120+ more*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on June 8, 2026. 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 June 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Mile Auto has Columbus’ cheapest liability-only quotes, on average.
Columbus drivers pay about 23% more than the Ohio average for car insurance, according to Insurify data.
Columbus recorded 2,671 vehicle thefts in the first half of 2025, the highest of any Ohio city.
Columbus liability insurance averages $76 per month, and full coverage runs $139 per month, according to Insurify data. Drivers in the city pay an overall average of $108 per month, compared to the average Ohio car insurance cost of $91 per month.
In the smaller city of Springfield, about 40 miles west, auto insurance quotes average $78 per month.
Theft volume and a high number of crashes on Interstate 70 and I-71 keep Columbus above the Ohio insurance average.[1]
Car Insurance Costs in Columbus vs. Ohio  | Average Monthly Quote |
|---|---|
| Columbus average | $108 |
| Ohio average | $91 |
Mile Auto offers the cheapest liability-only car insurance in Columbus, at $42 per month.
Mile Auto has the best rate for full coverage, at $65 per month. Compared to the citywide average cost of full coverage, Mile Auto is much cheaper.
Pay your first week’s premium and get immediate proof of insurance
Downtown driving means juggling garages, surface lots, and limited street parking, with daily parking rates running $5 to $20 or more. The city puts sidewalk snow removal on property owners, but uncleared walks and refrozen ice draw hundreds of complaints each season.[2] Side streets can be slippery, too.
Columbus plows only when snowfall reaches at least 4 inches.
Parts of the city are in Special Flood Hazard Areas mapped by the Federal Emergency Management Agency. Flash floods top Franklin County’s list of weather hazards, and only comprehensive coverage pays out when floodwater totals a car. If you have liability-only coverage, you’ll have to cover the loss out of pocket.
Columbus ranked No. 30 nationwide for vehicle thefts in the first half of 2025. The city reported 2,671 stolen cars, more than any other area in Ohio. Thefts dropped about 14% from the same period in 2024, but the totals are still high enough to keep rates up. Only Dayton had a higher per-capita auto theft rate.
Columbus’ auto insurance rates of $108 per month are some of the most expensive in the state. Springfield is among the cheapest, with a monthly average of $78. Dayton drivers pay an average of $92 per month, a mid-range rate for Ohio.
The 1.5-mile downtown roadway where I-70 and I-71 overlap accounts for 27% of all I-70 and I-71 crashes in Franklin County.[1] Smaller Ohio cities don’t see that level of concentrated risk.
Here’s a look at average monthly quotes for Columbus compared to other Ohio cities.
City | Average Monthly Quote |
|---|---|
| Canton | $84 |
| Cincinnati | $102 |
| Cleveland | $104 |
| Columbus | $108 |
| Dayton | $92 |
| Hamilton | $91 |
| Springfield | $78 |
| Toledo | $104 |
Getting around in Columbus generally isn’t too difficult. Football Saturdays are an exception. Ohio Stadium seats 102,780 fans, making it the fourth-largest on-campus venue in the country, and home games flood the streets around campus with traffic.
Downtown, the state is rebuilding the I-70/I-71 overlap and reducing the number of ramps from 19 to 13. The project should mean less congestion and fewer crashes once it’s done in 2035.
Drivers can check live traffic from the OHGO website and app. It pulls in more than 1,300 cameras statewide, including several in and around Columbus.[3] The city’s cameras are mostly city-run, though, and many don’t save footage drivers might need after a crash.
Columbus drivers looking for minimum coverage can get the cheapest liability-only insurance from Mile Auto. The citywide liability average sits at $76 per month. But remember that liability insurance doesn’t cover repairs to your vehicle after a crash. It only covers the damage you cause. As such, this type of insurance is cheaper than full coverage.
Ohio’s minimum insurance coverage requires 25/50/25 in liability: $25,000 per person and $50,000 per accident for bodily injury liability, plus $25,000 for property damage liability.[4]
Check out the table below for the cheapest liability-only car insurance coverage in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $42 |
| State Farm | $43 |
| Auto-Owners | $50 |
| Erie | $50 |
| Progressive | $50 |
| Commonwealth Casualty | $55 |
| GEICO | $55 |
| USAA | $56 |
| The General | $57 |
| Safeco | $58 |
| Certainly | $59 |
| American Family | $62 |
| Nationwide | $63 |
| Hugo | $64 |
| Trexis | $68 |
| AssuranceAmerica | $69 |
| Trexis One | $72 |
| First Acceptance | $75 |
| Direct Auto | $80 |
| Elephant | $80 |
| GAINSCO | $80 |
| Clearcover | $83 |
| Bristol West | $85 |
| Dairyland | $89 |
| Root | $91 |
| Allstate | $94 |
| National General | $94 |
| Liberty Mutual | $99 |
| Travelers | $102 |
| Farmers | $104 |
| Insurify Car | $129 |
| State Auto | $145 |
Mile Auto offers the most affordable full-coverage car insurance in Columbus, with rates well below the city’s full-coverage average of $139 per month.
