Cheap Auto Insurance Quotes in Columbus, GA (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$113
$152
$160
$206
$250
ProgressiveTravelersThe GeneralNationwideMercury
Monthly $

Cheapest Car Insurance in Columbus, GA

Here are the cheapest carriers in Columbus for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Columbus. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$205
$253
$207
$185
$204
$176
GeorgiaAtlantaSavannahAugustaRoswellColumbus
Monthly $

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Columbus, GA Driving Facts

georgia

Minimum Car Insurance Requirements in GA

Within the first month that a hands-free driving law was put into effect, car accidents in Georgia dropped by roughly 27%.

Georgia's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

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.

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

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.

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.

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.

Conclusion: 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.

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

Insurify Insights: How Columbus Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Columbus, GA
suspended licenses
#15
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Columbus drivers measure up to their fellow Georgia motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Columbus

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 paid on average 43.48% more than drivers with a clean record

Speeding Columbus

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 paid on average 40% more than drivers with a clean record

DUI/DWIs Columbus

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 paid on average 23.48% more than drivers with a clean record

Most Popular Vehicle Columbus

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.

Rude Columbus

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 paid on average 33.48% more than drivers with a clean record.

Safest Drivers Columbus

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%

Failure to Yield the Right of Way Columbus

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 paid on average 1700% more than drivers with a clean record

Reckless Drivers Columbus

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%

Hybrid/Electric Vehicle Ownership Columbus

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%

FAQs - Columbus, GA Car Insurance

Is car insurance in Columbus, Georgia, expensive?

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.

Where can I purchase auto insurance in Columbus?

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.

Can I drive in Columbus without collision coverage?

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.