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.
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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:
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.
|Failure to Stop for Red Light / Stop Sign||$241|
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.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.