Cheapest Auto Insurance in Columbus, Georgia (2024)

Hugo offers the cheapest car insurance in Columbus, with minimum-coverage policies as low as $56 per month.

Jamie Johnson
Written byJamie Johnson
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Updated July 14, 2024

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Cheapest recent rates near Columbus, Georgia

Recent Columbus, Georgia car insurance prices for Honda, Mazda, Chevrolet , and more.

*Quotes generated for Insurify users in and around Columbus, Georgia within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Columbus, Georgia within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

With full-coverage car insurance averaging $239 per month, Columbus drivers pay less for coverage than the Georgia state average of $241. But the city’s average rates are still higher than the national average for full coverage.

Georgia tends to have higher overall car insurance costs for multiple reasons, including a comparatively high fatality rate, exposure to severe coastal weather, and multiple cities with more than 100,000 residents. Columbus is the third-largest city in Georgia, but had fewer accidents in 2022 (6,802) compared to other big cities like Atlanta (35,768) or Savannah (8,233), according to Georgia Department of Transportation data.[1]

The exact amount you pay for car insurance coverage in Columbus will depend on multiple factors, including your age, gender, driving record, credit, and more. Comparing quotes from multiple car insurance companies is the best way to find the coverage you need at an affordable price.

Quick Facts
  • Hugo, Auto-Owners, and State Farm are the cheapest car insurance companies for Columbus drivers.

  • Columbus is the third-largest city in Georgia, with a population of 202,616.[2]

  • Drivers in Columbus pay an average of $140 per month for liability-only coverage.

3 of the cheapest car insurance companies in Columbus

The auto insurance policy that’s best for you will depend on your individual situation, such as your age, location, credit history, and driving record, which is why it’s important to shop around. Comparing multiple insurance companies will help you determine what you’re looking for.

Here’s an overview of three of the best insurance companies for Columbus drivers.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Hugo7.0N/A$57Low-mileage drivers
Auto-Owners8.5$97$64Newer vehicles
State Farm9.3$104$69Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low-mileage drivers: Hugo

Compare personalized, real-time quotes
User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$224/mo

Launched in 2021, Hugo is currently the only insurance company offering policy terms as short as three days and the ability to make smaller, more frequent micropayments. Drivers open an account with Hugo without paying a down payment, and choose their policy term. Hugo sells policies for three, seven, 14, or 30 days, or six months, and offers minimum coverage liability insurance. Hugo no longer sells full-coverage policies, and liability policies are limited to state minimums – you can’t buy higher liability limits.

Pros
  • Short-term policies

  • No down payment required

  • Micropayment option

Cons
  • Only available in 13 states

  • Full coverage not available

  • No discounts

Read more driver reviews of Hugo
Jennifer - July 13, 2024
Verified

Rate Increase If You Turn Off and On

I can't say much except that I don't like the rate hike because I didn't use it.

Deborah - June 30, 2024
Verified

Excellent

It's a weekly policy and only covers liability.

Makayla - June 24, 2024
Verified

New Insurance

The process was very easy and helpful for me.

Best insurer for newer vehicles: Auto-Owners

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$95/mo

Auto-Owners is the cheapest overall auto insurance option for Columbus drivers and the best option for anyone with a new or classic vehicle. The company offers specialized insurance for classic cars and diminished-value protection.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Protects drivers with newer or more expensive vehicles

Cons
  • Below-average J.D. Power customer satisfaction rating in the Southeast region 

  • Online quotes not available

Read more driver reviews of Auto-Owners
Kevin - July 2, 2024
Verified

Great, Except for the Price

I recommend checking prices with other providers.

Nancy - June 27, 2024
Verified

Excellent

They have beaten all insurance quotes for the coverage I have.

Ronald - June 21, 2024
Verified

Rate Increases Too Much for Someone on a Fixed Income

There's always someone else who is cheaper.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
User Reviews
3.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$68/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$102/mo

State Farm is known for its excellent customer service and generous discounts. Teen drivers can save up to 25% by purchasing a State Farm policy, and the savings will last until they turn 25.

Pros
  • Above-average J.D. Power customer satisfaction rating in the Southeast region

  • One of the cheapest options in Columbus for teen drivers

Cons
  • Gap insurance not available

  • Must finalize quote with an agent

Read more driver reviews of State Farm
Brenda - July 14, 2024
Verified

Again, Very Easy to Work With

They have been very easy to work with.

