Cheapest car insurance companies in Columbus
According to a study by Insurance.com, the cheapest car insurance companies in Columbus for 2023 are Grange Mutual and Auto-Owners.
Grange Mutual is the cheapest option for most Columbus drivers, with an average annual rate of $1,153 .
In Columbus, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates.
| Companies | Average annual rates |
|---|---|
| USAA | $1,034 |
| Grange Mutual | $1,153 |
| Auto-Owners | $1,242 |
| Erie Insurance | $1,332 |
| Travelers | $1,477 |
| Geico | $1,629 |
| Cincinnati Insurance | $1,693 |
| Progressive | $1,725 |
| Westfield Insurance | $1,892 |
| Farmers | $2,099 |
| Allstate | $2,290 |
Cheapest car insurance cost in Columbus by Age Group
In Columbus, USAA is the cheapest car insurance company for teenagers, offering full coverage policies at $3,035 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Columbus at about $1,683 per year.
An analysis of car insurance rates for Columbus drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $1,049 per year.
USAA is the cheapest option for senior drivers in Columbus, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,052 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,035 | $1,683 | $1,049 | $1,052 |
| Auto-Owners | $3,653 | $2,238 | $1,263 | $1,329 |
| Erie Insurance | $3,692 | $2,253 | $1,352 | $1,438 |
| Geico | $4,043 | $2,148 | $1,624 | $1,730 |
| Grange Mutual | $4,508 | $1,968 | $1,128 | $1,205 |
| Cincinnati Insurance | $5,113 | $2,961 | $1,673 | $1,725 |
| Travelers | $5,346 | $2,448 | $1,515 | $1,563 |
| Westfield Insurance | $5,603 | $3,192 | $1,996 | $1,959 |
| Allstate | $8,042 | $3,505 | $2,365 | $2,321 |
| Progressive | $8,225 | $3,028 | $1,745 | $1,836 |
| Farmers | $9,312 | $3,470 | $2,028 | $2,132 |
Cheapest car insurance companies in Columbus by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Columbus. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
Comparison shopping is the key to getting the cheapest car insurance rates in Columbus. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Below are some of the cheapest car insurance companies in Columbus by driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: Nationwide
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Columbus drivers is $971.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Columbus.
| Company | Average annual rates |
|---|---|
| Nationwide | $971 |
| Geico | $1,201 |
| USAA | $1,432 |
| Travelers | $1,654 |
| Progressive | $2,185 |
| State Farm | $2,281 |
| Farmers | $2,374 |
| Allstate | $2,652 |
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Columbus. It provides full coverage car insurance for drivers aged 30 at about $1,021 per year.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,021 |
| Nationwide | $1,036 |
| State Farm | $1,113 |
| Travelers | $1,519 |
| Geico | $1,540 |
| Progressive | $1,614 |
| Farmers | $2,073 |
| Allstate | $2,155 |
Cheapest auto insurance after an at-fault accident: Nationwide
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that Nationwide offers the cheapest car insurance rates for Columbus drivers with at-fault accidents. It provides coverage at an average annual cost of $1,194.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,194 |
| State Farm | $1,208 |
| USAA | $1,414 |
| Travelers | $1,552 |
| Geico | $1,800 |
| Progressive | $2,116 |
| Farmers | $2,441 |
| Allstate | $2,907 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Columbus drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,113, on average.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $1,113 |
| USAA | $1,236 |
| Progressive | $1,686 |
| Nationwide | $1,704 |
| Travelers | $1,905 |
| Geico | $2,135 |
| Farmers | $2,502 |
| Allstate | $2,829 |
Average car insurance cost in Columbus
Full coverage car insurance in Columbus for a coverage limit of 100/300/100 is $1,597 per year or $133 per month, while the state minimum coverage costs an average of $444 a year.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State minimum average |
|---|---|
| $1,597 | $444 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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