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Columbus Car Insurance

How much does car insurance cost in Columbus, OH? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Columbus?

Columbus is a Midwestern city known for its dazzling nightlife, delicious cuisine, and booming arts scene. The town, which is nicknamed the Arch City, is one of the fastest-growing cities in the Midwest, according to Ideastream. Thrillist describes Columbus as "cool without being pretentious."

Residents love exploring downtown Columbus, the Short North Arts District, Arena District, and German Village. Tourists enjoy visiting the Columbus Zoo and Aquarium, the city's Coffee Trail and the LEGOLAND Discovery Center.

Although individuals can travel using the Central Ohio Transit Authority, using a car is the quickest way to get around town.

Are you a Columbus resident that needs insurance coverage for your vehicle? SmartFinancial can help you find affordable car insurance that fits your needs and budget. In this article, you'll learn about the auto insurance requirements for Columbus, Ohio.

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 $103.72 per month compared to the national average of $135.68 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.

AreaAverage Monthly Rate
National $135.68
Ohio $90.92
Columbus, Ohio $103.72

Columbus, OH Best Car Insurance Companies

car insurance in Columbus

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, USAA generally has the most affordable car insurance in Columbus coming in around $65.92 per month. Other companies to consider if you live in Columbus is Erie with an average cost of $83.80 per month and Auto-Owners Insurance Co which typically runs around $89.91 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Columbus.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $65.92-27.50%
2 Erie $83.80-7.83%
3 Auto-Owners Insurance Co $89.91-1.11%
4 State Farm $91.500.64%
5 American Family $96.956.63%
6 Ohio Mutual Ins Group $106.6317.28%
7 Grange Mutual $108.5619.40%
8 Motorists Mutual $118.6030.44%
9 Hastings Mutual Insurance Co $118.8030.67%
10 Buckeye Insurance Group $123.0135.30%

How Much is Car Insurance in Columbus, OH?

how much is auto insurance in Columbus

Rates can vary from city to city. The residents of Cincinnati typically pay $113.99 per month while people who live in Cleveland will pay $99.83 per month on average. See what people pay for car insurance in other cities in Ohio.

Ohio CitiesMonthly Average Rate
Cincinnati $113.99
Cleveland $99.83
Columbus $103.74
Dayton $84.52
Toledo $104.75

Cheap Car Insurance in Columbus by Zip Codes

find cheap auto insurance in Columbus

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.

Columbus, OH ZIP CodeAverage Monthly Rate
43085$88.56
43201$92.63
43202$88.03
43203$179.86
43204$104.12
43205$94.55
43206$115.29
43207$100.98
43209$96.55
43210$119.01
43211$116.74
43212$76.96
43213$111.69
43214$102.81
43215$126.71
43217$72.49
43219$94.67
43220$76.09
43221$81.07
43222$153.18
43223$105.76
43224$110.37
43227$99.90
43228$101.90
43229$106.48
43230$91.68
43231$88.52
43232$108.13
43234$102.78
43235$94.39
43240$112.28

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 $199.16 per month in Columbus. Compare that to drivers in their 30’s who typically pay around $95.86 per month drivers in their 40s at $75.09 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.

Age GroupAverage Monthly Rate
16-19$199.16
20s$138.11
30s$95.86
40s$75.09
50s$70.08
60s$67.70
70+$79.51

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 $111.10 per month. This is likely the most affordable option in Columbus. You might also want to consider Erie and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$111.10
Erie$161.79
Auto-Owners Insurance Co$166.70
State Farm$171.53
American Family$175.13

Cheapest Insurance for 20 Year-olds in Columbus

20 year-olds in Columbus might want to consider USAA who, on average, offers car insurance rates around $83.71 per month. Erie, Auto-Owners Insurance Co , State Farm and American Family are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$83.71
Erie$107.71
Auto-Owners Insurance Co$118.50
State Farm$120.00
American Family$120.04

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 $58.59 per month, followed by Erie at $69.46 and Auto-Owners Insurance Co at $70.25.

CompanyAverage Monthly Rate
USAA$58.59
Erie$69.46
Auto-Owners Insurance Co$70.25
State Farm$74.22
American Family$86.44

Cheapest Insurance for 40 Year-olds in Columbus

On average, USAA offers car insurance for 40 year-olds in Columbus for around $49.30 per month. If you are looking for affordable coverage, you may also want to consider Erie or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$49.30
Erie$61.33
Auto-Owners Insurance Co$64.05
State Farm$67.19
Ohio Mutual Ins Group$72.90

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 $46.92 per month.

CompanyAverage Monthly Rate
USAA$46.92
Erie$60.31
Auto-Owners Insurance Co$63.44
Ohio Mutual Ins Group$65.30
State Farm$68.49

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 $47.04 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$47.04
Erie$60.92
State Farm$61.87
Ohio Mutual Ins Group$62.03
Auto-Owners Insurance Co$66.00

Driver's Coverage Auto Insurance Rates in Columbus, OH

driver's coverage

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 $87.14 while drivers who are not currently covered will pay around $128.28.

CoverageAverage Monthly Rate
Not Currently Insured $128.28
Currently Insured $87.14

Compare Recent Car Insurance Quotes in Columbus

auto insurance quotes in Columbus city

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 2016 Chevrolet Malibu Limited can expect to pay around $185.12 per month while someone that owns a 2012 Chevrolet Cruze may pay around $75.40 per month. Check out the list of recent quotes in Columbus below.

VehicleAverage Monthly Rate
2016 Chevrolet Malibu Limited$185.12
2012 Chevrolet Cruze$75.40
2009 Honda Civic$173.51
2017 Toyota Highlander$214.67
2010 Chevrolet Impala$73.83
2014 Toyota Rav4$56.22
2015 Honda Accord$84.47
2016 Jeep Patriot$125.61
2006 Honda Accord$64.17
2014 Buick Regal$82.39

FAQ's for Drivers in Columbus, OH

driver’s frequently asked question in Columbus

Columbus Auto Insurance Requirements

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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Commute Time in Columbus, OH

21.6 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Columbus, OH

747

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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