Ed - July 14, 2024
Verified

Compare

I have been with State Farm for over forty years and have nothing but good things to say about them. However, the rates keep going up, so the advice is to compare.

John - July 14, 2024
Verified

Good

It wasn't bad for years, but recently the rates have skyrocketed.

How to get the cheapest car insurance in Columbus

Insurance companies look at your driving record, ZIP code, gender, age, and marital status when considering you for insurance coverage.[3] Here are five ways you can find cheap auto insurance in Columbus:

  • Choose a car with safety features. Most insurance companies will give you a discount if your vehicle has certain safety features, like anti-lock brakes or an alarm system.

  • Take advantage of discounts. Most insurance companies offer discounts you can take advantage of. For example, you can receive a multi-policy discount by buying your auto and homeowners insurance from the same company. Or, if you have more than one vehicle to insure, you may be able to get a multi-vehicle discount.

  • Spend less time driving. Drivers who spend more time on the road are at higher risk of getting in an accident. So if you work from home instead of commuting to the office, you may qualify for a low-mileage discount.

  • Raise your deductible. You’ll pay an out-of-pocket deductible before your insurance company pays out on an insurance claim. Raising your deductible even by a few hundred dollars can help you find affordable car insurance.

  • Shop around for insurance. The best way to save money on insurance is by receiving quotes from at least three companies. From there, you can see which company offers you the lowest prices and best overall coverage.

Cheapest liability-only car insurance in Columbus: Hugo

Liability-only car insurance covers any damages and medical bills for others if you’re found at fault in an accident. State law requires all Georgia drivers to carry liability insurance that meets the minimum limits.

But you may want to purchase additional coverage since liability insurance won’t cover any damages to your vehicle. It’s important to consider your ability to cover potential out-of-pocket expenses before choosing liability-only coverage. And if you have an auto loan or lease, your lender or leasing company will require you to buy full coverage.

The average cost of liability-only coverage in Columbus is $140 per month. Here are the cheapest liability-only policies in Columbus:

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo$56
Auto-Owners$63
State Farm$68
COUNTRY Financial$69
Allstate$74
Mile Auto$75
USAA$79
Progressive$92
Safeco$96
GEICO$109
Mercury$113
Clearcover$119
Elephant$137
Liberty Mutual$137
Direct Auto$138
AssuranceAmerica$140
GAINSCO$153
Midvale Home & Auto$153
National General$159
Nationwide$163
Infinity$201
The General$208
Bristol West$230
Foremost$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Columbus: Auto-Owners

If you have full-coverage auto insurance, that means you have liability, collision, and comprehensive insurance. Liability insurance is required in Georgia, but collision and comprehensive insurance are optional add-ons.[4]

You’ll pay more for full coverage, but the extra financial protection may justify the higher costs. Collision insurance will protect you if you get into an accident with another vehicle. Comprehensive insurance protects you from non-collision losses, such as theft, vandalism, or fire.

On average, Columbus drivers pay $239 per month for full coverage. Here are the cheapest full-coverage car insurance options in Columbus:

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$95
State Farm$102
COUNTRY Financial$104
Allstate$112
USAA$120
Mile Auto$126
Safeco$157
Progressive$159
GEICO$165
Mercury$177
Elephant$196
State Auto$215
Clearcover$223
Hugo$224
Midvale Home & Auto$234
AssuranceAmerica$243
Liberty Mutual$247
Nationwide$247
Direct Auto$252
National General$270
Foremost$309
GAINSCO$310
The General$356
Infinity$378
Bristol West$448
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Columbus, Georgia

Recent Columbus, Georgia car insurance prices for Ford, Mazda, GMC , and more.

*Quotes generated for Insurify users in and around Columbus, Georgia within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Columbus, Georgia within the last 10 days. Last updated on July 11, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Georgia

Here are the minimum insurance requirements you’ll need to drive legally in Georgia:[4]

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    $25,000 per person and $50,000 per incident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability

    $25,000 per incident

You also have the option to purchase the following add-on policies:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Physical damages coverage

    Physical damages insurance pays for damages to your car, and it includes comprehensive and collision coverage. These coverages will protect you from theft, vandalism, and vehicle collisions.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist coverage

    This coverage will protect you if you’re involved in an accident with a driver who doesn’t have insurance.

