol concentration, or BAC, measures the amount of alcohol within a person's body. In Ohio, law enforcement tests BAC by using breath, urine, or saliva. The state considers drivers as impaired if they have:

• .08 BAC for Drivers (21 years and older)
• .02 BAC for Drivers (younger than 21 years old)
• .04 BAC for Commercial Drivers.

Are you a Columbus resident with a DUI on your records? We understand anyone can make a mistake. Unfortunately, a single conviction can cause your insurance premiums to increase. You can shop for a carrier that has more affordable rates using SmartFinancial. We'll provide you with a list of cheaper rates from local insurers within your area. We'll find a plan that's better for you.

Unfortunately, no one is perfect. Do you have a DUI on your record? One conviction can significantly raise your auto insurance rates. Let SmartFinancial can help you find lower insurance rates. You can fill out the form on our page and comparison shop for insurers that meet your needs.

Can I Register My Car Without Insurance in Columbus?

No, you can't. In Ohio, you must have insurance to register or drive any motor vehicle. Additionally, owners cannot allow another person to drive their automobile without insurance. Individuals must also show proof of coverage at traffic stops, accident scenes, and inspections.

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