Cheapest Auto Insurance in Columbus, Ohio (2024)

Mile Auto offers the cheapest car insurance in Columbus, with minimum-coverage policies as low as $44 per month.

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Cheapest recent rates near Columbus, Ohio

Recent Columbus, Ohio car insurance prices for Hyundai, Chrysler, Nissan , and more.

*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on October 7, 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 October 7, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on October 7, 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 October 7, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated October 7, 2024

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Car insurance in Columbus costs $138 per month, which is slightly more than the statewide average of $109 per month but slightly less than the monthly nationwide average of $158.

Ohio's state capital, Columbus is the most populous city in the Buckeye State, and its congested roadways likely contributes to its higher-than-average car insurance rates. 

Here’s what you should know about comparing car insurance quotes and finding a policy with the best rate in Columbus.

Quick Facts
  • Mile Auto, Hugo, and State Farm have the cheapest car insurance in Columbus.

  • Liability insurance in Columbus costs an average of $92 per month, and full coverage costs $184 per month.

  • Columbus accounted for about 65% of all traffic accidents in Franklin County in 2022, according to Ohio Department of Public Safety data.

3 of the cheapest car insurance companies in Columbus

Car insurance rates vary widely in Columbus. Your rates will depend on your unique situation and coverage needs, but the three insurers below are a good place to start your search.

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
State Farm9.3$69$38Teen drivers
Erie9.0$80$44Drivers with a speeding ticket
Auto-Owners8.5$80$44Drivers with an Operating Vehicle Impaired (OVI) charge
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.
  • 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 teen drivers: State Farm

User Reviews
4.2
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.
9.3 /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.
$47/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
4.2
Best choiceBased on 8302 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,541)

Pam

October 7, 2024

Verified Review

State Farm's High Rates for Seniors

For my vehicle, which is a 2004 model, and considering my age (70), plus my accident-free record and lack of tickets, there are no benefits for seniors. State Farm's rates are ridiculously high. I also have my home insurance with them. It was difficult to get information when I added two riders; I had to jump through hoops.

Enes

October 7, 2024

Verified Review

Too High Rate

The rate is too high.

Charles

October 7, 2024

Verified Review

Very Satisfied

I am very satisfied so far.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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 largest U.S. car insurance company by market share, State Farm has competitive rates for teen drivers. Plus, the company offers teen-friendly ways to save such as good student, driver training, student away at school, and safe driving discounts.

Pros
  • Multiple discounts for teen drivers

  • Savings of up to 17% through bundling auto with home, life, or other insurance

Cons
  • Low ratings in customer review

  • Limited customer service options

Best insurer for drivers with a speeding ticket: Erie

User Reviews
4.1
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.
9.0 /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.
$54/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.
$99/mo
4.1
Best choiceBased on 218 verified guest reviews and ratings
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
How drivers feel about Erie Insurance

Drivers appreciate the excellent customer service, fair pricing, and responsive assistance. However, some are unhappy with unexpected rate increases and policy cancellations.

AI-generated from the text of verified reviews collected by Insurify
Best For
High customer satisfaction
Competitive rates
Optional coverages
Reviews (112)

Donna

October 7, 2024

Verified Review

Heads up

Be prepared for them to deduct your money early if you're on an automatic deduction plan.

David

October 4, 2024

Verified Review

Excellent when needed

Great pricing and super handling when needed.

Marcia

October 1, 2024

Verified Review

Disappointed with Service

I was a big fan of Erie and my agent, Lisa Brady, until they dropped me when I needed them. I still hold Lisa in high regard.
See all Erie Insurance reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49
A.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

Erie, a Pennsylvania-based regional insurer, offers some unique options you won’t find with many other insurance companies. For example, your liability insurance protects your pets while riding in your car, and you can enhance your auto policy for $35 per year or less. And, Erie's Rate Lock offering not only forgives your first accident, it can hold your rate steady even after a moving violation like a speeding ticket.

