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Cheap Auto Insurance Quotes in Columbus, NE (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Columbus is $157 per month, or $1884 annually.
- Car insurance in Columbus is $2 more than the average cost of car insurance in Nebraska.
- The cheapest car insurance provider in Columbus on average is Travelers, but you should always compare quotes to find your best personal rate.
Car Insurance in Columbus, NE
The average cost of Nebraska car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Columbus, NE to find you the cheapest quotes in the area.
Quotes by Top Companies
Progressive$29
State Farm$42
Allstate$48
Nationwide$86
Travelers$93
Cheapest Car Insurance in Columbus, NE
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Columbus | Quotes |
|---|---|
| Progressive | $29 /mo |
| State Farm | $42 /mo |
| Allstate | $48 /mo |
| Nationwide | $86 /mo |
| Travelers | $93 /mo |
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Average Car Insurance Cost
| Nebraska Cities | |
|---|---|
| Omaha | $133/mo |
| Lincoln | $92/mo |
| Bellevue | $124/mo |
| Grand Island | $102/mo |
| Columbus | $80/mo |
| Nebraska | $106/mo |
Columbus$80
Lincoln$92
Grand Island$102
Average for NE$106
Bellevue$124
Omaha$133
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in NE
Minimum car insurance laws are as varied as the U.S. states. With each state enforcing different rules and regulations, it can be confusing to know what’s required from what’s recommended from what’s only going to make your premium more expensive. Let us help you with that.
In Nebraska, drivers are required to purchase car insurance coverage meeting at least the following minimums:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
- $25,000/$50,000 uninsured and underinsured motorist bodily injury protection
Uninsured and underinsured motorist coverage cannot be waived. Its minimums can be increased for drivers with families or those looking for added peace of mind. For increases, drivers typically need to notify their insurance company in writing.
Find local Columbus agents
American Heartland Insurance Agency, Inc.
2118 23rd St,
Columbus, NE 68601GTA Insurance Group - Columbus
1762 26th Ave.,
Columbus, NE 68602-1216Cornerstone Insurance Group
1668 33rd Ave,
Columbus, NE 68601-4251Edgewater Insurance-Columbus
210 E 23Rd St,
Columbus, NE 68601-2818UNICO Group, Inc.
2457 33rd Ave Ste A,
Columbus, NE 68601-1309Ginger Moon Ins Agcy
2618 23rd Street,
Columbus, NE 68601-3202Hometown Insurance Agency
2822 23rd St,
Columbus, NE 68601-3206Jeanmarie Nelson: Allstate Insurance
2460 E 1st Ave Ste 102,
Columbus, NE 68601Farmers Insurance - Todd Wolverton
2466 18th Ave,
Columbus, NE 68601Insurance Services of Columbus
2524 13th St,
Columbus, NE 68601
FAQs - Columbus, NE Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
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.
Insurify Insights
How Columbus Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Columbus, Nebraska below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Columbus drivers measure up to their fellow motorists across Nebraska in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
RAM 1500
Most Popular Car in Columbus
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City with the Most Speeding Tickets Rank in Nebraska
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City with the Most Moving Violations Rank in Nebraska
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City with the Most DUIs Rank in Nebraska
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City with the Most Suspended Licenses in Nebraska
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 RAM 1500.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Columbus drivers rank in the number of DUI’s per driver across all cities in Nebraska.
- Rank within state: #
- Percent of drivers in Columbus with a DUI: {{percentDrivers}}%
- Drivers in Columbus, NE with a DUI in their driving history pay on average {{overpay}}% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Nebraska, Columbus drivers rank in the number of speeding infractions per driver.
- Rank within state: #
- Percent of drivers in Columbus with a speeding ticket: {{percentDrivers}}%
- Drivers in Columbus, NE with a speeding ticket in their driving history pay on average {{overpay}}% more than drivers with a clean record
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.