Cheapest car insurance for drivers with an incident

You can expect your car insurance rates to go up if you’re involved in a driving-related incident. This includes receiving a speeding ticket, driving under the influence, or being involved in an at-fault accident.

Fortunately, you have ways to save on auto insurance after an incident. Many companies offer accident forgiveness, which means your car insurance won’t go up after your first accident. But the exact conditions will vary depending on your insurer.

Find Car Insurance in Columbus, Georgia

Monthly rates start at $74 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Hugo

Speeding is often a factor in traffic accidents, so insurers view drivers with speeding tickets as riskier to insure. The more tickets you have, the more your insurance rates will go up. But you may be able to save money by taking a defensive driving course and keeping a clean record.

In Columbus, drivers with speeding tickets face average monthly car insurance rates of $342 for full coverage and $201 for liability-only policies.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo$56$77
Auto-Owners$63$82
State Farm$68$88
COUNTRY Financial$69$92
Allstate$74$96
Mile Auto$75$103
USAA$79$103
Progressive$92$120
Safeco$96$127
GEICO$109$142
Mercury$113$158
Clearcover$119$157
Elephant$137$196
Liberty Mutual$137$196
Direct Auto$138$180
AssuranceAmerica$140$186
GAINSCO$153$218
Midvale Home & Auto$153$206
National General$159$207
Nationwide$163$214
Infinity$201$273
The General$208$274
Bristol West$230$298
Foremost$248$354
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Hugo

At-fault accidents will cause your premiums to go up, though the extent will depend on the severity of the accident. It’ll also depend on whether it’s your first accident or if you have a history of at-fault accidents.

At-fault accidents push average monthly car insurance rates to $363 for full coverage and $213 for liability-only policies in Columbus. See monthly rates for drivers with an at-fault accident in Columbus below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo$56$75
Auto-Owners$63$87
State Farm$68$94
COUNTRY Financial$69$99
Allstate$74$102
Mile Auto$75$111
USAA$79$109
Progressive$92$129
Safeco$96$129
GEICO$109$151
Mercury$113$166
Clearcover$119$175
Elephant$137$186
Liberty Mutual$137$206
Direct Auto$138$195
AssuranceAmerica$140$193
GAINSCO$153$204
Midvale Home & Auto$153$224
National General$159$222
Nationwide$163$227
Infinity$201$274
The General$208$293
Bristol West$230$314
Foremost$248$373
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Hugo

Driving under the influence (DUI) is one of the most serious moving violations you can receive. In some cases, you could see your insurance premiums double or even triple after a DUI. If this isn’t your first offense, your insurance company could even choose to drop you as a customer.

Columbus drivers with DUI convictions pay some of the highest average car insurance rates in the city, at $411 per month for full coverage and $241 for liability only.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo$56$85
Auto-Owners$63$107
State Farm$68$116
COUNTRY Financial$69$117
Allstate$74$126
Mile Auto$75$115
USAA$79$134
Progressive$92$157
Safeco$96$163
GEICO$109$186
Mercury$113$174
Clearcover$119$203
Elephant$137$233
Liberty Mutual$137$233
Direct Auto$138$235
AssuranceAmerica$140$238
GAINSCO$153$260
Midvale Home & Auto$153$260
National General$159$271
Nationwide$163$277
Infinity$201$342
The General$208$354
Bristol West$230$392
Foremost$248$422
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Hugo

Seniors tend to pay higher rates for auto insurance. Rates start to decrease around age 35, but they begin to creep up again around age 70. Older drivers are at a higher risk of being involved in an accident. Seniors are more prone to serious injuries from car accidents, as well.

