Who Has the Best Car Insurance Rates in Columbus, Georgia?
Find Cheap Auto Insurance Quotes in Columbus
Auto-Owners has the cheapest minimum-coverage car insurance in Columbus, Ga., with an average rate of $33 per month, which is $18 per month less than the city average.
Drivers pay a bit less than the state average in one of Georgia's largest metro areas, which straddles the Alabama border. Full-coverage rates in Columbus are less than 3% below the state average.
Best cheap car insurance quotes in Columbus, Ga.
You should always get quotes from multiple insurers and compare them before selecting a policy. Depending on your background and driving history, your rates may vary.
Cheapest car insurance in Columbus: Auto-Owners
Auto-Owners offers the cheapest minimum-liability car insurance rates in Columbus.
The company's average rate of $33 per month is 35% cheaper than the city overall.
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However, you only get the lowest level of protection with minimum liability coverage. That means in the event of an accident, all of your costs may not be covered. We suggest you purchase as much coverage as you can, especially to protect an expensive vehicle.
Cheapest minimum-coverage car insurance in Columbus, Georgia
Company | Monthly rate | |
|---|---|---|
| Auto-Owners | $33 |
| Progressive | $49 |
| Farm Bureau | $49 |
| Geico | $55 |
| State Farm | $65 |
| Allstate | $66 |
| USAA | $39 |
*USAA is only available to current and former military members and their families.
Cheapest full-coverage car insurance in Columbus: Auto-Owners
Auto-Owners has the cheapest widely-available full-coverage car insurance in Columbus. Farm Bureau has the next-lowest rates in the city.
At $102 per month, Auto-Owners rates are $11 per month less than Farm Bureau. USAA offered the lowest rates overall, but the company's policies are only available to members of the military, veterans and some of their family members.
Company | Monthly rate |
|---|---|
| Auto-Owners | $102 |
| Farm Bureau | $113 |
| State Farm | $124 |
| Geico | $131 |
| Allstate | $137 |
| Progressive | $152 |
| USAA | $94 |
*USAA is only available to current and former military members and their families.
The average rates in Columbus are 3% less than Georgia overall.
Full-coverage auto insurance differs from minimum coverage because it has higher liability limits and includes collision and comprehensive coverages. Those coverages protect a driver's own car in several situations.
- Comprehensive coverage: covers damage due to theft, natural disasters and other events outside the driver's control, sometimes called "acts of God".
- Collision coverage: covers damage to a vehicle that results from hitting another vehicle or object.
Cheapest car insurance for drivers with prior incidents
Auto-Owners, Farm Bureau and State Farm offer some of the cheapest car insurance rates for drivers with incidents like an at-fault accident, DUI or speeding ticket.
Cheapest car insurance after a speeding ticket: Auto-Owners
Auto-Owners offer the best rates in Columbus for drivers with a speeding ticket looking for full-coverage car insurance. The company's rate of $102 per month is 28% cheaper than average, and 18% less expensive than Farm Bureau, the second-cheapest company.
Company | Monthly rate |
|---|---|
| Auto-Owners | $102 |
| Farm Bureau | $124 |
| State Farm | $133 |
| Allstate | $155 |
| Geico | $157 |
On average, a speeding ticket raises Columbus drivers' rates by 16%, or $19 per month.
Cheapest car insurance after an accident: Farm Bureau
Farm Bureau offers Columbus's best full-coverage rates after an at-fault accident. The company's average rate of $124 per month is 30% cheaper than the city average.
Company | Monthly rate |
|---|---|
| Farm Bureau | $124 |
| Auto-Owners | $137 |
| State Farm | $144 |
| Allstate | $211 |
| Geico | $231 |
Farm Bureau increases rates 10% from the cost with a clean record. An accident raises Columbus drivers' rates 44% on average.
Cheapest car insurance after a DUI: State Farm
State Farm has the cheapest full-coverage car insurance for Columbus drivers after a DUI, at $132 per month. That's 29% less than the next-cheapest company, Allstate.
Company | Monthly rate |
|---|---|
| State Farm | $132 |
| Allstate | $185 |
| Auto-Owners | $193 |
| Progressive | $204 |
| Farm Bureau | $219 |
In Columbus, a DUI increases the full-coverage insurance rate 77%, or $94 per month.
Cheapest car insurance for drivers with poor credit: Farm Bureau
Farm Bureau has the best rates for drivers with poor credit in Columbus. The company's average rate is $113 per month, 44% less than the city average.
