Compare Columbus, GA Car Insurance Rates (2021)

The cheapest car insurance company in Columbus, GA, is GEICO. However, your Columbus, GA car insurance quotes will depend on your driving record, credit score, and age. Also, you'll need to carry 25/50/25 in liability insurance. You can secure Columbus, GA car insurance rates as low as $222/mo when you compare quotes from multiple auto insurance companies online.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 23, 2021

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Here's what you need to know...

  • Car insurance in Columbus, GA, is $1,087 more per year than the national average
  • The cheapest car insurance company in Columbus, Georgia, is GEICO
  • Secure cheap car insurance by maintaining a clean driving history and good credit score

On average, Columbus, GA car insurance costs $1,087 more than the national average and $52 more than the Georgia car insurance average.

But why is Columbus, Georgia car insurance so expensive?

Car insurance rates are determined by various factors, including the company you choose, your driving history, and much more. Don’t worry – we’re here to help.

Our guide explains how you can secure cheap auto insurance in Columbus, GA.

Ready to find affordable Columbus, GA car insurance? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Columbus, GA?

The cheapest car insurance company in Columbus, GA, is GEICO. The following most affordable companies are USAA and Allstate.

Here are the best auto insurance companies in Columbus, Georgia, ranked from cheapest to most expensive:

  • GEICO – $2,662
  • USAA – $3,075
  • Allstate – $3,792
  • State Farm – $3,859
  • Progressive – $4,716
  • Nationwide – $7,004
  • Liberty Mutual – $10,024

GEICO, USAA, Allstate, State Farm, and Progressive are the only Columbus car insurance providers with cheaper than average car insurance rates. However, your auto insurance rates will depend on personal factors.

The most important factor is your driving record. Some auto insurance companies provide at least 15 percent off annual premiums if you have a clean driving history. You can save even more money if your credit score is good.

Another crucial factor that determines auto insurance is location. Car insurance providers can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Columbus, GA? The most affordable ZIP code in Columbus, GA, is 31901, and its average car insurance cost is $396 per month.

Columbus male drivers under 25 have the most expensive car insurance rates. Meanwhile, married drivers who are 25 and older pay hundreds of dollars less.

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What are the minimum car insurance coverage requirements in Columbus, GA?

Before you can drive in Columbus, the Georgia DMV and Georgia Department of Insurance requires all drivers to carry the minimum auto insurance requirements, which are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

Georgia has strict motor vehicle laws, so be sure you’re carrying the minimum requirements. Also, consider raising your coverage limit to cut possible out-of-pocket costs.

Be aware that the Columbus, GA DMV will not issue you a driver’s license if you do not meet the state’s minimum auto insurance requirements.

What affects car insurance rates in Columbus, GA?

Your commute to work and your city’s vehicle theft rate can determine your auto insurance rates.  Your chances of getting into an accident go up the more you drive. Vehicle thefts, on the other hand, determine your chances of filing a comprehensive insurance claim.

The city of Columbus, Georgia, didn’t participate in sharing vehicle theft data in 2019. However, NeighborhoodScout reported that Columbus residents have a one in 27 chance of becoming a victim of property crime.

What about your daily drive to work? According to City-Data, the average Columbus, GA, commute is 20 minutes, which is five minutes faster than the national average.

Columbus, GA Car Insurance: The Bottom Line

You can secure cheap car insurance in Columbus, GA, by maintaining a clean driving record. If you have a good credit history, take advantage of the low prices provided by your auto insurance provider.

Also, your vehicle’s safety and anti-theft features can save you money on car insurance.

Before you buy car insurance in Columbus, GA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Columbus, GA car insurance quotes.

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