Columbus, GA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Columbus.
How much does car insurance cost in Columbus?
The average car insurance rate in Columbus, is $803 for six months. That's less expensive than the average across Georgia ($804) and more expensive than the national average of $880. Read on to learn more about how much you can expect to pay based on age, credit score, and other factors in Columbus. Read on to learn more!
| Car insurance in Columbus vs. Georgia | Average 6 Mo. Premium |
|---|---|
| Columbus average | $803 |
| Georgia average | $804 |
The Zebra's key takeaways about car insurance in Columbus:
- The average cost of a car insurance policy in Columbus is $803 per six-month policy — $133 per month.
- The cheapest company in Columbus is Georgia Farm Bureau ($524).
- 35% of Zebra customers in Columbus stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Columbus car insurance rates by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Columbus, Georgia Farm Bureau offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Columbus. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Georgia Farm Bureau | $524 |
| USAA | $643 |
| GEICO | $797 |
| State Farm | $814 |
| Progressive | $963 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Columbus.
Columbus auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 28% of Columbus drivers. The best age for car insurance rates as a driver in Columbus is your 50s: drivers in this age group pay an average of $701 per six-month policy. Rates for Columbus drivers in their 60s are also relatively affordable, at just $723.
Teenage drivers pay Columbus's most expensive insurance rates. When Columbus drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Columbus is $4,231. That's the biggest gap in premiums between any pair of age brackets.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,225 |
| 20s | $1,110 |
| 30s | $795 |
| 40s | $758 |
| 50s | $701 |
| 60s | $723 |
| 70s | $902 |
Columbus car insurance rates by credit score
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Columbus drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 51% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Columbus, moving into the "Fair" credit tier corresponds to an average of $498Â in savings on insurance every six months. Our data tells us 44% of drivers in Columbus have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,415 |
| Fair | $916 |
| Good | $803 |
| Very Good | $756 |
| Exceptional | $691 |
Columbus car insurance rates by violation
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DUIs and DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Columbus drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $824 per year versus the city average. A ticket for speeding results in a $420 rate hike while a DWI or DUI violation costs $1,179 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,393 |
| Reckless Driving | $1,215 |
| At-fault Accident (damages less than $1,000) | $1,122 |
| At-fault Accident (damages greater than $2,000) | $1,246 |
| Speeding Ticket (16-20 mph over speed limit) | $1,013 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.