Best Cheap Auto Insurance in Columbus, Georgia (2024)

Columbus drivers come out ahead of the Peach State’s overall average when it comes to full-coverage car insurance costs.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxManaging 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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Updated February 14, 2024 at 7:24 AM PST

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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.

Quick Facts
  • Columbus is the third-largest city in Georgia, with a population of 202,616. Your city’s population size can affect how much you pay for car insurance.

  • Columbus drivers pay nearly 21% less for car insurance than the state average but nearly 10% more than the national average.

  • Car insurance companies in Georgia can consider a driver’s credit score when setting insurance premiums.

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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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$60/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.
$85/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
  • A.M. 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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$91/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

  • Cheapest option in Columbus for teen drivers

Cons
  • Gap insurance not available

  • Must finalize quote with an agent

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for teachers and first responders: COUNTRY Financial

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
868
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.
$64/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.
$92/mo

COUNTRY Financial offers more discounts than most — you can save money if you’re engaged, install an anti-theft device, or graduate from college. Teachers and first responders could save up to 15% on auto insurance.

Pros
  • Wide variety of discounts

  • A.M. Best financial strength rating of A+ (Superior)

Cons
  • Gap insurance not available

  • Quotes not available online

Philip is personable and overall makes dealing with insurance and claims easier.

Megan - May 27, 2023
Verified

Average customer service from the agent

Michael - December 27, 2022
Verified

Worked with them for many years; never had issues, and our agent always had our best interests at heart

Shirley - October 2, 2022
Verified
Read our Country Financial review

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:

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Hugo51
Auto-Owners60
State Farm63
COUNTRY Financial64
Allstate70
Mile Auto72
USAA75
Progressive88
GEICO103
Mercury105
Safeco105
Clearcover116
Liberty Mutual119
Direct Auto120
AssuranceAmerica121
National General123
Elephant128
State Auto129
GAINSCO142
Infinity150
Nationwide154
Midvale Home & Auto156
The General193
Bristol West204
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

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:

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Hugo59
Auto-Owners85
State Farm91
COUNTRY Financial92
Allstate99
USAA106
Mile Auto108
Progressive134
GEICO147
Travelers148
Direct Auto163
Mercury164
Safeco172
Elephant178
Foremost185
Clearcover196
AssuranceAmerica205
State Auto208
Liberty Mutual210
Midvale Home & Auto211
Nationwide212
National General255
GAINSCO283
Infinity291
The General318
Bristol West367
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.

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Car insurance requirements in Georgia

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

  • 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.

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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.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo8372
Auto-Owners11380
State Farm11680
COUNTRY Financial12184
Allstate12890
USAA13797
Mile Auto167111
Progressive179118
GEICO190133
Direct Auto222163
Elephant232167
Safeco239146
Mercury242155
Clearcover265157
Nationwide277201
AssuranceAmerica287170
Midvale Home & Auto288213
Liberty Mutual292165
State Auto299186
National General332160
GAINSCO357179
Infinity397204
The General424257
Bristol West481267
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

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.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo8069
Auto-Owners11783
State Farm12385
COUNTRY Financial13091
Allstate13595
USAA144102
Mile Auto178119
Progressive191126
GEICO201141
Direct Auto234172
Elephant245176
Mercury254163
Safeco257157
Nationwide291212
AssuranceAmerica296175
Liberty Mutual307174
Midvale Home & Auto310229
State Auto316196
Clearcover323191
National General352170
GAINSCO380191
Infinity390201
The General448272
Bristol West497276
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

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.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo9280
Auto-Owners13897
State Farm148102
COUNTRY Financial149104
Allstate161114
USAA172122
Mile Auto175117
Progressive217143
Direct Auto239176
GEICO239167
Mercury270173
Safeco279170
Elephant289208
Clearcover318188
AssuranceAmerica333196
State Auto338209
Liberty Mutual341193
Midvale Home & Auto342253
Nationwide344250
National General414200
GAINSCO459230
Infinity472243
The General516313
Bristol West596331
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

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.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Auto-Owners5036
State Farm5135
COUNTRY Financial5639
Allstate6244
USAA6748
Progressive6845
Mile Auto7047
GEICO9063
Direct Auto9973
Elephant11381
Mercury11473
Nationwide11684
Safeco12777
AssuranceAmerica12876
Liberty Mutual13576
Clearcover172102
National General18690
GAINSCO201101
The General232141
Bristol West239133
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

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.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo10591
COUNTRY Financial13191
Auto-Owners143101
State Farm156108
Allstate174123
USAA175124
Mile Auto205137
GEICO232162
Progressive241158
Direct Auto296218
Elephant296213
Mercury301193
Safeco309189
Clearcover352208
Liberty Mutual360204
Nationwide362263
State Auto374232
AssuranceAmerica386228
Midvale Home & Auto402297
National General483233
The General509309
GAINSCO513258
Infinity540279
Bristol West611340
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.

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.

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 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.

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 $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:

CityAverage Monthly QuoteCompared to Columbus
Atlanta$44659%
Augusta$2882%
Decatur$55899%
Douglasville$35426%
Lawrenceville$38437%
Lithonia$52687%
Marietta$31512%
Savannah$36129%
Stone Mountain$49175%

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?

    Columbus, Georgia, drivers pay a monthly average of $278 for full-coverage car insurance and $208 for liability-only coverage, according to Insurify data.

  • 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 A.M. Best, high Insurify Quality (IQ) Score, and above-average customer satisfaction ratings.

    Other top insurers in Columbus include Auto-Owners 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.gov. "Auto Insurance." Accessed July 19, 2023
  2. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed July 19, 2023
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed July 19, 2023
  4. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed July 19, 2023
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 CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging 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.

Featured in

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