Senior drivers can save on car insurance costs by completing an approved defensive driving course or opting for pay-per-mile insurance if they no longer drive frequently. In Columbus, car insurance for seniors costs $183 per month for full coverage and $107 for liability-only insurance, on average.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull Coverage Liability Only
Auto-Owners$72$48
State Farm$76$51
COUNTRY Financial$79$53
Allstate$87$57
Mile Auto$92$55
USAA$92$61
Progressive$109$63
Safeco$124$76
GEICO$127$84
Mercury$130$83
Elephant$150$105
Hugo$154$39
Clearcover$173$92
Midvale Home & Auto$173$113
AssuranceAmerica$177$102
Nationwide$178$117
Direct Auto$188$103
Liberty Mutual$192$106
National General$203$120
Foremost$233$187
GAINSCO$248$122
Infinity$274$146
The General$280$164
Bristol West$346$178
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Hugo

Motor vehicle crashes are the leading cause of death for U.S. teens, according to the Centers for Disease Control and Prevention.[5] This is largely due to their inexperience behind the wheel. Additional factors, like the presence of other teenagers, distracted driving, or nighttime driving, can increase the likelihood of an accident.

In Columbus, teen drivers pay average monthly rates of $439 for full coverage and $257 for liability only. Fortunately, teens have ways to save on insurance. Look for an insurance company that offers a good student discount, like State Farm. You can also save by buying a safer car and staying on your family insurance plan as long as possible.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyFull Coverage Liability Only
COUNTRY Financial$155$103
Auto-Owners$165$110
State Farm$176$117
Allstate$199$132
USAA$202$133
Mile Auto$248$147
GEICO$264$175
Progressive$290$168
Mercury$326$208
Elephant$328$229
Safeco$329$201
Hugo$395$99
Midvale Home & Auto$409$268
Nationwide$429$283
Clearcover$438$234
AssuranceAmerica$457$263
Liberty Mutual$460$255
Direct Auto$465$255
National General$527$311
Foremost$556$446
GAINSCO$557$275
The General$583$341
Infinity$702$373
Bristol West$773$397
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Columbus, Georgia

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Columbus car insurance quotes by credit tier

Georgia is one of many states that allow insurance companies to consider credit history when determining insurance rates.[6]

As you can see from the chart below, drivers with excellent or good credit typically receive far lower rates than drivers with poor credit.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Columbus?

The average cost for full-coverage insurance in Columbus is $239 per month, which is above the national average of $214 per month. But it still falls below the state average of $241 per month.

Many people don’t realize that their ZIP code affects how much they pay for insurance. For example, if you live in an area with higher rates of crime or inclement weather conditions, you can expect to pay more for insurance.

More cities in Georgia

Here’s how Columbus compares to average monthly car insurance rates in other cities in Georgia:

CityFull CoverageLiability Only
Atlanta$274$222
Augusta$227$143
Dallas$242$171
Gainesville$230$139
Lawrenceville$267$175
Macon$317$187
Marietta$246$174
Savannah$258$179
Valdosta$186$108

On Insurify's secure site

4.8/5
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Columbus, Georgia, car insurance FAQs

If you’re shopping for car insurance in Columbus, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.

  • How much is car insurance in Columbus?

    Car insurance in Columbus, Georgia, costs an average of $239 per month for full coverage and $140 per month for liability-only policies, according to Insurify data. Your actual rate can be more or less than the averages, based on your individual rating factors such as age, gender, driving history, credit history, and more.

  • What are the cheapest car insurance companies in Columbus?

    Hugo has the lowest car insurance rates for Columbus drivers, with liability-only coverage starting as low as $56 per month. Auto-Owners and State Farm are the second- and third-cheapest insurers in the city, with liability-only rates starting at $63 and $68 per month, respectively.

  • What are the best car insurance companies in Columbus?

    One of the best car insurance companies in Columbus is State Farm. The company has a Superior financial strength rating from AM Best, a high Insurify Quality (IQ) Score, and above-average customer satisfaction ratings.

    Other top insurers in Columbus include Auto-Owners, Hugo, and COUNTRY Financial. But you should always shop around and compare quotes from different insurers to make sure you’re finding the best policy for your situation.

  • What is the minimum car insurance you need in Georgia?

    Georgia state law requires drivers to carry $25,000 per person and $50,000 per incident in bodily injury liability, as well as $25,000 per incident in property damage liability. Driving without these minimum requirements can result in fines, jail time, and license suspension.

  • Is Georgia a no-fault state?

    No. Georgia is an at-fault, or tort, state. This means the driver at fault for an accident is responsible for paying for injuries or damages they cause.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Georgia Department of Transportation. "GDOT Crash Data Dashboard."
  2. U.S. Census Bureau. "Quick Facts, Columbus city, Georgia."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Georgia.gov. "Auto Insurance."
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  6. National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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