Company | Monthly rate |
|---|---|
| Farm Bureau | $113 |
| Geico | $187 |
| Allstate | $206 |
| Progressive | $233 |
| State Farm | $246 |
Despite the fact your credit score isn't connected to your driving ability, poor credit raises rates for Columbus drivers by 66%, more than a ticket or accident.
Cheapest car insurance for young drivers in Columbus: Auto-Owners
Auto-Owners has the lowest rates for teen drivers in Columbia for both minimum and full coverage. The company's average rate of $124 per month for liability coverage and $301 per month for full coverage are each 27% cheaper than average.
Insurers usually consider young drivers to be considerably riskier than older, more experienced drivers. In Columbus, 18-year-old drivers pay more than three times as much as 30-year-old drivers.
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $124 | $301 |
| Farm Bureau | $162 | $361 |
| Geico | $189 | $398 |
| State Farm | $226 | $391 |
| Allstate | $229 | $500 |
Some good options for young drivers looking to lower their insurance costs include:
-
Joining a parent's car insurance policy: this typically increases the price of the parent's policy, but it should still save a considerable amount compared to having separate policies.
- Maximizing discounts: speak with your insurer about which discounts you're eligible for. Some notable options include discounts for good grades, avoiding accidents and safe driving.
Cheapest car insurance for young drivers after an incident
Auto-Owners has the cheapest car insurance in Columbus for young drivers after a speeding ticket, while Farm Bureau has the lowest rates after an accident.
Auto-Owners' average rate of $124 per month for 18-year-olds after an accident is 40% cheaper than the city average. Farm Bureau has rates that are 23% cheaper than average after an accident, $179 per month.
Company | Speeding rate | Accident rate |
|---|---|---|
| Auto-Owners | $124 | $183 |
| Farm Bureau | $179 | $179 |
| Geico | $226 | $265 |
| State Farm | $244 | $270 |
| Allstate | $268 | $314 |
Cheapest car insurance for married drivers: Auto-Owners
Auto-Owners has Columbus's best rates for married drivers in Columbus, despite not giving a discount. Progressive has the largest discount, at 22%.
Company | Monthly rate |
|---|---|
| Auto-Owners | $102 |
| Farm Bureau | $113 |
| Geico | $117 |
| Progressive | $119 |
| State Farm | $124 |
Insurers tend to see married drivers as less risky, and they often pay lower rates as a result. Married drivers in Columbus pay 7% less than single drivers.
Best car insurance companies in Columbus
USAA has the highest-rated car insurance in Columbus, Georgia, thanks to a strong combination of customer service, coverage flexibility and low rates.
USAA is well rated by J.D. Power and receives a low number of complaints relative to its size, according to the National Association of Insurance Commissioners, or NAIC. The biggest downside of USAA is that it's only available to military service members, veterans and some of their family members.
If you cannot get a USAA policy, Auto-Owners, Farm Bureau and State Farm all receive high ratings from ValuePenguin's editors.
Company |
Editor's rating
|
|---|---|
| Auto-Owners | |
| Farm Bureau | |
| State Farm | |
| USAA | |
| Geico | |
| Allstate | |
| Progressive |
Although you might not factor in customer service when buying a new policy, you should consider that a crucial aspect of a company. Good customer service can save you hassle, time and possibly money if you have to make a claim to get your car back on the road.
Average car insurance rates in Columbus by neighborhood
The least expensive area in Columbus for car insurance is ZIP code 31905, which includes the southern part of the city and Fort Benning.
The most expensive is ZIP code 31901, the heart of downtown, next to the Chattahoochee River.
A relatively small city, Columbus has a difference of only $7 per month between the cheapest and most expensive ZIP codes. Factors such as density, traffic and crime may make coverage more or less expensive in a given area.
City | Average monthly rate | Percent from average |
|---|---|---|
| 31808 | $122 | 0% |
| 31820 | $123 | 1% |
| 31901 | $124 | 2% |
| 31903 | $124 | 1% |
| 31904 | $122 | 0% |
Methodology
ValuePenguin collected data from the largest insurers in Georgia. Rates are for a 30-year-old male who drives a 2015 Honda Civic EX. The driver has good credit, unless otherwise stated. Rates are for a full-coverage policy, unless otherwise noted.
The analysis uses insurance rate data from Quadrant Information Services that is publicly sourced from insurer filings. Rates should be used for comparative purposes only, as your rates will likely differ.