Pros
  • Good coverage options

  • Insures recreational and off-road vehicles

Cons
  • Customer service available by phone during business hours only

  • No online claims submission

Best insurer for drivers with an OVI: Auto-Owners

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.
8.5 /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.
$54/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.
$99/mo
4.0
Best choiceBased on 125 verified guest reviews and ratings
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (78)

Mary

September 30, 2024

Verified Review

Premium Too High

I had them for only 6 months. I went from paying $162 to $638. I added a new car and a new driver. I understood there would be an increase, but not such a big one.

Charles

September 28, 2024

Verified Review

Auto Owners Insurance

This is a good company. However, their rates have become too expensive.

Eddie

September 23, 2024

Verified Review

Agency is Great

They're great, except the rates have skyrocketed lately.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.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

Auto-Owners consistently offers some of the lowest car insurance rates in every state where it operates. So drivers facing higher rates after an OVI conviction may find a good deal from the regional insurer. Auto-Owners will also file an SR-22 certificate of financial responsibility with the state DMV. Drivers with OVIs typically have to file SR-22s for a few years, and not every insurer offers this service.

Pros
  • Will file an SR-22 on your behalf if needed

  • Consistently lower rates than many competitors

Cons
  • Must contact an independent agent to get a price quote

  • No online claims submission

How to get the cheapest car insurance in Columbus

“Every driver would benefit from an insurance review from a local insurance agent to determine the appropriate coverage limits for them,” says Eric Fisher, agent and owner of Outdoor AdvINSURE, an Ohio insurance brokerage.

You should also consider how factors like your credit history, driving record, when and where you drive, where you keep your car, and the car itself affect your rates.[1]

Next, compare quotes from a few different Columbus insurance companies. Rates can vary widely among insurers. While insurers generally consider the same rating factors, each has its own proprietary underwriting process.

Here are some ways to save money and lower your premiums:

  • Increase your deductibles. Raising your collision and comprehensive deductibles (there's no deductible for liability coverage) can help lower your car insurance rate. Just be sure you can afford your deductible in case of an accident.

  • Explore bundling. Buying multiple policies, like auto and home or renters, through the same company can yield a significant discount.

  • Improve your credit. Insurers use information in your credit record to generate a credit-based insurance score. These credit-based scores help insurers estimate your likelihood of filing a claim.

  • Apply for discounts. Insurers offer numerous types of discounts to help drivers lower their car insurance costs. You may qualify for more than one type.

  • Drive safely. Avoid speeding and other risky driving behaviors that increase your chances of getting into an accident.

Find Cheap Car Insurance in Columbus

Liability rates start at $44 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Columbus: Mile Auto

Liability-only car insurance is the minimum coverage most states require. It covers you if you cause an accident that injures passengers, other drivers, or pedestrians or damages their property.[2]

While bodily injury and property damage liability coverage won’t cover your own injuries or property damage in a crash you cause, it protects your assets against lawsuits by the people who suffered injuries or damage. Insurance professionals recommend you buy more than state-minimum liability coverage for a greater level of financial protection in case of an at-fault accident.

Liability insurance in Columbus costs $92 per month, on average. The companies listed below offer the cheapest car insurance policies for drivers looking for liability-only coverage in Columbus.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$44
Hugo$47
State Farm$47
Auto-Owners$54
Erie$54
GEICO$59
USAA$61
Safeco$63
American Family$68
Midvale Home & Auto$69
Clearcover$70
Nationwide$70
Elephant$71
Progressive$77
The General$87
Commonwealth Casualty$90
Liberty Mutual$92
Dairyland$94
Direct Auto$99
National General$103
Allstate$104
CSAA$108
GAINSCO$110
Travelers$111
Farmers$115
Root$134
Bristol West$138
State Auto$159
Foremost$169
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: Mile Auto

Full-coverage car insurance means you have liability coverage as well as physical damage coverage for your vehicle. It includes collision and comprehensive coverages for damage from both collision and noncollision events.[2]

“A driver who finances a vehicle or has a lease must carry physical damage coverage on their vehicle,” says Fisher. “Otherwise, the coverage is optional.”

