Cheapest Auto Insurance in Columbus, Georgia (2024)
Auto-Owners offers the cheapest car insurance in Columbus, with minimum-coverage policies as low as $57 per month.
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Reviewed byDaniel Roccato
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Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated November 21, 2024
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Table of contents
With full-coverage car insurance averaging $246 per month, Columbus drivers pay less for coverage than the Georgia state average of $244. But the city’s average rates are still higher than the national average for full coverage.
Georgia tends to have higher overall car insurance costs for multiple reasons, including a comparatively high fatality rate, exposure to severe coastal weather, and multiple cities with more than 100,000 residents. Columbus is the third-largest city in Georgia, but had fewer accidents in 2022 (6,802) compared to other big cities like Atlanta (35,768) or Savannah (8,233), according to Georgia Department of Transportation data.[1]
The exact amount you pay for car insurance coverage in Columbus will depend on multiple factors, including your age, gender, driving record, credit, and more. Comparing quotes from multiple car insurance companies is the best way to find the coverage you need at an affordable price.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial are the cheapest car insurance companies for Columbus drivers.
Columbus is the third-largest city in Georgia, with a population of 202,616.[2]
Drivers in Columbus pay an average of $146 per month for liability-only coverage.
3 of the cheapest car insurance companies in Columbus
The auto insurance policy that’s best for you will depend on your individual situation, such as your age, location, credit history, and driving record, which is why it’s important to shop around. Comparing multiple insurance companies will help you determine what you’re looking for.
Here’s an overview of three of the best insurance companies for Columbus drivers.
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 ▲▼ |
|---|---|---|---|---|
| Hugo | 7.0 | N/A | $273 | Low-mileage drivers |
| Auto-Owners | 8.5 | $93 | $58 | Newer vehicles |
| State Farm | 9.3 | $100 | $63 | Teen drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low-mileage drivers: Hugo
| 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. | 7.0 /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. | $273/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
Hugo launched in 2021 and is currently the only insurance company offering on-demand car insurance. Drivers can open a Hugo account without paying a down payment up front. Drivers can choose a policy term of three, seven, 14, or 30 days, or six months, and policyholders can pay smaller amounts more frequently instead of all at once. Drivers also receive instant proof of insurance. Hugo currently only offers state-minimum liability coverage in 13 states. J.D. Power and AM Best have not yet evaluated Hugo’s customer satisfaction or financial strength.
Pros
Short-term policies
No up-front down payment required
Flexible, pay-as-you-go insurance
Cons
Only available in 13 states
Doesn’t offer collision or comprehensive coverage
No discounts available
Best insurer for newer vehicles: 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. | $57/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. | $92/mo |
4.0
Best choiceBased on 141 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 (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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 is the cheapest overall auto insurance option for Columbus drivers and the best option for anyone with a new or classic vehicle. The company offers specialized insurance for classic cars and diminished-value protection.
Pros
AM Best financial strength rating of A++ (Superior)
Protects drivers with newer or more expensive vehicles
Cons
Below-average J.D. Power customer satisfaction rating in the Southeast region
Online quotes not available
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. | $61/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 |
4.2
Best choiceBased on 9037 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 (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
State Farm is known for its excellent customer service and generous discounts. Teen drivers can save up to 25% by purchasing a State Farm policy, and the savings will last until they turn 25.
Pros
Above-average J.D. Power customer satisfaction rating in the Southeast region
One of the cheapest options in Columbus for teen drivers
Cons
Gap insurance not available
Must finalize quote with an agent
How to get the cheapest car insurance in Columbus
Insurance companies look at your driving record, ZIP code, gender, age, and marital status when considering you for insurance coverage.[3] Here are five ways you can find cheap auto insurance in Columbus:
Choose a car with safety features. Most insurance companies will give you a discount if your vehicle has certain safety features, like anti-lock brakes or an alarm system.
Take advantage of discounts. Most insurance companies offer discounts you can take advantage of. For example, you can receive a multi-policy discount by buying your auto and homeowners insurance from the same company. Or, if you have more than one vehicle to insure, you may be able to get a multi-vehicle discount.
Spend less time driving. Drivers who spend more time on the road are at higher risk of getting in an accident. So if you work from home instead of commuting to the office, you may qualify for a low-mileage discount.
