Cheap Auto Insurance Quotes in Columbus, GA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Columbus, GA Driving Facts

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
georgia

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
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 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.

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

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Columbus stacks up for the state of Georgia:

honda
Honda Accord
Most Popular Car in
Columbus, GA
suspended licenses
#12
Cities with Most
Suspended Licenses Rank

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.