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Cheap Auto Insurance Quotes in Columbus, GA (June 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Janeth Lopez

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Despite being the third-largest city in Georgia, Columbus has what is often described as hassle-free driving. Residents note that there’s very little traffic, and freeways are smartly designed. While it might be easy to get where you need to go, you’ll still want to make sure you have a car insurance policy that keeps you protected, as accidents can happen in the blink of an eye even when there aren’t many cars on the road.

Car Insurance in Columbus, GA

The average cost of Georgia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Columbus, GA to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Columbus is $229 per month, or $2748 annually.
  • Car insurance in Columbus is $18 less than the average cost of car insurance in Georgia.
  • The cheapest car insurance provider in Columbus on average is Progressive, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$113
Travelers
$152
The General
$160
Nationwide
$206
Mercury
$250

Cheapest Car Insurance in Columbus, GA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in ColumbusQuotes
Progressive$113 /mo
Travelers$152 /mo
The General$160 /mo
Nationwide$206 /mo
Mercury$250 /mo

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Best Car Insurance in Columbus, GA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Columbus. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
American Family89$234 /mo
Safeco86$238 /mo
Liberty Mutual82$232 /mo
Mercury81$251 /mo
Travelers80$177 /mo

Average Car Insurance Cost

Georgia Cities
Atlanta$226/mo
Savannah$207/mo
Augusta$185/mo
Roswell$204/mo
Columbus$176/mo
Georgia$200/mo
Columbus
$176
Augusta
$185
Average for GA
$200
Roswell
$204
Savannah
$207
Atlanta
$226
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Georgia

All motor vehicles operated or parked on Georgia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured motorist bodily injury
  • $50,000 per accident for uninsured motorist bodily injury
  • $25,000 per accident for uninsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Columbus Car Insurance Rates by Driver Age

Drivers getting their feet wet on the roads of Columbus should make sure they’re prepared to pay significantly higher rates for their insurance compared to their neighbors. Those under the age of 20 pay an average of $577; however, once motorists turn 20, their rates drop dramatically to $331. Prices continue to decrease as time goes on, with the cheapest rates of $220 available to motorists in their 60s.

Driver's AgeAvg. Monthly Cost
teens$578
20s$332
30s$239
40s$234
50s$226
60s$221
70s$260
80s$226

Columbus Car Insurance Rates by Driving and Accident History

Some drivers might think that their insurance rates will be sky-high if they have a violation on their record, but in Columbus, that’s not always the case. Individuals with a perfect history behind the wheel pay an average of $252 for car insurance. Drivers pay around $240 if they’ve previously failed to stop at an intersection. At-fault accidents can bump up rates to $325, while speeding can cause the biggest increase, averaging around $343.

Driving HistoryAvg. Monthly Cost
No Violation$253
Speeding Ticket$344
At-Fault Accident$326
Failure to Stop for Red Light / Stop Sign$241

Columbus Car Insurance Rates by Credit Tier

It can be tough to reach the excellent credit tier, but for Columbus residents who do, the savings are worth it. Drivers in this category pay an average of $246 for car insurance, while those in the good credit range pay $286 on average. Prices may drop a bit for motorists who have average and poor credit, with insurance premiums coming in at $269 and $268, respectively. Most drivers in Columbus are in these bottom categories yet find their rates are still affordable.

Credit TierAvg. Monthly Cost
Excellent$247
Good$287
Average$270
Poor$269

Find local Columbus agents

  • The Farley Agency

    118 Enterprise Court,
    Columbus, GA 31904-3099
  • Yates Woolfolk & Turner Insurance

    6001 River Rd.,
    Columbus, GA 31904
  • Sterling Seacrest Partners

    6400 Bradley Park Drive,
    Columbus, GA 31904
  • OuterBridge Risk Advisors

    7206 Schomburg Rd,
    Columbus, GA 31909
  • Proverb Insurance Agency, LLC

    5964 Veterans Pkwy,
    Columbus, GA 31909
  • 'Capparelle''s Insurance Agency'

    3902 Hamilton Road,
    Columbus, GA 31904
  • Ragan Insurance Agency, Inc

    4511 Armour Road,
    Columbus, GA 31904
  • Oakbridge Insurance Agency dba Hutchinson Traylor Insurance (Columbus)

    6310 Bradley Park Drive,
    Columbus, GA 31906
  • Kite Insurance Agency

    1656 S Lumpkin Rd,
    Columbus, GA 31903
  • Culpepper Insurance

    5510 Veterans Pkwy Children and Family,
    Columbus, GA 31904
View more

Columbus, GA DMV Information

Residents in Columbus never have to drive far to access a DMV office. There are tag offices located throughout the greater metropolitan area and a Georgia Department of Driver Services office located a short drive outside the city center. As Columbus isn’t highly populated, you likely won’t have to wait in long lines at the DMV.

