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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Written byDaria Kelly Uhlig
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Licensed Realtor with 10+ years in personal finance content
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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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Edited byDanny Smith
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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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Reviewed byMark Friedlander
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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.
Updated October 30, 2024
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Table of contents
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 Farm | 9.3 | $69 | $38 | Teen drivers |
| Erie | 9.0 | $80 | $44 | Drivers with a speeding ticket |
| Auto-Owners | 8.5 | $80 | $44 | Drivers 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 8831 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 (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
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
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 231 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 (119)
Satina
October 28, 2024
Verified Review
Erie Insurance Unreliable
The service is not good, and they are unclear about some policy benefits like 24-hour towing, which is non-existent but included in the policy.
Lana
October 25, 2024
Verified Review
Expensive but Efficient Company
Erie provides excellent claims service if you ever need it, but their rates are fairly expensive. I've been with them for 55 years.
Shannon
October 19, 2024
Verified Review
Could be Better
I had an unfortunate accident and they were very helpful at the time managing the claim, so the company was great. My rate did go up which I expected and it was reasonable at the time. When my policy was supposed to renew the following year, they wanted to again increase my rate by almost $100 per month. The insurance broker I dealt with was very rude when I called about canceling my policy because unfortunately, I can't afford that kind of increase as a single parent with one income.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.49A.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 137 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 (86)
Ronald W
October 29, 2024
Verified Review
They Cancelled Our Home Insurance
We had no problem with Auto-Owners regarding our auto insurance. However, we were disappointed when Auto-Owners cancelled our home insurance. They stopped all home insurance in 'fire prone areas'.
Martha
October 28, 2024
Verified Review
Good
The premiums keep increasing.
Lawrence
October 24, 2024
Verified Review
Honest Answers to Questions
Please refer to my answers to the previous questions.
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 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
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 Jeep, Toyota, Buick , and more.
*Quotes generated for Insurify users in and around Columbus, Ohio within the last 10 days. Last updated on October 30, 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 30, 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 30, 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 30, 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:
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.
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.
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.
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.
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
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
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.
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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
- 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 Ohio
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- NOLO. "Types of Car Insurance Coverage."
- Ohio Bureau of Motor Vehicles. "Mandatory Insurance."
- National Highway Traffic Safety Administration. "Speeding."
- NOLO. "DUI-Related Accidents and Car Insurance."
- Insurance Information Institute. "Auto insurance for teen drivers."
- Ohio Department of Insurance. "How Credit Information Can Impact Insurance Premium Amounts."
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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.
Edited byDanny 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.
Featured in
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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