Buy Cheap Columbus, OH Auto Insurance (2021)

Columbus, OH auto insurance rates average $278 a month. Minimum auto insurance requirements in Columbus, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Columbus, OH, compare Columbus auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Columbus, OH for teens drivers are $7,001/year
  • The most expensive auto insurance company in Columbus is Liberty Mutual
  • The most expensive auto insurance company in Columbus after a DUI is Liberty Mutual

Finding affordable Columbus, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Columbus, OH auto insurance with confidence is right here. Auto insurance rates in Columbus are affected by local factors as well as personal ones like your driving record.

See how Columbus, OH car insurance rates compare to Lorain auto insurance rates, Hamilton auto insurance rates, and Toledo auto insurance rates before you read more about the cost of auto insurance in Columbus.

Don’t buy Columbus, OH auto insurance until you’ve compared rates. Get free Columbus, Ohio auto insurance quotes when you enter your ZIP code above.

Columbus, OH Minimum Auto Insurance Requirements

The required auto insurance in Columbus, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Columbus, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Columbus, Ohio

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Columbus, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Columbus, OH. Take a look at Columbus, Ohio auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Columbus, Ohio

Insurance Company Poor Fair Good
Allstate $4,815 $3,504 $2,911
American Family $2,240 $1,523 $1,289
Farmers $4,450 $3,769 $3,589
GEICO $2,780 $2,313 $1,846
Liberty Mutual $7,998 $4,904 $3,839
Nationwide $4,560 $3,667 $3,091
Progressive $4,251 $3,695 $3,462
State Farm $4,090 $2,531 $1,997
Travelers $4,643 $4,042 $3,776
USAA $2,010 $1,426 $1,217

Buy Cheap Columbus, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Columbus, Ohio auto insurance rates? Find out how car insurance rates in Columbus, OH are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Columbus, Ohio

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,466 $2,445 $2,231 $2,385 $7,043 $8,066 $2,573 $2,737
American Family $1,008 $1,045 $935 $936 $3,344 $3,624 $1,255 $1,322
Farmers $2,058 $2,053 $1,811 $1,916 $9,296 $9,658 $2,302 $2,393
GEICO $1,645 $1,606 $1,555 $1,581 $4,533 $4,216 $1,828 $1,540
Liberty Mutual $2,569 $2,806 $1,968 $2,402 $13,712 $15,481 $2,727 $2,977
Nationwide $2,490 $2,499 $2,247 $2,260 $6,524 $8,396 $2,667 $3,101
Progressive $1,924 $1,799 $1,605 $1,657 $8,827 $9,929 $2,300 $2,380
State Farm $1,690 $1,690 $1,527 $1,527 $5,468 $6,851 $1,968 $2,261
Travelers $1,880 $1,908 $1,875 $1,864 $8,325 $13,180 $1,964 $2,235
USAA $927 $934 $888 $882 $2,939 $3,264 $1,240 $1,335

Buy Cheap Columbus, OH Auto Insurance for Teen Drivers

Auto insurance for teenagers in Columbus can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Columbus, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Columbus, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,043 $8,066
American Family $3,344 $3,624
Farmers $9,296 $9,658
GEICO $4,533 $4,216
Liberty Mutual $13,712 $15,481
Nationwide $6,524 $8,396
Progressive $8,827 $9,929
State Farm $5,468 $6,851
Travelers $8,325 $13,180
USAA $2,939 $3,264

Buy Cheap Columbus, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Columbus, Ohio by comparing Columbus senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Columbus, OH here.

Annual Auto Insurance Rates for Senior Drivers in Columbus, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,231 $2,385
American Family $935 $936
Farmers $1,811 $1,916
GEICO $1,555 $1,581
Liberty Mutual $1,968 $2,402
Nationwide $2,247 $2,260
Progressive $1,605 $1,657
State Farm $1,527 $1,527
Travelers $1,875 $1,864
USAA $888 $882

Find Cheap Auto Insurance Rates in Columbus, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Columbus, Ohio auto insurance. Compare Columbus, OH auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Columbus, Ohio

Insurance Company Low Medium High
Allstate $3,612 $3,735 $3,883
American Family $1,648 $1,697 $1,706
Farmers $3,711 $3,871 $4,226
GEICO $2,235 $2,302 $2,402
Liberty Mutual $5,360 $5,609 $5,772
Nationwide $4,178 $3,656 $3,485
Progressive $3,652 $3,770 $3,986
State Farm $2,714 $2,882 $3,022
Travelers $4,037 $4,209 $4,215
USAA $1,480 $1,550 $1,624

