Best Cheap Auto Insurance in Columbus, OH (2021)

The average Columbus, OH auto insurance rates are $278 per month. The minimum auto insurance in Columbus is at least 25/50/25 in coverage to comply with Ohio auto insurance laws. To find the best cheap auto insurance in Columbus, Ohio, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Things to Remember

  • The most expensive auto insurance company in Columbus for teen drivers is Liberty Mutual
  • The average commute length in Columbus is 22.0 minutes
  • Average auto insurance rates in Columbus, OH for senior drivers are $1,703 per year

Columbus, Ohio auto insurance requirements are 25/50/25 according to Ohio 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, Ohio, including driving record, credit, commute time, and more.

Compare auto insurance in Columbus to other Ohio cities, including Canton auto insurance rates, Lorain auto insurance rates, and Cincinnati auto insurance rates to see how Columbus, Ohio auto insurance rates stack up.

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

Minimum Auto Insurance in Columbus, Ohio

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

Minimum Required Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Columbus, Ohio 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, 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

Cheap Columbus, Ohio Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Columbus, Ohio Auto Insurance for Seniors

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

Annual Auto 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

Cheap Columbus, Ohio 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, Ohio compared to the annual auto insurance rates with a clean record in Columbus, Ohio.

Annual Columbus, Ohio Auto 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

Cheap Columbus, Ohio Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Columbus, Ohio

Insurance Company Annual Auto 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

Cheap Columbus, Ohio Auto Insurance By Credit History

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

Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Columbus, Ohio Auto Insurance Rates By ZIP Code

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

Annual Auto 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

Cheap Columbus, Ohio Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Columbus, Ohio

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Columbus, Ohio Auto Insurance Rates By Coverage Level

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

Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Columbus, Ohio

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

Best Annual Auto 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

The Cheapest Columbus, Ohio Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Columbus, Ohio?

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

Columbus Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Columbus, Ohio auto theft statistics, there have been 3,918 auto thefts in the city.

Columbus Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Columbus, Ohio commute length is 22.0 minutes according to City-Data.

Columbus Traffic

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Columbus, Ohio Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption