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.
We’ve saved shoppers an average of $600 per year on their car insurance.
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
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
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.
Sources
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