Best Cheap Auto Insurance in Columbus, KY (2021)

The average Columbus, KY auto insurance rates are $348 per month. The minimum auto insurance in Columbus is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Columbus, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Columbus, Kentucky is 25/50/25
  • Average auto insurance rates in Columbus, KY for senior drivers are $2,324 per year
  • The average commute length in Columbus is 21.1 minutes

Columbus, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Columbus can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Columbus, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Columbus to other Kentucky cities, including Nicholasville auto insurance rates, George auto insurance rates, and Florence auto insurance rates to see how Columbus, Kentucky auto insurance rates stack up.

Before you buy Columbus, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Columbus, Kentucky auto insurance quotes.

Minimum Auto Insurance in Columbus, Kentucky

Columbus, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Columbus, Kentucky.

Minimum Required Auto Insurance Coverage in Columbus, Kentucky

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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Cheap Columbus, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Columbus, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

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 $3,119 $3,103 $2,798 $2,988 $11,177 $12,562 $3,500 $3,719
GEICO $3,087 $2,859 $3,218 $2,914 $6,168 $7,329 $2,524 $2,185
Liberty Mutual $2,740 $2,976 $2,322 $2,603 $10,970 $12,167 $2,871 $3,004
Nationwide $2,787 $2,798 $2,519 $2,640 $6,037 $7,550 $3,132 $3,296
Progressive $2,264 $2,179 $2,004 $2,029 $10,402 $11,772 $2,814 $2,901
State Farm $1,882 $1,882 $1,660 $1,660 $5,045 $6,316 $2,098 $2,302
Travelers $2,220 $2,261 $2,176 $2,182 $10,566 $16,949 $2,318 $2,685
USAA $1,910 $1,924 $1,714 $1,758 $4,984 $5,272 $2,425 $2,671

Cheap Columbus, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Columbus, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Columbus, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Columbus, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,177 $12,562
GEICO $6,168 $7,329
Liberty Mutual $10,970 $12,167
Nationwide $6,037 $7,550
Progressive $10,402 $11,772
State Farm $5,045 $6,316
Travelers $10,566 $16,949
USAA $4,984 $5,272

Cheap Columbus, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Columbus, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Columbus, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,798 $2,988
GEICO $3,218 $2,914
Liberty Mutual $2,322 $2,603
Nationwide $2,519 $2,640
Progressive $2,004 $2,029
State Farm $1,660 $1,660
Travelers $2,176 $2,182
USAA $1,714 $1,758

Cheap Columbus, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Columbus, Kentucky compared to the annual auto insurance rates with a clean record in Columbus, Kentucky.

Annual Columbus, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,489 $5,807 $6,155 $5,033
GEICO $2,248 $4,011 $6,130 $2,752
Liberty Mutual $4,143 $6,348 $4,940 $4,395
Nationwide $3,060 $3,953 $4,997 $3,369
Progressive $3,766 $5,527 $4,301 $4,588
State Farm $2,633 $3,078 $2,856 $2,856
Travelers $4,510 $4,640 $6,693 $4,835
USAA $2,135 $3,024 $3,602 $2,568

Cheap Columbus, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Columbus, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Columbus, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Columbus, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,155
GEICO $6,130
Liberty Mutual $4,940
Nationwide $4,997
Progressive $4,301
State Farm $2,856
Travelers $6,693
USAA $3,602

Cheap Columbus, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Columbus, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Columbus, Kentucky

Insurance Company Poor Fair Good
Allstate $7,102 $4,907 $4,104
GEICO $6,223 $3,107 $2,025
Liberty Mutual $7,092 $4,344 $3,434
Nationwide $4,672 $3,666 $3,197
Progressive $5,118 $4,418 $4,101
State Farm $4,135 $2,492 $1,941
Travelers $5,768 $4,880 $4,861
USAA $4,227 $2,354 $1,915

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Cheap Columbus, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Columbus, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Columbus, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Columbus, Kentucky

ZIP Code Average Annual Rates
42032 $3,740

Cheap Columbus, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Columbus, Kentucky auto insurance. Find the cheapest annual Columbus, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Columbus, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,371 $5,371
GEICO $3,750 $3,821
Liberty Mutual $4,957 $4,957
Nationwide $3,845 $3,845
Progressive $4,546 $4,546
State Farm $2,782 $2,929
Travelers $5,169 $5,169
USAA $2,726 $2,938

Cheap Columbus, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Columbus, Kentucky? Check out the comparison of annual Columbus, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Columbus, Kentucky

Insurance Company Low Medium High
Allstate $5,050 $5,353 $5,710
GEICO $3,558 $3,767 $4,031
Liberty Mutual $4,713 $4,925 $5,231
Nationwide $3,908 $3,801 $3,826
Progressive $4,263 $4,501 $4,873
State Farm $2,717 $2,854 $2,997
Travelers $4,912 $5,194 $5,403
USAA $2,715 $2,826 $2,956

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Best By Category: Cheapest Auto Insurance in Columbus, Kentucky

Compare the cheapest auto insurance companies in Columbus, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Columbus, Kentucky

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

The Cheapest Columbus, Kentucky Auto Insurance Companies

What auto insurance companies in Columbus, Kentucky are the cheapest? Compare the top Columbus, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Columbus, Kentucky

Insurance Company Average Annual Rates
Allstate $5,371
GEICO $3,785
Liberty Mutual $4,957
Nationwide $3,845
Progressive $4,546
State Farm $2,856
Travelers $5,169
USAA $2,832

What affects auto insurance rates in Columbus, Kentucky?

There are a lot of reasons why auto insurance rates in Columbus, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Columbus, Kentucky. Many local factors may affect your Columbus auto insurance rates.

Columbus Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Columbus, Kentucky commute length is 21.1 minutes according to City-Data.

Columbus Traffic

How does Columbus, Kentucky rank for traffic? According to Inrix Columbus, Kentucky is the 473rd most congested worldwide.

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Compare Columbus, Kentucky Auto Insurance Quotes

Before you buy Columbus, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Columbus, Kentucky auto insurance quotes.

Free Auto Insurance Comparison

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

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