Columbus drivers pay a monthly average of $184 for full coverage-insurance. The following companies offer some of the cheapest average quotes available for full coverage.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Average Monthly Quote
Mile Auto$65
State Farm$85
Auto-Owners$99
Erie$99
Elephant$100
Safeco$103
GEICO$108
USAA$110
Midvale Home & Auto$117
Clearcover$120
American Family$122
Nationwide$127
Progressive$140
Liberty Mutual$169
Hugo$172
National General$174
Direct Auto$176
The General$183
Allstate$188
CSAA$191
Travelers$203
Root$206
Farmers$209
GAINSCO$211
Commonwealth Casualty$223
State Auto$226
Dairyland$254
Bristol West$304
Foremost$379
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, Ohio

Recent Columbus, Ohio car insurance prices for Chrysler, Chevrolet, Ford , and more.

*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on October 7, 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 October 7, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on October 7, 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 October 7, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Ohio

Ohio is a tort state, which means the insurer for the person at fault in an accident pays for the resulting damages. Ohio car insurance laws mandate the types and amount of insurance you must carry.[3]

Coverage
Minimum Requirements
Bodily injury liability$25,000 for the injury/death of one individual / $50,000 for the injury/death of two or more individuals
Property damage liability$25,000 per accident

Minimum insurance requirements don’t always provide enough coverage to protect a driver fully.

A person could have state-minimum liability coverage along with physical damage coverage and have full coverage, when in fact they have very poor coverage because of their low liability limits,” says Fisher.

It's usually a good idea to buy more liability coverage than the state requires. And, if you lease or finance your vehicle, your leasing company or lender will require you to buy full-coverage car insurance. The following optional coverages can provide even greater financial protection:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist insurance covers your injuries if you’re in an accident caused by a driver who doesn’t have liability coverage or doesn’t have enough liability coverage. This coverage can also pay for damages from a hit-and-run accident.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    MedPay covers medical expenses for you and your passengers, up to certain limits, for injuries you suffer in an accident, regardless of who’s at fault.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance covers you if your car breaks down on the side of the road and you need assistance for a flat tire, dead battery, run out of gas, or need towing services.

  • illustration card https://a.storyblok.com/f/162273/100x100/31bb162db0/accident-forgiveness.svg

    Accident forgiveness

    An at-fault accident can increase your car insurance rates by 26% or more upon policy renewal, Insurify data shows. But if you buy accident forgiveness coverage before something happens, your rates won't increase following your first accident.

  • illustration card https://a.storyblok.com/f/162273/150x150/f2122c3094/car-and-driving-96x96-orange_002-new-car.svg

    Gap insurance

    Cars depreciate quickly, so it's possible to owe more on a vehicle lease or loan than the car is actually worth. If you total your car, your claim payout may not be enough to cover your loan or lease balance. Gap insurance covers the difference between your claims payout and outstanding balance.

Cheapest car insurance for drivers with an incident

An incident is an event that might affect your car insurance price. It could mean an at-fault accident, but not always. Moving violations, such as speeding tickets and OVIs, also affect your premiums because they indicate to the insurer that you’re more likely to file a claim.

Find Car Insurance in Columbus, Ohio

Monthly rates start at $44 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Speeding was a contributing factor in 29% of all traffic fatalities in 2021, according to data from the National Highway Traffic Safety Administration.[4] Insurance companies raise prices for several years for drivers who have been caught speeding, but you can still get a good quote.