Raise your deductible. You’ll pay an out-of-pocket deductible before your insurance company pays out on an insurance claim. Raising your deductible even by a few hundred dollars can help you find affordable car insurance.
Shop around for insurance. The best way to save money on insurance is by receiving quotes from at least three companies. From there, you can see which company offers you the lowest prices and best overall coverage.
Cheapest liability-only car insurance in Columbus: Auto-Owners
Liability-only car insurance covers any damages and medical bills for others if you’re found at fault in an accident. State law requires all Georgia drivers to carry liability insurance that meets the minimum limits.
But you may want to purchase additional coverage since liability insurance won’t cover any damages to your vehicle. It’s important to consider your ability to cover potential out-of-pocket expenses before choosing liability-only coverage. And if you have an auto loan or lease, your lender or leasing company will require you to buy full coverage.
The average cost of liability-only coverage in Columbus is $146 per month. Here are the cheapest liability-only policies in Columbus:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $57 |
| State Farm | $61 |
| COUNTRY Financial | $62 |
| Allstate | $67 |
| USAA | $72 |
| Mile Auto | $75 |
| Progressive | $90 |
| Safeco | $97 |
| GEICO | $100 |
| Mercury | $109 |
| Clearcover | $128 |
| Liberty Mutual | $141 |
| Nationwide | $148 |
| Direct Auto | $149 |
| GAINSCO | $157 |
| AssuranceAmerica | $168 |
| National General | $181 |
| The General | $217 |
| Infinity | $218 |
| Bristol West | $219 |
| Foremost | $246 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Columbus: Auto-Owners
If you have full-coverage auto insurance, that means you have liability, collision, and comprehensive insurance. Liability insurance is required in Georgia, but collision and comprehensive insurance are optional add-ons.[4]
You’ll pay more for full coverage, but the extra financial protection may justify the higher costs. Collision insurance will protect you if you get into an accident with another vehicle. Comprehensive insurance protects you from non-collision losses, such as theft, vandalism, or fire.
On average, Columbus drivers pay $246 per month for full coverage. Here are the cheapest full-coverage car insurance options in Columbus:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $92 |
| State Farm | $99 |
| COUNTRY Financial | $100 |
| Allstate | $108 |
| USAA | $116 |
| Mile Auto | $128 |
| Safeco | $150 |
| Progressive | $160 |
| GEICO | $160 |
| Mercury | $178 |
| Clearcover | $229 |
| Nationwide | $240 |
| Liberty Mutual | $249 |
| Direct Auto | $255 |
| National General | $272 |
| AssuranceAmerica | $285 |
| GAINSCO | $312 |
| Foremost | $320 |
| The General | $370 |
| Infinity | $388 |
| Bristol West | $415 |
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, Georgia
Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $65/mo for full coverage in Columbus and other Georgia cities.
*Quotes generated for Insurify users in and around Columbus, Georgia within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Columbus, Georgia within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Georgia
Here are the minimum insurance requirements you’ll need to drive legally in Georgia:[4]
Bodily injury liability
$25,000 per person and $50,000 per incident
Property damage liability
$25,000 per incident
You also have the option to purchase the following add-on policies:
Physical damages coverage
Physical damages insurance pays for damages to your car, and it includes comprehensive and collision coverage. These coverages will protect you from theft, vandalism, and vehicle collisions.
Uninsured motorist coverage
This coverage will protect you if you’re involved in an accident with a driver who doesn’t have insurance.
Cheapest car insurance for drivers with an incident
You can expect your car insurance rates to go up if you’re involved in a driving-related incident. This includes receiving a speeding ticket, driving under the influence, or being involved in an at-fault accident.
Fortunately, you have ways to save on auto insurance after an incident. Many companies offer accident forgiveness, which means your car insurance won’t go up after your first accident. But the exact conditions will vary depending on your insurer.
Find Car Insurance in Columbus, Georgia
Monthly rates start at $71 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding is often a factor in traffic accidents, so insurers view drivers with speeding tickets as riskier to insure. The more tickets you have, the more your insurance rates will go up. But you may be able to save money by taking a defensive driving course and keeping a clean record.
