Compare Columbus, TX Car Insurance Rates (2021)

Car insurance in Columbus, TX averages $312 a month. Columbus, Texas car insurance requirements are 30/60/25, 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, TX.

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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.

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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

  • The cheapest car insurance company in Columbus is USAA
  • Average car insurance rates in Columbus, TX are $3,738/year
  • The cheapest car insurance company in Columbus for teen drivers is USAA

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

You’ll find Columbus car insurance rates, the cheapest Columbus, TX car insurance companies, and information on Texas car insurance laws. You can also compare Columbus, Texas car insurance rates to Fort Worth car insurance rates, San Antonio car insurance rates, and Laredo car insurance rates.

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

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

How do age, gender, and marital status affect Columbus, TX car insurance rates? Every Columbus, Texas 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, Texas

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 $3,307 $3,333 $3,265 $3,265 $8,766 $10,569 $4,086 $4,252
American Family $3,250 $3,652 $3,097 $3,582 $9,223 $12,027 $4,796 $5,475
GEICO $2,124 $2,287 $2,042 $2,312 $4,615 $4,776 $2,297 $2,290
Nationwide $2,140 $2,177 $1,893 $2,004 $6,027 $7,731 $2,509 $2,713
Progressive $2,282 $2,177 $2,026 $2,067 $9,403 $10,493 $2,708 $2,761
State Farm $1,824 $1,824 $1,615 $1,615 $4,227 $5,363 $1,973 $2,038
USAA $1,520 $1,531 $1,451 $1,442 $4,265 $4,651 $2,028 $2,178

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Minimum Car Insurance in Columbus, TX

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

Minimum Required Car Insurance Coverage in Columbus, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Columbus, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbus, TX. 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, Texas

Insurance Company Poor Fair Good
Allstate $6,486 $4,757 $4,073
American Family $7,650 $4,947 $4,316
GEICO $4,372 $2,488 $1,669
Nationwide $4,074 $3,275 $2,848
Progressive $4,781 $4,122 $3,816
State Farm $3,627 $2,256 $1,797
USAA $3,502 $2,022 $1,626

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

Annual Columbus, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,956 $6,120 $6,390 $3,956
American Family $5,119 $6,569 $5,744 $5,119
GEICO $2,416 $3,180 $2,668 $3,107
Nationwide $2,952 $2,952 $4,361 $3,331
Progressive $3,701 $4,766 $4,322 $4,168
State Farm $2,290 $2,606 $3,053 $2,290
USAA $1,778 $2,621 $3,093 $2,041

Cheapest Columbus, TX Car Insurance for Teen Drivers

Teen car insurance in Columbus, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,766 $10,569
American Family $9,223 $12,027
GEICO $4,615 $4,776
Nationwide $6,027 $7,731
Progressive $9,403 $10,493
State Farm $4,227 $5,363
USAA $4,265 $4,651

Cheapest Columbus, TX Car Insurance for Seniors

Take a look at Columbus, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,265 $3,265
American Family $3,097 $3,582
GEICO $2,042 $2,312
Nationwide $1,893 $2,004
Progressive $2,026 $2,067
State Farm $1,615 $1,615
USAA $1,451 $1,442

Cheapest Columbus, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Columbus, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,390
American Family $5,744
GEICO $2,668
Nationwide $4,361
Progressive $4,322
State Farm $3,053
USAA $3,093

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Cheapest Columbus, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Columbus, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,983 $5,228
American Family $5,638 $5,638
GEICO $2,790 $2,896
Nationwide $3,399 $3,399
Progressive $4,239 $4,239
State Farm $2,560 $2,560
USAA $2,353 $2,414

The Best Cheap Car Insurance Companies in Columbus, TX

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

Average Annual Car Insurance Rates by Company in Columbus, Texas

Insurance Company Average Annual Rates
Allstate $5,105
American Family $5,638
GEICO $2,843
Nationwide $3,399
Progressive $4,239
State Farm $2,560
USAA $2,383

Category Winners: Cheapest Car Insurance in Columbus, Texas

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

Best Annual Car Insurance Rates by Company in Columbus, Texas

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

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

Annual Car Insurance Rates by Coverage Level in Columbus, Texas

Insurance Company Low Medium High
Allstate $4,984 $5,060 $5,273
American Family $5,190 $5,396 $6,327
GEICO $2,693 $2,809 $3,026
Nationwide $3,675 $3,255 $3,267
Progressive $4,062 $4,221 $4,435
State Farm $2,438 $2,552 $2,689
USAA $2,305 $2,374 $2,471

What affects car insurance rates in Columbus, Texas?

What factors can have an impact on Columbus, TX 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, Texas.

Car Theft in Columbus

High levels of vehicle theft can make car insurance more expensive. Columbus, TX car theft statistics from the FBI indicate 5 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, TX is 13.1 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, TX traffic data from INRIX ranks Columbus as the 473rd-most congested in the world.

Compare Car Insurance Quotes in Columbus, TX

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

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