Compare Columbus, OH Car Insurance Rates (2021)

Car insurance in Columbus, OH averages $278 a month. Columbus, Ohio 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, OH.

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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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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Columbus, OH after a DUI are $3,912/year
  • The cheapest car insurance company in Columbus for teen drivers is USAA
  • The cheapest ZIP code in Columbus is 43035

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

You’ll find Columbus car insurance rates, the cheapest Columbus, OH car insurance companies, and information on Ohio car insurance laws. You can also compare Columbus, Ohio car insurance rates to Lorain car insurance rates, Hamilton car insurance rates, and Cleveland car insurance rates.

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

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

How do age, gender, and marital status affect Columbus, OH car insurance rates? Every Columbus, Ohio 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, 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

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Minimum Car Insurance in Columbus, OH

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

Minimum Required Car 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

Cheapest Columbus, OH Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbus, OH. 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, 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

Cheapest Columbus, OH 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, OH to rates for a clean record with top companies.

Annual Columbus, Ohio Car 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

Cheapest Columbus, OH Car Insurance for Teen Drivers

Teen car insurance in Columbus, OH 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, 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

Cheapest Columbus, OH Car Insurance for Seniors

Take a look at Columbus, OH 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, 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

Cheapest Columbus, OH Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Columbus, Ohio

Insurance Company Annual Car 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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Cheapest Columbus, OH Car Insurance Rates by Commute Length

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

Annual Car 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

Cheapest Columbus, OH 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, OH.

Annual Car 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

The Best Cheap Car Insurance Companies in Columbus, OH

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

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Columbus, Ohio

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

Best Annual Car 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

Cheapest Columbus, OH 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, OH car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Columbus, Ohio?

What factors can have an impact on Columbus, OH 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, Ohio.

Car Theft in Columbus

High levels of vehicle theft can make car insurance more expensive. Columbus, OH car theft statistics from the FBI indicate 3,918 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, OH is 22.0 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, OH traffic data from INRIX ranks Columbus as the 473rd-most congested in the world.

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Compare Car Insurance Quotes in Columbus, OH

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

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

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