Full coverage pays off in the capital more than in many smaller Ohio cities because high vehicle theft volume and city traffic on icy winter roads push comprehensive and collision coverage costs higher. In the event of an accident or stolen vehicle, you’ll pay your deductible before coverage kicks in.
Here are the cheapest full-coverage car insurance companies for drivers in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $65 |
| State Farm | $74 |
| Auto-Owners | $87 |
| Erie | $87 |
| Progressive | $88 |
| Safeco | $93 |
| GEICO | $94 |
| USAA | $96 |
| American Family | $107 |
| Direct Auto | $109 |
| Nationwide | $110 |
| CSAA | $120 |
| Elephant | $121 |
| AssuranceAmerica | $128 |
| Certainly | $132 |
| The General | $133 |
| National General | $135 |
| Commonwealth Casualty | $144 |
| Root | $148 |
| Allstate | $164 |
| Liberty Mutual | $164 |
| Clearcover | $166 |
| Trexis | $166 |
| Travelers | $177 |
| GAINSCO | $180 |
| Farmers | $182 |
| Bristol West | $185 |
| First Acceptance | $201 |
| Dairyland | $202 |
| Trexis One | $202 |
| State Auto | $250 |
*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on June 8, 2026. 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 June 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 4% of Columbus drivers report a traffic ticket, a hair below Ohio’s nearly 6% state average, according to Insurify data.
Under Ohio’s points system, a typical speeding violation adds two points to a driver’s record. Twelve points in any two-year window result in an automatic six-month suspension of a driver’s license.[5]
Mile Auto offers the cheapest car insurance policy after a ticket.
See the data below for the cheapest rates for drivers with a speeding ticket in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $52 |
| State Farm | $56 |
| Progressive | $66 |
| Auto-Owners | $67 |
| Commonwealth Casualty | $67 |
| Erie | $68 |
| GEICO | $74 |
| USAA | $74 |
| Certainly | $78 |
| Safeco | $78 |
| The General | $78 |
| American Family | $82 |
| Nationwide | $84 |
| Hugo | $84 |
| Trexis | $90 |
| AssuranceAmerica | $90 |
| Trexis One | $95 |
| GAINSCO | $99 |
| First Acceptance | $99 |
| Elephant | $99 |
| Direct Auto | $103 |
| Clearcover | $109 |
| Bristol West | $110 |
| Root | $112 |
| Dairyland | $114 |
| National General | $120 |
| Allstate | $125 |
| Liberty Mutual | $129 |
| Travelers | $136 |
| Farmers | $137 |
| Insurify Car | $170 |
| State Auto | $197 |
At-fault accidents show up on nearly 5% of Columbus driving records, according to Insurify data. Those drivers can generally get cheaper car insurance from Mile Auto.
Ohio is an at-fault state, meaning the driver who caused the crash is responsible for covering the damage. The state’s modified comparative negligence rule means you can’t recover anything if you were more than 50% at fault.
Check the table below for the cheapest rates for drivers with an at-fault accident in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $58 |
| State Farm | $59 |
| Auto-Owners | $68 |
| Erie | $69 |
| Progressive | $70 |
| GEICO | $75 |
| Commonwealth Casualty | $75 |
| USAA | $78 |
| The General | $81 |
| Certainly | $83 |
| Safeco | $83 |
| American Family | $86 |
| Nationwide | $88 |
| Hugo | $88 |
| AssuranceAmerica | $95 |
| Trexis | $96 |
| Trexis One | $101 |
| First Acceptance | $105 |
| GAINSCO | $106 |
| Elephant | $108 |
| Direct Auto | $112 |
| Bristol West | $116 |
| Root | $118 |
| Dairyland | $122 |
| Clearcover | $122 |
| National General | $129 |
| Allstate | $130 |
| Liberty Mutual | $136 |
| Travelers | $142 |
| Farmers | $144 |
| Insurify Car | $181 |
| State Auto | $205 |
Ohio law refers to drunk driving as OVI (operating a vehicle under the influence) rather than DUI (driving under the influence). Just less than 1% of Columbus drivers have an OVI, according to Insurify data. That’s good news, as an OVI nearly doubles the average monthly quote drivers may receive.
