The Cheapest Car Insurance Quotes In Columbus, GA For 2024

Auto-Owners is distinguished as the most affordable choice in Columbus, offering an average monthly rate of $37.

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Updated: 03 May 2024
Written by Bob Phillips
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When seeking the most budget-friendly car insurance in Columbus, GA, options may vary, but Auto-Owners stands out for its competitive rates. On average, residents can obtain car insurance for approximately $37 per month, significantly lower than the state’s average of $148.

For individuals in search of the most economical liability-only coverage, Auto-Owners is the preferred choice. Meanwhile, those seeking more comprehensive protection may find that Auto-Owners offers the most favorable rates for full coverage policies, priced at $103 monthly. For young drivers, Allstate provides the most affordable rates, at $90 per month.

Cheapest Car Insurance Companies In Columbus, GA

Cheapest Car Insurance, Columbus, GA

Our Methodology

Utilizing a comprehensive analysis that encompasses various factors such as customer service ratings, product options, pricing, and a thorough evaluation of multiple online review sites and user experiences, I have developed an in-depth understanding of the landscape of car insurance providers in Columbus, GA. This perspective has been shaped by over 15 years of personal involvement in the industry as a licensed insurance agent. It is based on numerous interactions with representatives from various companies and insights gained from firsthand experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Columbus, GA?

Auto-Owners provides the most affordable car insurance in Columbus, GA, with coverage available for $142 per month. A comparison with average rates across Georgia and the entire United States demonstrates the significant affordability of its offerings, as depicted in the table below:

Area Average Monthly Rate
National $152
Georgia $148
Columbus, GA $142

It’s crucial to consider that the average national cost incorporates both high-cost states (like New York, New Jersey, and California) and low-cost states (such as Mississippi, Kentucky, and Wyoming). Rates fluctuate by location due to various factors, including vehicle type, coverage amount, zip code, driving record, and more.

Cheapest Car Insurance Rates In Columbus For Teenagers

Teenage drivers in Columbus can find the cheapest quotes from Farm Bureau, with average monthly premiums of $313.

Provider Average Monthly Cost Average Annual Cost
Farm Bureau $313 $3,741
GEICO $319 $3,832
Auto-Owners $327 $3,921
State Farm $354 $4,112
Allstate $380 $4,591

Teenage drivers often face the most expensive car insurance premiums, and this is predominantly due to their inexperience behind the wheel. Insurance providers consider these young motorists to be a high-risk category because they are statistically more prone to be involved in accidents and commit traffic infractions.

Cheapest Car Insurance Rates In Columbus For Full Coverage

Auto-Owners has the cheapest car insurance rates for full coverage. Their quotes average $103 a month in Columbus.

Provider Average Monthly Cost Average Annual Cost
Progressive $192 $2,302
GEICO $190 $2,278
Auto-Owners $103 $1,238
Allstate $153 $1,834
State Farm $157 $1,882

Full coverage car insurance provides an all-encompassing protective umbrella that goes beyond the basic coverage mandated by law. This insurance typically merges comprehensive and collision coverages.

Comprehensive coverage safeguards against non-collision incidents, including theft, vandalism, or natural events, while collision coverage ensures financial protection for vehicle damages due to accidents, without regard to the responsible party.

Cheapest Car Insurance Rates In Columbus For Minimum Coverage

Auto-Owners is the cheapest car insurance company for minimum coverage in Columbus, with an average monthly cost of $37.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $37 $439
Progressive $63 $756
Farm Bureau $42 $504
State Farm $64 $768
Allstate $57 $684

The minimum car insurance policy should have at least the following:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $100,000 for property damage per accident

Having minimum car insurance provides you with some protection while on the road, but it does not include collision or comprehensive insurance, which means damages to your own vehicle in the event of an accident or other incidents like theft and natural disasters won’t be covered.

Driving without insurance is also illegal in Georgia. Your inability to show proof of insurance during a traffic stop may result in various penalties. These may range from being fined to having your license suspended or worse.

Cheapest Car Insurance Rates In Columbus For Seniors

Clearcover quotes average $87 a month, the cheapest car insurance rates for seniors in Columbus

Provider Average Monthly Cost Average Annual Cost
Clearcover $87 $1,040
Auto-Owners $92 $1,095
USAA $93 $1,107
Farm Bureau $101 $1,213
Kemper $104 $1,249

In Georgia, many seniors may find advantageous car insurance rates, influenced by a range of beneficial factors. Although age is typically a factor in insurance rate determinations, with older age sometimes associated with decreased driving ability, this stereotype does not hold true for all.

