Cheapest Auto Insurance in Columbus, Nebraska (2024)
Auto-Owners offers the cheapest car insurance in Columbus, with minimum-coverage policies as low as $23 per month.
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Written byTheresa Stevens
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 20, 2024
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Table of contents
Columbus residents pay less for car insurance than Nebraskans in other cities — the overall average cost of car insurance in Columbus is $141. By comparison, the overall average for the state is $149.
Short commute times and small population size could contribute to the lower cost of car insurance in Columbus. Residents of Columbus spend an average of just 12 minutes driving to work each day, and the city has a population of just over 24,000.[1]
Though car insurance in Columbus is cheaper than in some other Nebraska cities, it’s still a good idea to compare car insurance quotes from multiple insurers to find the best coverage for your situation.
Quick Facts
Auto-Owners, American Family, and USAA have the cheapest car insurance in Columbus.
Columbus drivers pay a monthly average of $81 for liability insurance and $201 for full-coverage car insurance.
Full-coverage car insurance in Columbus averages $2,411 per year.
3 of the cheapest car insurance companies in Columbus
The cheapest car insurance company may not always be your best option. Car insurance companies consider many factors when setting rates, such as your age, ZIP code, driving record, vehicle type, and even your credit history.
Your rate will be different from that of every other driver, so it’s crucial to compare quotes from multiple insurers to find the best fit.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| American Family | 9.1 | $54 | $35 | Cheap rates |
| Allstate | 8.9 | $66 | $42 | Discounts |
| USAA | 9.4 | $60 | $38 | Military members and veterans |
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 cheap rates: American Family
| User Reviews | 4.5 |
|---|---|
| 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. | 9.1 /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. | $32/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. | $51/mo |
4.5
Best choiceBased on 386 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (207)
Stephanie
November 5, 2024
Verified Review
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
Devona
November 5, 2024
Verified Review
Line by Line to Save Money
Go through every line item with your agent!
Joseph
November 4, 2024
Verified Review
Looking for Better
Beware of renewal periods, as American Family increases the premium amount at every renewal stage, even without you having any claims or violations.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family started in Madison, Wisconsin, in 1927 as Farmers Mutual Automobile Insurance Company. Today, it offers coverage in 19 states. American Family’s insurance products include auto, home, business, life insurance, and more. Available discounts include loyalty and safe driving discounts.
Pros
Various insurance products available
Higher-than-average auto claims satisfaction
Cons
Car insurance available in only 19 states
Discounts may not be available in all states
Best insurer for discounts: Allstate
| User Reviews | 4.0 |
|---|---|
| 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. | 8.9 /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. | $39/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. | $62/mo |
4.0
Best choiceBased on 5647 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
The oldest mutual insurer offering car insurance in the United States, Allstate first opened its doors in 1907. Today, it provides various insurance products, including auto, homeowners, personal liability, and marine insurance.
Pros
Pay-per-mile coverage available
Superior financial strength rating from AM Best
Cons
Poor customer satisfaction rating
Average rates compared to other insurance companies
Best insurer for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.4 /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. | $36/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. | $57/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA began in 1922, when 25 Army officers came together to insure each other’s vehicles. USAA has kept that tradition, offering insurance coverage to current and former military members and their spouses and children.
USAA members can also take advantage of the company’s banking products, such as loans and credit cards. The company’s discounts include good driver and legacy discounts. Members storing their car during deployment or for other reasons may be eligible for a discount.
Pros
Perks for military members
Offers loans and credit cards
Cons
Only available to current and former military members, military spouses, and children
Limited number of physical locations
How to get the cheapest car insurance in Columbus
These are some ways to get cheap auto insurance in Columbus:
Compare quotes. Prices and coverage options can vary significantly by insurer. Requesting quotes from a few different insurers can help you find the right insurance policy for your needs and budget.
Raise your deductible. Your deductible is the amount of a claim you must pay before insurance kicks in. For example, if your deductible is $500, raising it to $1,000 may lower your premium. Just make sure you can afford to pay your deductible amount out of pocket in the event of a claim.
Practice safe driving habits. Drive safely by limiting distractions, adhering to speed limits, and giving yourself plenty of time to hit the brakes. Many insurance companies offer discounts to people who practice safe driving habits and maintain a clean driving record.
Find Cheap Car Insurance in Columbus, Nebraska
Rates start as low as $23 for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Columbus: Auto-Owners
Nebraska law requires all drivers to carry liability-only car insurance. This coverage pays for the injuries and property damage of the other driver if you cause a car accident but not for your own injuries or vehicle repairs.