Columbus drivers with a speeding ticket pay $136 per month for liability coverage and $273 per month for full coverage. In the table below, you can see how liability-only rates compare for drivers with a clean record and drivers with speeding tickets.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo$47$62
State Farm$47$62
Auto-Owners$54$72
Erie$54$74
GEICO$59$79
USAA$61$81
Safeco$63$85
American Family$68$91
Clearcover$70$95
Nationwide$70$94
Elephant$71$102
Progressive$77$102
The General$87$117
Commonwealth Casualty$90$129
Liberty Mutual$92$132
Dairyland$94$126
Direct Auto$99$132
National General$103$138
Allstate$104$138
CSAA$108$147
GAINSCO$110$158
Travelers$111$149
Farmers$115$152
Root$134$190
Bristol West$138$184
State Auto$159$230
Foremost$169$243
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: Mile Auto

Any kind of accident can result in a rate increase, but at-fault accidents have the strongest effect on your premiums. Liability insurance for Columbus drivers with an accident on their record costs $138 per month, on average.

The following insurers offer the lowest liability-only quotes for drivers with accidents on their driving record.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Hugo$47$69
State Farm$47$64
Auto-Owners$54$75
Erie$54$76
GEICO$59$81
USAA$61$84
Safeco$63$85
American Family$68$94
Clearcover$70$103
Nationwide$70$97
Elephant$71$96
Progressive$77$107
The General$87$122
Commonwealth Casualty$90$121
Liberty Mutual$92$136
Dairyland$94$129
Direct Auto$99$139
National General$103$143
Allstate$104$143
CSAA$108$155
GAINSCO$110$145
Travelers$111$154
Farmers$115$158
Root$134$197
Bristol West$138$189
State Auto$159$239
Foremost$169$249
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 OVI: State Farm

Of all the incidents likely to increase your car insurance costs, OVIs typically have the most effect.[5] An OVI typically doubles your premium if you’re insured in Columbus, no matter what company you use. Columbus drivers with an OVI pay an average of $156 per month for minimum coverage. That average increases to $312 per month for full coverage.

The following insurers offer the cheapest minimum-coverage quotes for drivers with OVIs in Columbus.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Hugo$47$79
State Farm$47$79
Auto-Owners$54$90
Erie$54$90
GEICO$59$99
USAA$61$102
Safeco$63$105
American Family$68$114
Clearcover$70$117
Nationwide$70$117
Elephant$71$119
Progressive$77$129
The General$87$146
Commonwealth Casualty$90$151
Liberty Mutual$92$154
Dairyland$94$157
Direct Auto$99$166
National General$103$172
Allstate$104$174
CSAA$108$181
GAINSCO$110$184
Travelers$111$186
Farmers$115$192
Root$134$224
Bristol West$138$231
State Auto$159$266
Foremost$169$283
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.
Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

Cheapest car insurance for seniors: Mile Auto

Conventional wisdom says young drivers are riskier drivers, and that’s true, to a point. Teens pay higher premiums than other age groups, but rates generally decrease around age 25. But prices begin to climb again once a driver reaches age 70 due to higher accident risks for seniors. Still, senior drivers pay less than the average driver, according to Insurify data.

Senior drivers in Columbus pay an average of $63 per month for liability insurance. Explore rates for senior drivers in the table below.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Mile Auto$30$45
State Farm$33$60
Hugo$34$124
Erie$37$68
Auto-Owners$39$71
GEICO$43$78
USAA$44$80
Nationwide$47$86
American Family$48$87
Safeco$48$79
Progressive$50$90
Clearcover$53$91
Elephant$53$74
Commonwealth Casualty$65$162
The General$65$136
Dairyland$68$185
Direct Auto$70$125
Liberty Mutual$70$129
National General$72$121
Allstate$76$138
CSAA$76$134
Travelers$79$145
Farmers$82$148
GAINSCO$84$162
Bristol West$101$222
Root$102$156
State Auto$110$156
Foremost$122$274
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: Hugo

Teen drivers pay higher car insurance rates than other age groups, with premiums 45% to 50% higher than average in Columbus. Their lack of experience behind the wheel and high accident rates make them riskier for insurance companies to insure, which leads higher prices.

Teen drivers in Columbus pay monthly averages of $171 for liability coverage and $341 for full coverage.