In Columbus, drivers with speeding tickets face average monthly car insurance rates of $344 for full coverage and $204 for liability-only policies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $57 | $75 |
| State Farm | $61 | $78 |
| COUNTRY Financial | $62 | $83 |
| Allstate | $67 | $87 |
| USAA | $72 | $93 |
| Mile Auto | $75 | $98 |
| Progressive | $90 | $116 |
| Safeco | $97 | $128 |
| GEICO | $100 | $130 |
| Mercury | $109 | $151 |
| Clearcover | $128 | $167 |
| Liberty Mutual | $141 | $197 |
| Nationwide | $148 | $194 |
| Direct Auto | $149 | $193 |
| GAINSCO | $157 | $219 |
| AssuranceAmerica | $168 | $217 |
| National General | $181 | $236 |
| The General | $217 | $287 |
| Infinity | $218 | $292 |
| Bristol West | $219 | $286 |
| Foremost | $246 | $343 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
At-fault accidents will cause your premiums to go up, though the extent will depend on the severity of the accident. It’ll also depend on whether it’s your first accident or if you have a history of at-fault accidents.
At-fault accidents push average monthly car insurance rates to $362 for full coverage and $215 for liability-only policies in Columbus. See monthly rates for drivers with an at-fault accident in Columbus below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $57 | $79 |
| State Farm | $61 | $83 |
| COUNTRY Financial | $62 | $89 |
| Allstate | $67 | $92 |
| USAA | $72 | $99 |
| Mile Auto | $75 | $105 |
| Progressive | $90 | $124 |
| Safeco | $97 | $132 |
| GEICO | $100 | $138 |
| Mercury | $109 | $160 |
| Clearcover | $128 | $189 |
| Liberty Mutual | $141 | $206 |
| Nationwide | $148 | $205 |
| Direct Auto | $149 | $209 |
| GAINSCO | $157 | $206 |
| AssuranceAmerica | $168 | $226 |
| National General | $181 | $248 |
| The General | $217 | $303 |
| Infinity | $218 | $293 |
| Bristol West | $219 | $300 |
| Foremost | $246 | $359 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence (DUI) is one of the most serious moving violations you can receive. In some cases, you could see your insurance premiums double or even triple after a DUI. If this isn’t your first offense, your insurance company could even choose to drop you as a customer.
Columbus drivers with DUI convictions pay some of the highest average car insurance rates in the city, at $412 per month for full coverage and $244 for liability only.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $57 | $95 |
| State Farm | $61 | $101 |
| COUNTRY Financial | $62 | $103 |
| Allstate | $67 | $111 |
| USAA | $72 | $120 |
| Mile Auto | $75 | $125 |
| Progressive | $90 | $149 |
| Safeco | $97 | $149 |
| GEICO | $100 | $166 |
| Mercury | $109 | $167 |
| Clearcover | $128 | $213 |
| Liberty Mutual | $141 | $234 |
| Nationwide | $148 | $246 |
| Direct Auto | $149 | $247 |
| GAINSCO | $157 | $261 |
| AssuranceAmerica | $168 | $279 |
| National General | $181 | $301 |
| The General | $217 | $360 |
| Infinity | $218 | $362 |
| Bristol West | $219 | $364 |
| Foremost | $246 | $409 |
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 seniors: Auto-Owners
Seniors tend to pay higher rates for auto insurance. Rates start to decrease around age 35, but they begin to creep up again around age 70. Older drivers are at a higher risk of being involved in an accident. Seniors are more prone to serious injuries from car accidents, as well.
Senior drivers can save on car insurance costs by completing an approved defensive driving course or opting for pay-per-mile insurance if they no longer drive frequently. In Columbus, car insurance for seniors costs $194 per month for full coverage and $115 for liability-only insurance, on average.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $71 | $44 |
| State Farm | $75 | $46 |
| COUNTRY Financial | $79 | $49 |
| Allstate | $84 | $52 |
| USAA | $90 | $56 |
| Mile Auto | $94 | $55 |
| Progressive | $112 | $63 |
| GEICO | $124 | $78 |
| Safeco | $125 | $81 |
| Mercury | $137 | $84 |
| Nationwide | $175 | $108 |
| Clearcover | $192 | $108 |
| Direct Auto | $194 | $113 |
| National General | $203 | $135 |
| Liberty Mutual | $204 | $115 |
| AssuranceAmerica | $210 | $124 |
| Foremost | $249 | $192 |
| GAINSCO | $255 | $128 |
| Infinity | $290 | $163 |
| The General | $293 | $172 |
| Bristol West | $324 | $171 |
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: COUNTRY Financial
Motor vehicle crashes are the leading cause of death for U.S. teens, according to the Centers for Disease Control and Prevention.[5] This is largely due to their inexperience behind the wheel. Additional factors, like the presence of other teenagers, distracted driving, or nighttime driving, can increase the likelihood of an accident.
