Compare Columbus, IN Car Insurance Rates (2021)

Car insurance in Columbus, IN averages $261 a month. Columbus, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Columbus car insurance rates, compare quotes from the top car insurance companies in Columbus, IN.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Columbus, IN after a DUI are $3,717/year
  • The cheapest car insurance company in Columbus is USAA
  • The cheapest car insurance company in Columbus for teen drivers is USAA

If you need to buy Columbus, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Columbus, IN is right here.

You’ll find Columbus car insurance rates, the cheapest Columbus, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Columbus, Indiana car insurance rates to Bloomington car insurance rates, Evansville car insurance rates, and Hammond car insurance rates.

Ready to find affordable Columbus, IN car insurance today? Enter your ZIP code for fast, free Columbus car insurance quotes.

Cheapest Columbus, IN Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Columbus, IN car insurance rates? Every Columbus, Indiana car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Columbus, Indiana

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 $2,454 $2,517 $2,150 $2,352 $7,479 $9,407 $2,499 $2,721
American Family $2,277 $2,277 $2,048 $2,048 $6,259 $9,073 $2,277 $2,811
Farmers $1,534 $1,515 $1,312 $1,472 $8,222 $8,767 $2,022 $2,188
GEICO $1,353 $1,347 $1,278 $1,325 $3,982 $3,690 $1,547 $1,355
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,359 $1,386 $1,198 $1,273 $3,934 $5,080 $1,593 $1,735
Progressive $1,582 $1,493 $1,435 $1,443 $9,379 $10,545 $1,984 $2,024
State Farm $1,360 $1,360 $1,218 $1,218 $4,210 $5,386 $1,509 $1,680
Travelers $1,127 $1,146 $1,057 $1,058 $7,042 $11,186 $1,192 $1,373
USAA $901 $888 $839 $846 $2,505 $2,799 $1,218 $1,303

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Columbus, IN

Every driver must carry the minimum car insurance in Columbus, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Columbus, Indiana

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

Cheapest Columbus, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbus, IN. Compare credit history car insurance rates in Columbus from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Columbus, Indiana

Insurance Company Poor Fair Good
Allstate $4,896 $3,641 $3,306
American Family $4,970 $3,229 $2,702
Farmers $3,942 $3,216 $2,979
GEICO $2,385 $1,985 $1,584
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,495 $2,112 $1,978
Progressive $4,115 $3,649 $3,443
State Farm $3,268 $1,949 $1,511
Travelers $3,502 $2,971 $2,970
USAA $1,904 $1,256 $1,076

Cheapest Columbus, IN Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Columbus, IN to rates for a clean record with top companies.

Annual Columbus, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,152 $4,622 $4,265 $3,750
American Family $2,504 $3,994 $5,054 $2,983
Farmers $3,022 $3,528 $3,630 $3,336
GEICO $1,299 $2,055 $2,790 $1,796
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $1,897 $2,426 $2,329 $2,128
Progressive $2,802 $4,906 $3,343 $3,891
State Farm $2,188 $2,406 $2,188 $2,188
Travelers $2,677 $3,302 $3,740 $2,871
USAA $1,068 $1,517 $1,741 $1,324

Cheapest Columbus, IN Car Insurance for Teen Drivers

Teen car insurance in Columbus, IN can be expensive. Take a look at rates from the top car insurance companies in Columbus for teenagers.

Annual Car Insurance Rates for Teen Drivers in Columbus, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,479 $9,407
American Family $6,259 $9,073
Farmers $8,222 $8,767
GEICO $3,982 $3,690
Liberty Mutual $8,383 $12,656
Nationwide $3,934 $5,080
Progressive $9,379 $10,545
State Farm $4,210 $5,386
Travelers $7,042 $11,186
USAA $2,505 $2,799

Cheapest Columbus, IN Car Insurance for Seniors

Take a look at Columbus, IN senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Columbus, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,150 $2,352
American Family $2,048 $2,048
Farmers $1,312 $1,472
GEICO $1,278 $1,325
Liberty Mutual $3,522 $3,522
Nationwide $1,198 $1,273
Progressive $1,435 $1,443
State Farm $1,218 $1,218
Travelers $1,057 $1,058
USAA $839 $846

Cheapest Columbus, IN Car Insurance Rates After a DUI

A DUI in Columbus, IN increases car insurance rates. Compare Columbus, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Columbus, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,265
American Family $5,054
Farmers $3,630
GEICO $2,790
Liberty Mutual $8,085
Nationwide $2,329
Progressive $3,343
State Farm $2,188
Travelers $3,740
USAA $1,741

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Columbus, IN Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Columbus, IN by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Columbus, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,948 $3,948
American Family $3,590 $3,677
Farmers $3,379 $3,379
GEICO $1,952 $2,017
Liberty Mutual $5,455 $5,752
Nationwide $2,195 $2,195
Progressive $3,736 $3,736
State Farm $2,179 $2,306
Travelers $3,147 $3,147
USAA $1,394 $1,431

Cheapest Columbus, IN Car Insurance Rates by ZIP Code

Columbus car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Columbus, IN.

Annual Car Insurance Rates by ZIP Code in Columbus, Indiana

ZIP Code Average Annual Rates
47201 $3,068
47203 $3,023

The Best Cheap Car Insurance Companies in Columbus, IN

Take a look at a side-by-side comparison of the top car insurance companies in Columbus, IN to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Columbus, Indiana

Insurance Company Average Annual Rates
Allstate $3,948
American Family $3,634
Farmers $3,379
GEICO $1,985
Liberty Mutual $5,604
Nationwide $2,195
Progressive $3,736
State Farm $2,243
Travelers $3,147
USAA $1,412

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Columbus, Indiana

Find the cheapest car insurance companies in Columbus, IN for each category right here.

Best Annual Car Insurance Rates by Company in Columbus, Indiana

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

Cheapest Columbus, IN Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Columbus car insurance rates. Find the cheapest Columbus, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Columbus, Indiana

Insurance Company Low Medium High
Allstate $3,774 $3,934 $4,134
American Family $3,603 $3,754 $3,544
Farmers $3,265 $3,373 $3,499
GEICO $1,860 $1,978 $2,115
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,227 $2,178 $2,179
Progressive $3,543 $3,681 $3,983
State Farm $2,131 $2,242 $2,356
Travelers $3,077 $3,177 $3,189
USAA $1,363 $1,409 $1,465

What affects car insurance rates in Columbus, Indiana?

What factors can have an impact on Columbus, IN car insurance? There are several reasons why Columbus car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Columbus, Indiana.

Car Theft in Columbus

High levels of vehicle theft can make car insurance more expensive. Columbus, IN car theft statistics from the FBI indicate 115 vehicle thefts a year.

Commute Time in Columbus

The more time you spend in your car the higher the risk of an accident. The average commute length in Columbus, IN is 17.0 minutes according to City-Data.

Traffic in Columbus

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Columbus, IN traffic data from INRIX ranks Columbus as the 473rd-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Columbus, IN

Ready to find affordable Columbus, Indiana car insurance today? Enter your ZIP code for fast, free Columbus, IN car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption