Best Cheap Auto Insurance in Columbus, TX (2021)

The average Columbus, TX auto insurance rates are $312 per month. The minimum auto insurance in Columbus is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Columbus, Texas, compare quotes from multiple companies.

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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...

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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 Daniel Walker

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Columbus for teen drivers is American Family
  • The cheapest auto insurance company in Columbus is USAA
  • The average commute length in Columbus is 13.1 minutes

Columbus, Texas auto insurance requirements are 30/60/25 according to Texas 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, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Columbus to other Texas cities, including El Paso auto insurance rates, Arlington auto insurance rates, and Corpus Christi auto insurance rates to see how Columbus, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Columbus, Texas

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

Minimum Required Auto 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

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

Auto insurance rates in Columbus, Texas 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, 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

Cheap Columbus, Texas Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Columbus, Texas Auto Insurance for Seniors

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

Annual Auto 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

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

Annual Columbus, Texas Auto 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

Cheap Columbus, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Columbus, Texas

Insurance Company Annual Auto 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

Cheap Columbus, Texas Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Columbus, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Columbus, Texas

ZIP Code Average Annual Rates
78934 $5,550

Cheap Columbus, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Columbus, Texas

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

Cheap Columbus, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Columbus, Texas

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

Best Annual Auto 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

The Cheapest Columbus, Texas Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Columbus, Texas?

There are a lot of reasons why auto insurance rates in Columbus, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Columbus, Texas. 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, Texas auto theft statistics, there have been 5 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, Texas commute length is 13.1 minutes according to City-Data.

Columbus Traffic

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

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Compare Columbus, Texas Auto Insurance Quotes

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