Liability policies for Columbus drivers with an OVI cost an average of $108 per month, and full-coverage policies average $198 per month.
Here, you can see the cheapest rates for drivers with an OVI in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $60 |
| State Farm | $62 |
| Auto-Owners | $68 |
| Progressive | $71 |
| Erie | $72 |
| Commonwealth Casualty | $77 |
| GEICO | $78 |
| The General | $79 |
| USAA | $80 |
| Certainly | $84 |
| American Family | $85 |
| Safeco | $88 |
| Nationwide | $90 |
| Hugo | $92 |
| Trexis | $97 |
| AssuranceAmerica | $99 |
| Trexis One | $103 |
| First Acceptance | $107 |
| Clearcover | $114 |
| Direct Auto | $115 |
| Elephant | $115 |
| GAINSCO | $115 |
| Bristol West | $122 |
| Dairyland | $128 |
| Root | $131 |
| Allstate | $135 |
| National General | $135 |
| Liberty Mutual | $142 |
| Travelers | $146 |
| Farmers | $149 |
| Insurify Car | $184 |
| State Auto | $200 |
Teen drivers in Columbus can get the best car insurance rates from Mile Auto. Graduated licensing laws in Ohio allow teens to apply for a temporary driving permit at age 15 and six months.[6]
Below are the cheapest rates for teen drivers in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $90 |
| Mile Auto | $93 |
| Erie | $100 |
| Progressive | $106 |
| GEICO | $108 |
| Auto-Owners | $109 |
| The General | $111 |
| Commonwealth Casualty | $112 |
| USAA | $112 |
| Certainly | $125 |
| Safeco | $127 |
| American Family | $127 |
| Hugo | $128 |
| Nationwide | $132 |
| Trexis | $144 |
| Clearcover | $149 |
| Root | $151 |
| Trexis One | $153 |
| AssuranceAmerica | $153 |
| GAINSCO | $154 |
| Elephant | $156 |
| First Acceptance | $159 |
| Bristol West | $164 |
| Direct Auto | $168 |
| Dairyland | $169 |
| Liberty Mutual | $188 |
| Allstate | $200 |
| National General | $202 |
| Farmers | $224 |
| Travelers | $228 |
| Insurify Car | $274 |
| State Auto | $374 |
Liability rates average $76 per month
Full coverage averages $120 per month for senior drivers, while liability coverage costs about $66 per month.
Ohio drivers aged 65 and older must renew their licenses every four years instead of having the eight-year option that younger drivers do.
The table below shows the cheapest rates for senior drivers in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $33 |
| State Farm | $34 |
| Erie | $38 |
| Auto-Owners | $39 |
| Progressive | $43 |
| GEICO | $44 |
| Commonwealth Casualty | $44 |
| USAA | $45 |
| Nationwide | $48 |
| The General | $49 |
| American Family | $50 |
| Safeco | $51 |
| Certainly | $51 |
| AssuranceAmerica | $54 |
| Hugo | $56 |
| Trexis | $59 |
| Trexis One | $62 |
| First Acceptance | $65 |
| Elephant | $65 |
| Direct Auto | $66 |
| GAINSCO | $69 |
| Bristol West | $71 |
| Clearcover | $73 |
| National General | $74 |
| Dairyland | $76 |
| Allstate | $76 |
| Travelers | $82 |
| Liberty Mutual | $82 |
| Farmers | $83 |
| Root | $84 |
| State Auto | $110 |
| Insurify Car | $112 |
Columbus drivers most often ask the following questions when shopping for the right coverage and comparing the cost of car insurance in the area.
Columbus drivers pay an average of $108 per month for car insurance. Car insurance in the capital costs more than the Ohio statewide average of $91 per month.
Mile Auto offers Columbus’ cheapest car insurance. Its liability coverage costs an average of $42 per month. For a full-coverage policy, local drivers can look to Mile Auto for the best price.
The best insurance company for you depends on your driving history and insurance needs. That said, State Farm, GEICO, and Progressive are some of the top auto insurers in Columbus. Mile Auto is the lowest-price insurer, according to Insurify data.
No. GEICO is cheaper than Allstate for Columbus drivers. GEICO averages $68 per month for liability and $122 for full coverage, while Allstate runs $118 for liability and $212 for full coverage.
Yes. Many Columbus insurers offer safe driving, bundling, paperless billing, auto-pay, and good student car insurance discounts. Senior drivers who complete a state-approved accident prevention course can earn up to 15% off.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.