Public Transportation in Columbus, GA

If you opt to utilize public transportation in Columbus, you have a number of options to consider. The METRA transit system operates nine routes in and around the city and runs Monday through Saturday. Ridesharing options like Uber and Lyft are popular during bus off-hours. While other cities across the nation have turned to alternative transportation options like electric scooters, those in Columbus aren’t as fortunate; the city placed a ban on them in early 2020.

How to get the best and cheapest car insurance in Columbus, GA

For some, driving in Columbus may seem like paradise, as there’s minimal traffic and most major services are close to the city center. While you might want to rely on public transportation from time to time, you won’t be paying much for auto insurance should you decide to own a vehicle.

Keep in mind that Georgia doesn’t require you to purchase a full array of coverage, although it’s highly recommended that you consider all of your insurance options before you enroll in a policy. Rather than spend hours comparing quotes, visit Insurify to compare prices and determine which policy will best meet your needs.

FAQs - Columbus, GA Car Insurance

  • Most drivers find that their annual premium for auto coverage is only slightly more expensive than the national average and tends to be a bit less compared to the state average. It’s important to consider all aspects of your policy when determining the best coverage for your needs.
  • Drivers in this area have a wealth of options to choose from, as both major insurance carriers and smaller companies offer auto policies. Residents may choose to work with a local agent to determine the best option for their needs or go online to explore what’s available to them.
  • Unlike other states, Georgia only requires that drivers carry liability insurance in order to legally operate their vehicle. While some opt for this route to save on monthly premiums, it’s recommended that you purchase collision coverage to have full protection in the event of an accident.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Columbus Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Columbus, Georgia below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Columbus drivers measure up to their fellow motorists across Georgia in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Columbus

#74

City with the Most Speeding Tickets Rank in Georgia

#103

City with the Most Moving Violations Rank in Georgia

#73

City with the Most DUIs Rank in Georgia

#38

City with the Most Suspended Licenses in Georgia

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Columbus drivers rank 76 in the number of car accidents per driver across all cities in Georgia.

    • Rank within state: #76
    • Percent of drivers in Columbus with an accident: 11.31%
    • Drivers in Columbus, GA with an accident in their driving history pay on average 43.48% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Georgia, Columbus drivers rank 74 in the number of speeding infractions per driver.

    • Rank within state: #74
    • Percent of drivers in Columbus with a speeding ticket: 10.41%
    • Drivers in Columbus, GA with a speeding ticket in their driving history pay on average 40% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Columbus drivers rank 73 in the number of DUI’s per driver across all cities in Georgia.

    • Rank within state: #73
    • Percent of drivers in Columbus with a DUI: 1.19%
    • Drivers in Columbus, GA with a DUI in their driving history pay on average 23.48% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Columbus is the Honda Accord.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Georgia, Columbus drivers rank 59 in rude driving infractions.

    • Rank within state: #59
    • Percent of drivers in Columbus with a reckless driving violation: 3.16%
    • Drivers in Columbus, GA with a reckless driving violation in their driving history pay on average 33.48% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Columbus drivers rank 15 in clean driving records across all cities in Georgia.

    • Rank within state: #15
    • Percent of drivers in Columbus with clean record: 79.24%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Columbus drivers rank 57 in failure to yield violations per driver across all cities in Georgia.

    • Rank within state: #57
    • Percent of drivers in Columbus with a failure to yield violation: 0.69%
    • Drivers in Columbus, GA with a failure to yield violation in their driving history pay on average 1700% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Georgia, Columbus drivers rank 24 in the number of reckless driving offenses per driver.

    • Rank within state: #24
    • Percent of drivers in Columbus with a reckless driving offense: 0.18%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Columbus drivers rank 87 in hybrid and electric vehicle ownership across all cities in Georgia.

    • Rank within state: #87
    • Percent of drivers in Columbus with a hybrid/electric vehicle: 0.43%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Office of Commissioner of Insurance and Safety Fire. "State Minimum Car Insurance Requirements." Accessed May 28, 2022