Liability-only insurance may make sense if an affordable monthly premium is your primary concern. Just know that only having liability insurance may result in higher out-of-pocket expenses in the event of an accident.
Columbus residents pay an average monthly rate of $81 for liability-only car insurance. Here are some of the best rates for liability coverage in Columbus.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $23 |
| American Family | $32 |
| USAA | $36 |
| GEICO | $37 |
| Allstate | $39 |
| State Farm | $40 |
| Clearcover | $46 |
| National General | $51 |
| Nationwide | $54 |
| Progressive | $57 |
| Safeco | $63 |
| AssuranceAmerica | $65 |
| Farmers | $66 |
| Shelter | $68 |
| Dairyland | $90 |
| Foremost | $97 |
| The General | $102 |
| Liberty Mutual | $109 |
| Bristol West | $110 |
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
Full-coverage car insurance isn’t a specific type of insurance but instead refers to policies that include additional coverage beyond liability — typically, comprehensive and collision insurance. While liability insurance is mandatory in Nebraska, full coverage is optional.
Liability insurance helps protect the other driver if you’re in an accident. Full coverage protects you through collision and comprehensive insurance. Collision coverage pays for damages from collisions with other vehicles or objects, while comprehensive coverage protects against non-collision events like weather, theft, and vandalism.
Drivers who want the broadest protection and minimal out-of-pocket costs in the event of an incident should consider full-coverage car insurance. On average, full coverage costs Columbus drivers $201 per month. Below are some of the cheapest options for full-coverage auto insurance in Columbus.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $38 |
| American Family | $51 |
| USAA | $57 |
| GEICO | $60 |
| Allstate | $62 |
| State Farm | $67 |
| Clearcover | $82 |
| Nationwide | $86 |
| Progressive | $93 |
| Farmers | $107 |
| AssuranceAmerica | $108 |
| Shelter | $110 |
| National General | $114 |
| Safeco | $138 |
| Liberty Mutual | $204 |
| Dairyland | $208 |
| Foremost | $248 |
| Bristol West | $253 |
| The General | $262 |
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, Nebraska
Drivers using Insurify have found quotes as cheap as $39/mo for liability only and $71/mo for full coverage in Columbus and other Nebraska cities.
*Quotes generated for Insurify users in and around Columbus, Nebraska within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Columbus, Nebraska within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Nebraska
Nebraska is an at-fault state, meaning you’re financially responsible for car accidents you cause. Under Nebraska law, you must always have proof of financial responsibility in your vehicle. This can include proof of insurance that meets the state-minimum requirements or a $75,000 surety bond.[2]
Here are the minimum-coverage requirements in the state of Nebraska:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/Underinsured motorist bodily injury liability | $25,000 per person / $50,000 per accident |
If you want broader protection, consider purchasing additional coverages, such as:
Collision coverage
Collision insurance helps pay to repair or replace your vehicle if it’s damaged in an accident or collision with an object like a tree or telephone pole.
Comprehensive coverage
Comprehensive insurance covers damages to your vehicle from non-collision events, like theft, vandalism, and weather.
Medical payments coverage
Medical payments helps cover medical care and funeral expenses for you and your passengers after a car accident.
Roadside assistance coverage
Roadside assistance pays for roadside services, such as towing, fuel delivery, and tire changes.
Gap coverage
If you total your car, gap insurance covers the difference between your car’s value and the amount you owe on your loan or lease.
Cheapest car insurance for drivers with an incident
Incidents such as at-fault accidents, speeding tickets, and other moving violations can increase your insurance premiums. Driving under the influence can result in hefty fines and jail time, in addition to higher insurance costs.
Your car insurance premium may rise after an incident because insurance companies consider your driving record when setting rates. Insurers consider drivers with incidents on their records as higher risk than drivers with clean records.
Find Car Insurance in Columbus, NE
Rates start at $29 per month for drivers with incidents on their records
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you’re caught exceeding the speed limit, you may receive a speeding ticket. Aside from the fine of the speeding ticket itself, you may also see a bump in your car insurance premium.
