Columbus, GA Car Insurance

What can Columbus residents expect to pay for their car insurance? How does Columbus stack up to the rest of the area, or even Georgia as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Columbus?

Based on the above chart, auto insurance policies in Columbus are about $17 a month cheaper than in the rest of Georgia.

On the other hand, Columbus residents should prepare to pay higher rates for coverage than the rest of the country. The average monthly payment in Columbus is about $8 more expensive than the rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Columbus, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

But don't worry, we've broken down the average rates for Columbus residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Columbus Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to increase again in Columbus.

Columbus Car Insurance Rates by Gender

In general, women pay slightly less for car insurance than men. In Columbus, the difference comes out to about $12 per month. Looking at the table above, you can see that female drivers pay around $83 on average, while male drivers typically pay $95 each month.

Columbus Auto Insurance Rates by Driving Record

One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Columbus, drivers with one accident on their record will experience rates around $122 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $102.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Columbus Insurance Rates by Vehicle

In Columbus, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $79 per month for auto insurance.

SUV drivers will see rates of about $85, while the rates for car owners average out to about $90 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Columbus, the most expensive vehicles to insure are vehicles six-to-seven years old.

Vehicle age has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates begin to slide back down slightly. The most expensive vehicles to insure in Columbus, however, are vehicles six-to-seven years old and eight-to-ten years old.

Columbus Car Insurance Rates by Relationship Status

On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Columbus, with married couples paying about $24 less per month.

Columbus Car Insurance Rates by Housing Situation

One other element taken into consideration is your housing status. If you rent your home or apartment in Columbus, expect to pay around $13 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Columbus, GA

Recent trends in car insurance for Columbus drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

In Columbus, car insurance rates had been increasing from 2017-2018 -- where they hit a high of $92 -- before steadying out in 2019. Insurance rates went up again in 2020, and finished down at $70 in 2022.

How does Columbus compare to neighboring areas?

Why are car insurance rates in Columbus different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

• Prevalence of crime
• Area regulations
• Number of car accidents
• Off-street parking access
• Total number of drivers in the region

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Columbus?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Columbus.

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Columbus Auto Insurance FAQs

What factors affect car insurance quotes in Columbus?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Columbus different from other neighboring cities?

Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Columbus?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Columbus?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Columbus or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?