Best Columbus, GA Car Insurance in 2024

On average, Columbus, GA car insurance costs $1,087 more than the national average and $52 more than the Georgia car insurance average.

But why is it so expensive to purchase an auto policy in Columbus, GA?

Car insurance rates are determined by various factors, including the company you choose, your driving history, and much more. Don’t worry – we’re here to help.

Our guide explains how you can secure cheap auto insurance in Columbus, GA, as well as looking into the wide variety of factors that go into how companies price their insurance policies.

Ready to find affordable Columbus, GA car insurance? Enter your ZIP code above to get started.

What are the monthly Columbus, GA car insurance rates by ZIP code?

It might not be as commonly known as you may think, but where you live determines the average rates that you’ll pay for even just the most minimum coverage offered by insurers. You’ll find the cheapest rates in locations that don’t see much theft or crime, because there isn’t a high risk of your car being stolen or vandalized. You can even see how Georgia compares with the 15 States with the Highest Vehicle Theft Rates.

Living in a ZIP code with higher than average rates of crime could mean you’re paying more for your insurance premiums.

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What are the Columbus, GA car insurance rates vs. top US metro car insurance rates?

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Columbus, Georgia against other top US metro areas’ auto insurance rates. This is a great way to see what the average cost will be.

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

When you’re attempting to find affordable car insurance, you’re no doubt going to be looking at more than a few insurers. The cheapest car insurance company in Columbus, GA, is Geico. The following most affordable companies are USAA and Allstate.

The cheapest Columbus, GA auto insurance company can be discovered below. You then might be asking, “how do those rates compare against the average Georgia auto insurance company rates?” We cover that as well.

Here are the best auto insurance companies in Columbus, Georgia, ranked from cheapest to most expensive:

• Geico – $2,662
• USAA – $3,075
• Allstate – $3,792
• State Farm – $3,859
• Progressive – $4,716
• Nationwide – $7,004
• Liberty Mutual – $10,024

Geico, USAA, Allstate, State Farm, and Progressive are the only Columbus car insurance providers with cheaper than average car insurance rates. However, your auto insurance rates will depend on personal factors, and what insurance options you’re looking for.

Do car insurance companies check your driving records? The answer is yes, and it’s the most important factor insurance providers review. Some auto insurance companies provide at least fifteen percent off annual premiums if you have a clean driving history. Someone with a history of reckless driving may end up seeing higher rates than someone who practices safe driving habits. You can find an even more affordable rate if your credit score is good.

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Another crucial factor that determines auto insurance is location. Car insurance providers can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Columbus, GA? The most affordable ZIP code in Columbus, GA, is 31901, and its average car insurance cost is $396 per month.

Columbus male drivers under 25 have the most expensive car insurance rates, but you can find cheap car insurance for young male drivers. Meanwhile, married drivers who are 25 and older pay hundreds of dollars less. To find out more about single vs. married drivers, see the cost of married car insurance vs. single car insurance.

What are the Columbus, GA car insurance rates by company and age?

Columbus, Georgia 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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What are the cheapest Columbus, GA car insurance rates by coverage level?

Your level of coverage will play a significant role in your Columbus, GA auto insurance rates. Depending on the type of coverage that you’re required to have, you could see a decrease in your monthly premium if you end up reducing what you include on your policy. Though if you have a new car, you may not be allowed to drop things like collision coverage or comprehensive coverage, because your provider won’t want to pay out for such an expensive vehicle in the event you’re in an accident or it gets vandalized.

To find out more about both collision and comprehensive coverage, see collision vs. comprehensive: what is the difference?

Find the cheapest Columbus, Georgia auto insurance rates by coverage level below.

What are the cheapest Columbus, GA car insurance rates by credit score?

Your credit score will play a major role in your Columbus, GA auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Having good credit ensures that you’ll have a low annual rate. In some cases it may even mean that you’ll be offered more flexible payment options, since the company will have a higher level of financial trust in you. Some providers even offer a good credit discount for qualified drivers.

What are the cheapest Columbus, GA car insurance rates by driving record?

Your driving record will affect your Columbus auto insurance rates. For example, a Columbus, Georgia DUI may increase your auto insurance rates 40 to 50 percent. This may also lead to a provider instating minimum coverage limits on your policy; the higher risk you pose as a driver means they’ll need to cover their own bases.

Each state has their own DUI laws, so it’s a good idea to understand the Georgia DUI insurance laws.

Read more: What are the DUI insurance laws in Georgia?

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What are the factors affecting car insurance rates in Columbus, GA?

Factors affecting auto insurance rates in Columbus, GA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Columbus, Georgia auto insurance.

These common car insurance factors will increase your car insurance rates in Columbus, GA by the percentage below.

What are the average monthly car insurance rates by age & gender in Columbus, GA?

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

See why is the cost of car insurance higher for teenage boys than teenage girls? for more details about how and why gender can affect insurance rates.

What are the minimum car insurance coverage requirements in Columbus, GA?

Before you can drive in Columbus, the Georgia DMV and Georgia Department of Insurance requires all drivers to carry the minimum auto insurance requirements, which are:

• $25,000 per person and $50,000 per incident for bodily injury liability
• $25,000 per incident for property damage

Georgia has strict motor vehicle laws, so be sure you’re carrying the minimum requirements. Also, consider raising your coverage limit to cut possible out-of-pocket costs.

Be aware that the Columbus, GA DMV will not issue you a driver’s license if you do not meet the state’s minimum auto insurance requirements.

Find out more: what is the minimum car insurance required by each state?

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What affects car insurance rates in Columbus, GA?

Your commute to work and your city’s vehicle theft rate can determine your auto insurance rates. Your chances of getting into an accident go up the more you drive. Vehicle thefts, on the other hand, determine your chances of filing a comprehensive insurance claim.

The city of Columbus, Georgia, didn’t participate in sharing vehicle theft data in 2019. However, NeighborhoodScout reported that Columbus residents have a one in 27 chance of becoming a victim of property crime.

What about your daily drive to work? According to City-Data, the average Columbus, GA, commute is 20 minutes, which is five minutes faster than the national average.

What is the bottom line when it comes to service in Columbus, GA?

You can secure cheap car insurance in Columbus, GA, by maintaining a clean driving record. If you have a good credit history, take advantage of the low prices provided by your auto insurance provider. Safe drivers can end up being offered discounts, while not having to sacrifice valuable coverage to fit a budget.

Also, your vehicle’s safety and anti-theft features can save you money on car insurance.

Before you buy car insurance in Columbus, GA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Columbus, GA car insurance quotes.

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

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