In Columbus, teen drivers pay average monthly rates of $488 for full coverage and $290 for liability only. Fortunately, teens have ways to save on insurance. Look for an insurance company that offers a good student discount, like State Farm. You can also save by buying a safer car and staying on your family insurance plan as long as possible.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| COUNTRY Financial | $158 | $98 |
| Auto-Owners | $168 | $104 |
| State Farm | $184 | $114 |
| Allstate | $208 | $129 |
| USAA | $211 | $131 |
| Mile Auto | $266 | $156 |
| GEICO | $278 | $174 |
| Progressive | $304 | $171 |
| Safeco | $310 | $201 |
| Mercury | $340 | $208 |
| Nationwide | $453 | $280 |
| Clearcover | $454 | $254 |
| Liberty Mutual | $463 | $262 |
| Direct Auto | $503 | $294 |
| AssuranceAmerica | $564 | $333 |
| National General | $575 | $382 |
| GAINSCO | $583 | $293 |
| Foremost | $614 | $472 |
| The General | $640 | $375 |
| Infinity | $752 | $423 |
| Bristol West | $758 | $400 |
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
Georgia is one of many states that allow insurance companies to consider credit history when determining insurance rates.[6]
As you can see from the chart below, drivers with excellent or good credit typically receive far lower rates than drivers with poor credit.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Columbus?
The average cost for full-coverage insurance in Columbus is $246 per month, which is above the national average of $204 per month. But it still falls below the state average of $244 per month.
Many people don’t realize that their ZIP code affects how much they pay for insurance. For example, if you live in an area with higher rates of crime or inclement weather conditions, you can expect to pay more for insurance.
More cities in Georgia
Here’s how Columbus compares to average monthly car insurance rates in other cities in Georgia:
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Atlanta | $295 | $226 |
| Augusta | $234 | $145 |
| Dallas | $253 | $178 |
| Gainesville | $214 | $142 |
| Lawrenceville | $279 | $182 |
| Macon | $306 | $194 |
| Marietta | $251 | $182 |
| Savannah | $259 | $176 |
| Valdosta | $183 | $113 |
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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.
Columbus, Georgia, car insurance FAQs
If you’re shopping for car insurance in Columbus, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.
How much is car insurance in Columbus?
Car insurance in Columbus, Georgia, costs an average of $246 per month for full coverage and $146 per month for liability-only policies, according to Insurify data. Your actual rate can be more or less than the averages, based on your individual rating factors such as age, gender, driving history, credit history, and more.
What are the cheapest car insurance companies in Columbus?
Auto-Owners has the lowest car insurance rates for Columbus drivers, with liability-only coverage starting as low as $57 per month. State Farm and COUNTRY Financial are the second- and third-cheapest insurers in the city, with liability-only rates starting at $61 and $62 per month, respectively.
What are the best car insurance companies in Columbus?
One of the best car insurance companies in Columbus is State Farm. The company has a Superior financial strength rating from AM Best, a high Insurify Quality (IQ) Score, and above-average customer satisfaction ratings.
Other top insurers in Columbus include Auto-Owners, Hugo, and COUNTRY Financial. But you should always shop around and compare quotes from different insurers to make sure you’re finding the best policy for your situation.
What is the minimum car insurance you need in Georgia?
Georgia state law requires drivers to carry $25,000 per person and $50,000 per incident in bodily injury liability, as well as $25,000 per incident in property damage liability. Driving without these minimum requirements can result in fines, jail time, and license suspension.
Is Georgia a no-fault state?
No. Georgia is an at-fault, or tort, state. This means the driver at fault for an accident is responsible for paying for injuries or damages they cause.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Georgia
Sources
- Georgia Department of Transportation. "GDOT Crash Data Dashboard."
- U.S. Census Bureau. "Quick Facts, Columbus city, Georgia."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Georgia.gov. "Auto Insurance."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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