Insurers view speeding as risky, and rightfully so — speed has been a factor in approximately one-third of all motor vehicle fatalities for more than two decades, according to the National Highway Traffic Safety Administration (NHTSA).[4]
Columbus drivers with a speeding ticket face an average monthly cost of $125 for liability-only coverage and $310 for full coverage. Here are some of the cheapest car insurance companies for drivers with speeding tickets in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $23 | $32 |
| American Family | $32 | $44 |
| USAA | $36 | $49 |
| GEICO | $37 | $51 |
| Allstate | $39 | $53 |
| State Farm | $40 | $54 |
| Clearcover | $46 | $63 |
| National General | $51 | $70 |
| Nationwide | $54 | $75 |
| Progressive | $57 | $78 |
| Safeco | $63 | $87 |
| AssuranceAmerica | $65 | $89 |
| Farmers | $66 | $90 |
| Shelter | $68 | $96 |
| Dairyland | $90 | $123 |
| Foremost | $97 | $142 |
| The General | $102 | $142 |
| Liberty Mutual | $109 | $160 |
| Bristol West | $110 | $151 |
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: Auto-Owners
If you get into an at-fault accident, your rates will likely increase. Though some states have “no-fault” rules, Nebraska isn’t one of them. Nebraska is an at-fault state. In an at-fault state, if you cause an accident, you’re financially responsible for the losses of the other driver. Fortunately, the effects of at-fault accidents on your rates diminish over time.
In Columbus, policies for drivers with at-fault accidents average $125 per month for liability-only auto insurance and $310 for full coverage. Below are some of the lowest monthly rates for drivers with an at-fault accident in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $23 | $33 |
| American Family | $32 | $46 |
| USAA | $36 | $51 |
| GEICO | $37 | $53 |
| Allstate | $39 | $56 |
| State Farm | $40 | $57 |
| Clearcover | $46 | $70 |
| National General | $51 | $73 |
| Nationwide | $54 | $78 |
| Progressive | $57 | $82 |
| Safeco | $63 | $89 |
| AssuranceAmerica | $65 | $91 |
| Farmers | $66 | $94 |
| Shelter | $68 | $101 |
| Dairyland | $90 | $127 |
| Foremost | $97 | $147 |
| The General | $102 | $148 |
| Liberty Mutual | $109 | $165 |
| Bristol West | $110 | $157 |
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: Auto-Owners
Driving under the influence (DUI) in Columbus can result in fines, license suspension, and even jail time in some cases. Penalties for a DUI in Nebraska depend on your blood alcohol concentration (BAC) level and if you have prior DUI convictions within the last 15 years. First-time offenders face a $500 fine and between seven and 60 days in jail.[5]
The average overall monthly cost of car insurance with a DUI on your license in Columbus is $145 for liability-only coverage and $310 for full coverage. Here are some of the lowest car insurance rates for drivers with a DUI in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $23 | $39 |
| American Family | $32 | $55 |
| USAA | $36 | $62 |
| GEICO | $37 | $64 |
| Allstate | $39 | $67 |
| State Farm | $40 | $69 |
| Clearcover | $46 | $79 |
| National General | $51 | $88 |
| Nationwide | $54 | $93 |
| Progressive | $57 | $98 |
| Safeco | $63 | $101 |
| AssuranceAmerica | $65 | $112 |
| Farmers | $66 | $113 |
| Shelter | $68 | $117 |
| Dairyland | $90 | $155 |
| Foremost | $97 | $167 |
| The General | $102 | $175 |
| Liberty Mutual | $109 | $187 |
| Bristol West | $110 | $189 |
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 the Cheapest Car Insurance After a DUI (2024)
Cheapest car insurance for seniors: Auto-Owners
Age is an important factor for insurers when setting car insurance rates. Generally, rates decrease around age 35 and increase again at around age 70. One reason senior drivers pay higher rates is that they’re more likely to have health conditions that affect their driving capabilities, which presents increased risk to insurers.
Columbus drivers older than 60 pay an average of $56 per month for liability-only auto insurance and $138 for full coverage. Below are the average monthly car insurance rates for seniors in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $27 | $17 |
| American Family | $36 | $23 |
| USAA | $42 | $26 |
| GEICO | $44 | $27 |
| Allstate | $45 | $29 |
| State Farm | $47 | $28 |
| Nationwide | $58 | $37 |
| Progressive | $61 | $37 |
| Clearcover | $65 | $36 |
| Shelter | $72 | $45 |
| AssuranceAmerica | $74 | $45 |
| Farmers | $76 | $47 |
| National General | $79 | $35 |
| Safeco | $108 | $49 |
| Dairyland | $151 | $66 |
| Liberty Mutual | $157 | $84 |
| Foremost | $181 | $71 |
| Bristol West | $185 | $80 |
| The General | $194 | $75 |
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: Auto-Owners
Teen drivers pay higher-than-average car insurance rates due to their lack of driving experience. Additionally, statistics show teens are more likely to get into accidents than any other age group.[6] Because teens present a greater insurance risk, companies raise rates accordingly.