Despite the higher averages, insurance companies provide teens with various ways to reduce their costs, including staying on their parents’ insurance policies, driving an inexpensive car, and keeping their grades up to earn a good student discount.[6] Keep in mind that drivers younger than 18 can't legally buy their own policies without the written consent of a parent or guardian.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Hugo$79$291
State Farm$83$150
Mile Auto$88$130
Erie$94$172
Auto-Owners$95$173
GEICO$97$177
USAA$105$190
Elephant$120$169
American Family$122$218
Nationwide$125$226
Safeco$129$211
Clearcover$138$237
Progressive$141$257
The General$144$302
Dairyland$159$431
Commonwealth Casualty$162$403
Liberty Mutual$168$309
CSAA$181$320
Direct Auto$186$330
Allstate$189$342
GAINSCO$198$380
Travelers$206$377
Farmers$208$378
National General$209$352
Root$210$322
Bristol West$241$531
State Auto$291$414
Foremost$310$695
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

Ohio insurance companies can use your credit information to generate a credit-based insurance score that estimates your risk of filing a claim. Credit is just one of many factors insurers use when evaluating how risky you are to insure.[7]

As you can see in the chart below, higher credit scores correlate with lower premiums, while drivers with bad credit scores typically pay higher premiums.

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?

Location is a major factor in how much you pay for insurance. Premiums vary from one ZIP code to the next, based on vehicle crime and accident rates, for example.

Columbus drivers pay more than the national average for car insurance. And they pay more than residents of most other Ohio cities Insurify looked at — Canton in particular. But you’ll pay less in Columbus than if you lived in Toledo.

More cities in Ohio

Here’s a look at the average monthly quotes for popular cities in Ohio and how they compare to Columbus’s average.

City
Full Coverage
Liability Only
Canton$147$74
Cincinnati$180$85
Cleveland$184$90
Dayton$167$78
Hamilton$165$82
Toledo$192$94
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.
Check Out: Car Insurance Rates by State

Check Out: Car Insurance Rates by State

Columbus car insurance FAQs

Finding the right car insurance coverage can be difficult. Check out the answers to some frequently asked questions about car insurance in Columbus.

  • How much is car insurance in Columbus?

    The overall average cost of car insurance in Columbus is $138 per month. Drivers pay $92 per month for liability-only coverage and $184 per month for a full-coverage policy. Your rates ultimately depend on your driving record, credit history, marital status, age, location, and more.

  • Which company has the cheapest car insurance in Columbus?

    Mile Auto has the cheapest car insurance in Columbus, with monthly liability rates as low as $44. Hugo and State Farm also offer affordable coverage, with respective monthly liability rates of $47 and $47.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Columbus?

    State Farm is the best car insurance company in Columbus, with an IQ Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by Erie, with an IQ Score of 8.5 and an AM Best financial strength rating of A+ (Superior).

  • What factors affect the cost of car insurance in Columbus?

    Like in any city, factors like your ZIP code, driving record, age, credit record, and more affect the cost of car insurance in Columbus. Be sure to drive safely, keep your driving record clean, and maintain a good credit score to keep your auto insurance rates low. If you want to lower your rates further, shop around for car insurance and apply for discounts.

  • How much car insurance do you need in Ohio?

    Ohio’s liability insurance requirements are at least $25,000 per person and $50,000 per accident in bodily injury liability, along with $25,000 per accident in property damage liability. Ohio drivers must also purchase uninsured motorist coverage with coverage levels equal to the minimum liability limits.

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. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. NOLO. "Types of Car Insurance Coverage."
  3. Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
  4. National Highway Traffic Safety Administration. "Speeding."
  5. NOLO. "DUI-Related Accidents and Car Insurance."
  6. Insurance Information Institute. "Auto insurance for teen drivers."
  7. Ohio Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts."
Daria Kelly Uhlig
Daria Kelly Uhlig

Daria Uhlig is a freelance writer and editor with over a decade of experience creating personal finance content. Her work appears on USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, GOBankingRates and AOL. As a licensed Realtor and resort property manager, she specializes in real estate topics, including landlord, homeowners and renters insurance. In her spare time, Daria can be found photographing people and places on Maryland's Eastern Shore. Connect with her on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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