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.

Daria Kelly Uhlig
Daria Kelly Uhlig
  • Licensed Realtor with 10+ years in personal finance content

  • Contributor to Nasdaq and USA Today

Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.

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Danny Smith
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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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Updated May 29, 2024

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Cheapest recent rates near Columbus, Ohio

Drivers using Insurify have found quotes as cheap as $31/mo for liability only and $43/mo for full coverage in Columbus and other Ohio cities.

*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance in Columbus costs $140 per month, which is slightly more than the statewide average of $115 per month but slightly less than the monthly nationwide average of $160.

Columbus is the most populous city in Ohio, which likely contributes to its higher 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 $89 per month, and full coverage costs $192 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm4.6$71$39Teen drivers
Erie4.6$83$45Drivers with a speeding ticket
Auto-Owners4.3$83$45Drivers with a DUI
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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.
4.6
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.
$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.
$86/mo

State Farm is America’s largest insurance company, with 7.9 million policies and operations in 49 states.

Pros
  • Large discounts for young 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

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for drivers with a speeding ticket: Erie

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.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
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.
$55/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.
$101/mo

Erie 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.

Pros
  • Good coverage options

  • Insures recreational and off-road vehicles

Cons
  • Customer service available by phone during business hours only

  • No online claims submission

Read our Erie Insurance review
Lori - May 16, 2024
Verified

Great

The price for full coverage insurance is very good. You can't beat paying only $55 a month.

Rob - May 13, 2024
Verified

So far, beats the rest

Overall, excellent service.

Stephanie - May 13, 2024
Verified

Great if you don’t need them

I was with them for over a decade and they decided not to renew my policy because I used my roadside assistance twice a year.

Best insurer for drivers with a DUI: 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.
4.3
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.
$55/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.
$101/mo

Auto-Owners provides insurance to almost 3 million people in 26 states. It’s a Fortune 500 company with an A++ (Superior) financial strength rating from AM Best.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Many ways to earn discounts

Cons
  • Must contact an agent to get a price quote

  • No online claims submission

Read our Auto-Owners review
Xenophon - May 27, 2024
Verified

Very Professional

The service provided was very professional.

James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

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 score, 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. Rate trends might be consistent from one company to the next, but the rates themselves vary widely.

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

  • Increase your deductible.

  • Purchase multiple policies from the same insurance company.

  • Improve your credit score.

  • Apply for discounts.

  • Avoid speeding and other risky driving behaviors.

Find Cheap Car Insurance in Columbus

Liability rates start at $44 per month

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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.

Liability insurance in Columbus costs $89 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto44
Hugo47
State Farm47
Auto-Owners55
Erie55
GEICO60
Safeco60
USAA61
American Family68
Midvale Home & Auto68
Clearcover69
Elephant71
Nationwide71
Progressive78
Commonwealth Casualty89
Liberty Mutual89
The General90
National General93
Dairyland95
Direct Auto103
Allstate105
GAINSCO106
CSAA110
Travelers113
Farmers116
State Auto130
Root135
Bristol West149
Foremost167
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 $192 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto68
State Farm86
Safeco100
Auto-Owners101
Elephant101
Erie101
GEICO111
Clearcover112
USAA112
Midvale Home & Auto121
American Family125
Nationwide129
Progressive144
Hugo152
Liberty Mutual166
National General174
Direct Auto183
Allstate191
The General191
CSAA197
GAINSCO197
Root207
Travelers207
Farmers213
Commonwealth Casualty214
State Auto229
Dairyland254
Bristol West315
Foremost364
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 Much Other Insurify Customers Pay in and around Columbus, Ohio

Drivers in and around Columbus, Ohio have found policies from Direct Auto, Mile Auto, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 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]

CoverageMinimum 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.

Optional auto insurance coverage can help fill those gaps. Consider purchasing the following coverages in addition to liability coverage:

  • 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.

  • 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 or towing services.

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 DUIs, 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

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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 drivers who have been caught speeding, but you can still get a good quote.