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Find Cheap Columbus, OH Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Columbus. Compare auto insurance rates in Columbus, OH by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Columbus, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,743 $3,743
American Family $1,663 $1,705
Farmers $3,936 $3,936
GEICO $2,274 $2,352
Liberty Mutual $5,580 $5,580
Nationwide $3,773 $3,773
Progressive $3,803 $3,803
State Farm $2,801 $2,945
Travelers $4,154 $4,154
USAA $1,493 $1,609

Find Cheap Columbus, OH Auto Insurance Rates by ZIP Code

Auto insurance rates in Columbus, Ohio can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Columbus, OH to see how much where you live in Columbus affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Columbus, Ohio

ZIP Code Average Annual Rates
43016 $3,039
43017 $3,063
43026 $3,103
43035 $2,890
43054 $3,066
43065 $3,077
43068 $3,141
43081 $3,093
43085 $3,098
43119 $3,113
43123 $3,083
43125 $3,201
43137 $3,044
43147 $2,984
43201 $3,323
43202 $3,242
43203 $3,378
43204 $3,268
43205 $3,323
43206 $3,297
43207 $3,318
43209 $3,290
43210 $3,255
43211 $3,476
43212 $3,171
43213 $3,248
43214 $3,216
43215 $3,252
43217 $3,146
43219 $3,363
43220 $3,184
43221 $3,147
43222 $3,299
43223 $3,286
43224 $3,542
43227 $3,324
43228 $3,175
43229 $3,312
43230 $3,141
43231 $3,294
43232 $3,308
43235 $3,153
43240 $3,108

Find Cheap Columbus, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Columbus, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Columbus, OH, take a look at the average cost for various violations versus rates for a clean driving record in Columbus.

Annual Columbus, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,124 $3,798 $4,496 $3,554
American Family $1,612 $1,708 $1,708 $1,708
Farmers $3,245 $4,184 $4,081 $4,233
GEICO $1,557 $2,267 $3,312 $2,117
Liberty Mutual $4,681 $6,024 $6,148 $5,468
Nationwide $3,024 $3,846 $4,879 $3,343
Progressive $3,273 $4,474 $3,489 $3,974
State Farm $2,605 $3,140 $2,873 $2,873
Travelers $3,045 $3,986 $6,035 $3,548
USAA $1,187 $1,598 $2,104 $1,315

Find Cheap Columbus, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Columbus, Ohio is higher than for a clean driving record. You can buy auto insurance after a DUI in Columbus for less when you shop around and compare rates from multiple Columbus, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Columbus, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,496
American Family $1,708
Farmers $4,081
GEICO $3,312
Liberty Mutual $6,148
Nationwide $4,879
Progressive $3,489
State Farm $2,873
Travelers $6,035
USAA $2,104

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Winners by Category: Where to Buy Cheap Auto Insurance in Columbus, OH

Compare rates from the cheapest auto insurance companies in Columbus, OH for your needs. Take a look at how Columbus, Ohio auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Columbus, Ohio

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

Find Cheap Columbus, Ohio Auto Insurance Companies

If you’re looking for the cheapest Columbus, OH auto insurance companies overall, you can compare them here. Find the best price for Columbus, Ohio car insurance by company.

Average Annual Auto Insurance Rates by Company in Columbus, Ohio

Insurance Company Average Annual Rates
Allstate $3,743
American Family $1,684
Farmers $3,936
GEICO $2,313
Liberty Mutual $5,580
Nationwide $3,773
Progressive $3,803
State Farm $2,873
Travelers $4,154
USAA $1,551

What affects Columbus, Ohio auto insurance rates?

Local factors affect auto insurance rates in Columbus, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Columbus auto insurance rates.

Auto Theft in Columbus

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Columbus, OH auto theft show a total of 3,918 vehicle thefts annually.

Commute Times in Columbus

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Columbus, OH is 22.0 minutes according to City-Data.

Traffic in Columbus

How is traffic in Columbus, Ohio? Inrix data shows that Columbus, OH traffic makes it the 473rd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Columbus, OH

You can buy cheap Columbus, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Columbus, Ohio auto insurance quotes from top companies.

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