Cheapest Car Insurance Rates In Columbus For Young Adults

Allstate offers the cheapest quotes for young adults in Columbus. Rates are around $90 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $147 $1,764
GEICO $173 $2,076
Mercury $163 $1,956
Allstate $90 $1,080
Progressive $178 $2,136

In Georgia, young adult drivers typically benefit from lower car insurance rates compared to their teenage counterparts. This discrepancy in pricing is attributed to the maturation of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.

Statistically, young adults are less likely to file claims with insurance companies, a factor that reflects a reduction in accident involvement. Consequently, insurers adjust premiums downward, recognizing the improved safety records and decreased likelihood of claims from these more experienced drivers

Cheapest Car Insurance Rates In Columbus For Good Drivers

Good drivers in Columbus can find the cheapest car insurance quotes from Auto-Owners, at around $37 a month.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $37 $439
Progressive $63 $756
Farm Bureau $42 $504
State Farm $64 $768
Allstate $57 $684

Drivers with clean driving records in Columbus typically receive lower car insurance rates because they’re perceived as lower risk. Insurance companies use driving records as a way to gauge how safely a person drives. Fewer incidents, like accidents or traffic violations, suggest that the driver is cautious and less likely to file a claim.

Since insurers base their rates on the likelihood of a driver making a claim, a spotless driving record can lead to significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and, consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Columbus For Drivers With Prior Incidents

In Columbus, drivers with records of traffic violations, including accidents, speeding, or DUIs, often face difficulties obtaining affordable car insurance. Such driving infractions lead insurance companies to label them as high-risk, a designation that comes with the expectation of a greater chance of filing future insurance claims.

Consequently, insurance providers adjust their rates upward for these individuals to mitigate the risk of incurring higher claim payouts.

Cheapest Car Insurance Rates In Columbus For Drivers With A Speeding Ticket

State Farm is very cheap compared to other companies. The company offers average rates of $95 a month.

Provider Average Monthly Cost Average Annual Cost
State Farm $95 $1,140
Travelers $168 $2,016
Geico $167 $2,004
Allstate $113 $1,356
Progressive $157 $1,884

Cheapest Car Insurance Rates In Columbus For Drivers With An At-Fault Accident

State Farm offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $107 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $107 $1,284
Travelers $167 $2,004
Geico $177 $2,124
Progressive $168 $2,016
Allstate $119 $1,428

Cheapest Car Insurance Rates In Columbus For Drivers After A DUI

State Farm is the company with the cheapest rates for drivers after a DUI. They offer Columbus drivers average monthly premiums of $127.

Provider Average Monthly Cost Average Annual Cost
State Farm $127 $1,524
Travelers $207 $2,484
Progressive $184 $2,208
Geico $212 $2,544
Allstate $143 $1,716

Best Car Insurance Companies In Columbus

For drivers in Columbus, choosing the right car insurance company is as much about finding affordable rates as it is about securing reliable protection on the road. Shown below are the top 10 car insurance companies in Columbus, GA, ranked by the average monthly rate they offer.

Company Monthly Premium
USAA $100
State Farm $130
Nationwide $172
Mercury $127
Clearcover $105
Mercury $130
Country $148
Farm Bureau $100
Auto Owners $115
ACCC $150

Average Car Insurance Rates By Age In Columbus

Age Average Yearly Rate
Teenagers $4,287
20s $3,096
30s $2,232
40s $1,956
50s $1,776
60s $1,680
70s $1,860

Age is a significant factor in determining car insurance rates. Generally, younger drivers, particularly teens and young adults, face higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates typically start to decrease, assuming a clean driving record.

The most favorable insurance rates are often found for drivers in their 50s and early 60s. Insurance companies use age as a metric to gauge driving experience and risk potential, influencing the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Columbus

Vehicle Average Monthly Rate
Kia Sportage $80
Dodge Charger $248
Ford Fusion $132
Chevrolet Equinox $238
Buick Lacrosse $80

The type of vehicle you drive significantly influences your car insurance costs. Factors such as the make, model, year, and body type of the car are all taken into account by insurance companies. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Georgia?

City Average Monthly Rate
Norcross $170
Macon $147
Albany $130
Atlanta $195
Athens $134
Augusta $138
Newnan $140
Savannah $158
Valdosta $110
Warner Robins $128

Your city of residence indeed has a substantial impact on your car insurance rates. Insurance companies consider several factors related to your location, such as the probability of accidents, rates of vehicle theft, and incidents of vandalism. These factors are typically more prevalent in urban areas, leading to increased risk and, consequently, higher insurance premiums.

FAQs

Who has the lowest car insurance rates in Columbus?

The lowest car insurance rates in Columbus are offered by Auto-Owners for the minimum coverage required by the State of Georgia and Auto-Owners for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Columbus?

The average cost of car insurance in Columbus is about $142 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.

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