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Best Cheap Auto Insurance in Columbus, GA (2021)

Things to Remember

  • The best cheap auto insurance in Columbus, GA comes from GEICO.
  • Columbus, GA auto insurance rates are impacted by low auto-theft rates and minimal traffic congestion.
  • Columbus auto insurance rates are cheaper than other major Georgia cities, like Atlanta and Savannah.

Columbus, Georgia auto insurance is lower on average than other major Georgia cities. You can secure cheap Columbus, GA auto insurance rates by looking for discounts and comparing quotes online from multiple companies.

Table of Contents

Monthly Columbus, GA Car Insurance Rates by ZIP Code

Check out the monthly Columbus, GA auto insurance rates by ZIP Code below:

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Columbus, GA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Columbus, GA stack up against other top metro auto insurance rates? We’ve got your answer below.

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Our brief guide can help. Keep reading to learn how to get affordable Columbus, GA auto insurance no matter your age, credit history, or driving record.

Ready to buy Columbus, GA auto insurance? Enter your ZIP code into our free tool above to receive Columbus, GA auto insurance quotes from reputable providers near you.

What is the cheapest auto insurance company in Columbus, GA?

The cheapest Columbus, GA auto insurance company is GEICO, with rates averaging around $221 per month or $2,662 annually.

Which Columbus, GA auto insurance company has the cheapest rates? And how do those rates compare against the average Georgia auto insurance company rates? We’ve got the answers below.

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Take a look at the top insurance providers from cheapest to most expensive below:

  • GEICO – $2,661.82
  • USAA – $3,074.96
  • Allstate – $3,791.66
  • State Farm – $3,859.48
  • Progressive – $4,716.04
  • Nationwide – $7,004.06>
  • Liberty Mutual – $10,023.87

Your individual quotes from each of these companies will vary depending on your age, driving record, and even the type of vehicle you drive. The coverage level you choose will also impact your overall costs.

Columbus, GA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Columbus auto insurance rates. Find the cheapest Columbus, GA auto insurance rates by coverage level below:

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Your credit score will play a major role in your Columbus auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Columbus, GA auto insurance rates by credit score below.

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Your driving record will play a major role in your Columbus auto insurance rates. For example, other factors aside, a Columbus, GA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Columbus, GA auto insurance rates by driving record.

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Factors affecting auto insurance rates in Columbus, GA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Columbus, Georgia auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Georgia does use gender, so check out the average monthly auto insurance rates by age and gender in Columbus, GA.

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What auto insurance coverage is required in Columbus, GA?

If you live in Columbus, you must meet the Georgia state auto insurance laws to drive on the roads legally.

In Georgia, you must carry at least:

  • $25,000 per person and $50,000 per accident in bodily injury liability.
  • $25,000 per accident in property damage liability.
  • $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage.
  • $25,000 with a $250, $500, or $1,000 deductible in uninsured motorist property damage coverage.

Georgia is an at-fault state. If you are not responsible for causing an accident, the liable driver’s insurance company is responsible for paying for all damages.

What affects auto insurance rates in Columbus, GA?

Columbus, GA is a small city with minimal traffic congestion and low vehicle theft rates. This helps keep insurance costs in your city low.

Data from INRIX ranks Columbus as the 203rd most congested city in the country. Drivers only lose an average of 7 hours per year to congestion.

According to City-Data, the average commute time in Columbus is 19.9 minutes, shorter than the national average of 27 minutes.

Crime reports from the Federal Bureau of Investigation (FBI) show that there were only 704 vehicle theft incidents in 2017. That’s a rate of 354 car thefts per 100,000 people.

Columbus, GA Car Insurance: The Bottom Line

Columbus, Georgia is a safe city for drivers, which insurance providers recognize.

You can save even more on your Columbus auto insurance rates by shopping around and comparing quotes.

Compare Columbus, GA auto insurance rates from the best companies near you by entering your ZIP code into our free tool below.

References:

  1. https://inrix.com/scorecard-city/?city=Columbus%2C%20GA&index=847
  2. http://www.city-data.com/city/Columbus-Georgia.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/georgia.xls

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