Columbus drivers with a speeding ticket pay $132 per month for liability coverage and $284 per month for full coverage. In the table below, you can see how rates compare for drivers with a clean record and drivers with speeding tickets.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo4766
State Farm4762
Auto-Owners5573
Erie5574
GEICO6079
Safeco6081
USAA6181
American Family6890
Midvale Home & Auto6893
Clearcover6992
Elephant71103
Nationwide7195
Progressive78103
Commonwealth Casualty89130
Liberty Mutual89130
The General90120
National General93135
Dairyland95126
Direct Auto103138
Allstate105139
GAINSCO106154
CSAA110149
Travelers113151
Farmers116152
State Auto130186
Root135189
Bristol West149195
Foremost167243
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: Hugo

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 $135 per month, on average.

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

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo4763
State Farm4764
Auto-Owners5575
Erie5577
GEICO6083
Safeco6080
USAA6184
American Family6893
Midvale Home & Auto6898
Clearcover69101
Elephant7196
Nationwide7198
Progressive78109
Commonwealth Casualty89121
Liberty Mutual89133
The General90126
National General93127
Dairyland95130
Direct Auto103145
Allstate105144
GAINSCO106141
CSAA110158
Travelers113156
Farmers116158
State Auto130196
Root135196
Bristol West149201
Foremost167250
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: Hugo

Of all the incidents likely to increase your car insurance costs, DUIs typically have the most effect.[5] A DUI typically doubles your premium if you’re insured in Columbus, no matter what company you use. Columbus drivers with a DUI pay an average of $152 per month for minimum coverage. That average increases to $329 per month for full coverage.

The following insurers offer the cheapest quotes for drivers with DUIs in Columbus.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo4780
State Farm4780
Auto-Owners5593
Erie5593
GEICO60102
Safeco60102
USAA61103
American Family68115
Midvale Home & Auto68115
Clearcover69117
Elephant71120
Nationwide71120
Progressive78132
Commonwealth Casualty89151
Liberty Mutual89151
The General90153
National General93158
Dairyland95161
Direct Auto103175
Allstate105178
GAINSCO106180
CSAA110187
Travelers113192
Farmers116197
State Auto130220
Root135229
Bristol West149253
Foremost167283
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: Hugo

Conventional wisdom says young drivers are riskier drivers, and that’s true, to a point. Teens pay high premiums that gradually decrease until about age 35. But prices begin to climb again once a driver reaches age 70. Still, senior drivers pay less than the average driver, according to Insurify data.

Senior drivers in Columbus pay an average of $59 per month for liability insurance. Explore rates for senior drivers in the table below.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Hugo3096
Mile Auto3046
State Farm3259
Erie3667
Auto-Owners3971
GEICO4379
Safeco4372
USAA4380
Midvale Home & Auto4682
American Family4787
Nationwide4786
Clearcover4980
Progressive4991
Elephant5071
Commonwealth Casualty63151
Liberty Mutual63117
The General66140
National General67125
Dairyland68182
Direct Auto71125
Allstate75137
CSAA77138
GAINSCO77144
Travelers79145
Farmers80148
State Auto89157
Root100153
Bristol West107226
Foremost116253
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: State Farm

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

Teen drivers in Columbus pay monthly averages of $156 for liability coverage and $337 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]

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm79144
Hugo81262
Mile Auto84130
Erie91168
Auto-Owners93172
GEICO93172
USAA100183
Elephant116165
Midvale Home & Auto117208
American Family118216
Nationwide120217
Safeco124207
Clearcover132215
Progressive139257
The General144305
Commonwealth Casualty156375
Dairyland157420
Liberty Mutual164305
National General171320
CSAA178319
Allstate181330
Direct Auto186330
GAINSCO187348
Travelers201368
Farmers202370
Root204312
State Auto227400
Bristol West250529
Foremost292636
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 doesn’t allow insurance companies to use credit-based insurance scores as the sole factor in setting premiums. But they can use credit as one of the factors 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 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.

CityFull CoverageLiability Only
Canton$148$71
Cincinnati$183$85
Dayton$172$76
Hamilton$168$82
Toledo$199$91
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 $140 per month. Drivers pay $89 per month for liability-only coverage and $192 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 4.6 out of 5 and an AM Best financial strength rating of A++ (Superior). It’s followed closely by Erie, with an IQ Score of 4.3 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 score, 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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