Best Cheap Auto Insurance in Columbus, Georgia (2023)

Situated along the Chattahoochee River near the Alabama border, Columbus, Georgia, is home to numerous museums and historic areas. It’s also home to relatively affordable car insurance rates.

The exact amount you pay for car insurance coverage in Columbus will depend on your personal circumstances. And a history of poor credit or driving-related incidents can cause your rates to go up. But you still have numerous ways to find cheap car insurance in the Fountain City.

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Best car insurance companies in Columbus

The auto insurance policy that’s best for you will depend on your individual situation, 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.

Best insurer for newer vehicles: Auto-Owners

Best insurer for teen drivers: State Farm

Best insurer for teachers and first responders: COUNTRY Financial

Cheapest liability-only car insurance in Columbus

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.

However, you may want to purchase additional coverage since liability insurance won’t cover any damages to your vehicle. Here are the cheapest liability-only policies in Columbus:

Cheapest full-coverage car insurance in Columbus

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.^[1]

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. Here are the cheapest full-coverage car insurance options in Columbus:

Car insurance requirements in Georgia

Here are the minimum insurance requirements you’ll need to legally drive in Georgia:^[1]

Bodily injury liability

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

Property damage liability

$25,000 per incident

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

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.

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.

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Cheapest car insurance for drivers with a speeding ticket

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.

Cheapest car insurance for drivers with an at-fault accident

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. See monthly rates for drivers with an at-fault accident in Columbus below.

Cheapest car insurance for drivers with a DUI

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.

Cheapest car insurance for seniors

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 75. Older drivers tend to be at higher risk of being involved in an accident. Seniors are more prone to serious injuries from car accidents, as well.

Seniors 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.

Cheapest car insurance for teens

Motor vehicle crashes are the leading cause of death for U.S. teens, according to the Centers for Disease Control and Prevention.^[2] This is largely due to their inexperience behind the wheel. Additional factors, like the presence of other teenagers or nighttime driving, can increase the likelihood of an accident.

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.

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.

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Columbus car insurance quotes by credit tier

Georgia is one of many states that allow insurance companies to consider credit scores when determining insurance rates.^[4]

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

Is car insurance more expensive in Columbus?

The average cost for full-coverage insurance in Columbus is $278 per month, which is slightly above the national average of $253 per month. However, it still falls below the state average of $350 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 other cities in Georgia:

City	Average Monthly Quote	Compared to Columbus
Atlanta	$446	59%
Augusta	$288	2%
Decatur	$558	99%
Douglasville	$354	26%
Lawrenceville	$384	37%
Lithonia	$526	87%
Marietta	$315	12%
Savannah	$361	29%
Stone Mountain	$491	75%

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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.

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