On average, teen drivers in Columbus pay $155 per month for liability-only coverage and $384 for full coverage.
One way to minimize car insurance costs for your teen is to choose an insurer that offers discounts for young drivers, such as driver education and good student discounts. Teens can also keep rates relatively low by staying on their parents’ insurance policy.
Below are the average insurance rates for teens in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $68 | $41 |
| American Family | $93 | $59 |
| GEICO | $102 | $63 |
| USAA | $102 | $64 |
| Allstate | $117 | $74 |
| State Farm | $122 | $73 |
| Clearcover | $159 | $89 |
| Nationwide | $159 | $100 |
| Progressive | $173 | $106 |
| Shelter | $195 | $120 |
| Farmers | $198 | $122 |
| AssuranceAmerica | $210 | $126 |
| National General | $237 | $106 |
| Safeco | $280 | $128 |
| Dairyland | $357 | $154 |
| Liberty Mutual | $372 | $199 |
| The General | $443 | $172 |
| Bristol West | $453 | $197 |
| Foremost | $467 | $183 |
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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Columbus car insurance quotes by credit tier
The state of Nebraska allows insurance companies to consider your credit history when setting car insurance rates.[7] Insurers generally charge drivers with poor credit scores a higher premium than drivers with excellent or good credit scores.
Here are the average monthly quotes for each of the following credit tiers:
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 price of full-coverage car insurance in Columbus is $201 per month, compared to the national average of $204 and the state average of $205. Auto insurance is typically cheaper in Columbus than in the cities of Bellevue, Lincoln, and Omaha.
Columbus has a small population of around 24,000 in comparison to Omaha, which has around 485,000 people. Columbus drivers have shorter commutes than Omaha drivers, with an average driving time of 12.1 minutes, compared to 19.3 minutes for Omaha drivers.[1] [8] These factors likely contribute to Columbus’ lower auto insurance rates.
More cities in Nebraska
Here’s how other cities in Nebraska stack up to Columbus in terms of auto insurance rates.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Bellevue | $252 | $107 |
| Fremont | $214 | $80 |
| Grand Island | $190 | $82 |
| Lincoln | $187 | $101 |
| Norfolk | $174 | $80 |
| Omaha | $227 | $117 |
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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Cheapest Auto Insurance in Nebraska (2024)
Columbus car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Columbus.
How much is car insurance in Columbus?
Car insurance in Columbus costs $141 per month, on average. Drivers pay an average of $201 per month for full-coverage insurance and $81 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, coverage level, and more.
What are the best car insurance companies in Columbus?
American Family is the best car insurance company in Columbus, with an Insurify Quality (IQ) Score of 9.1 out of 5 and an AM Best financial strength rating of A (Excellent).
Of the insurers Insurify has rate data for, other top Columbus choices include Allstate and USAA.
Which company has the cheapest car insurance rates in Columbus?
Auto-Owners has the cheapest car insurance in Columbus, with liability rates of $23 per month. You can also find low rates with American Family and USAA, which have liability-only rates of $32 and $36 per month, respectively.
What is the minimum car insurance in Nebraska?
All drivers in Nebraska must carry car insurance. You must have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, $25,000 per accident in property damage liability insurance, and $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
Is Nebraska a no-fault state?
No. Nebraska is an at-fault state for car insurance, meaning the driver responsible for an accident must pay for the damages. You can either pay out of pocket or go through your insurer.
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
- 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.
Related articles
More cities in Nebraska
Sources
- U.S. Census Bureau. "QuickFacts Columbus, Nebraska."
- Nebraska Department of Motor Vehicles. "Insurance Requirements (Proof of Financial Responsibility)."
- Nebraska Department of Insurance. "Auto Liability Insurance."
- National Highway Traffic Safety Administration. "Speeding and Aggressive Driving Prevention."
- NOLO. "Nebraska DUI Laws and Penalties."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Nebraska Department of Insurance. "Credit Scoring How Does it Affect You?."
- United States Census Bureau. "Omaha city, Nebraska."
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Theresa Stevens
Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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