Car Insurance in Columbus
Why You Can Trust EverQuote
EverQuote powers millions of shopper requests every month, teaming up with industry-leading insurance specialists to address real-world challenges faced by people every day. We partner with the largest insurance providers in the nation, and our content is carefully crafted by experts and reviewed by licensed insurance agents for accuracy and relevance.
Car Insurance in Columbus, OH
If you're going to Ohio Stadium for the game — or forget it's gameday and get stuck in traffic — when a Buckeye bumps your bumper, you'll be glad you shopped around for affordable car insurance in Columbus, Ohio. Drivers in Ohio's capital (and largest) city could see citations, fines, or worse for failing to provide proof of insurance.
Local laws show that Columbus takes speeding seriously. The city heavily enforces speed limits in several residential areas and has lowered the limit in the downtown district to 25 miles per hour. Beyond this, traffic laws in Columbus follow state law pretty closely. Drivers in Columbus are expected to possess the minimum level of insurance required by Ohio state law.
Comparing car insurance rates is the best way to get the cheapest price for insurance in Columbus, Ohio. Rates vary based on your age, driving record, and location, even down to your zip code. This page can help you compare car insurance rates to find the best price.
How much is car insurance in Columbus, OH?
Car insurance costs in Columbus can vary based on your choice of coverage, driving history, and other factors. While specific rates will depend on individual circumstances, here are the average prices for the three most common types of coverage in Columbus, giving you a sense of what to expect in this area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
+
What are the cheapest cars to insure in Columbus?
Assessing insurance costs for every make and model in Columbus is no small task. But if you're looking for newer vehicles with lower insurance rates, you’re in luck. Here are the top 10 car makes and models known for offering the most affordable insurance premiums in the city:| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $133 |
| 2 | Dodge Grand Caravan | $135 |
| 3 | Honda Cr-V | $136 |
| 4 | Ford F-150 | $142 |
| 5 | Ford Fusion | $142 |
| 6 | Kia Sol | $142 |
| 7 | Jeep Cherokee | $144 |
| 8 | Toyota Tacoma | $145 |
| 9 | Toyota Corolla | $146 |
| 10 | Toyota Rav4 | $149 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of August 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving record has a direct effect on your insurance premium in Columbus. A minor accident or a few speeding tickets can cause your rates to rise, and more severe infractions like a DUI or hit-and-run will have a larger impact. Below is a list detailing how different claims and violations could increase your insurance rates, ranked from least to most severe:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $149 | +0% |
| Not at-fault Accident | $158 | +6% |
| Driving with expired registration | $191 | +28% |
| Speeding Ticket | $199 | +34% |
| At-fault Accident | $244 | +64% |
| DUI | $283 | +90% |
| Hit and Run | $287 | +93% |
| Driving with a suspended license | $295 | +98% |
What car insurance discounts can I get in Columbus?
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $134 | +$15 |
| Paid in Full | $139 | +$10 |
| Multi-Policy Renters | $140 | +$9 |
| Low Mileage | $140 | +$9 |
| Electronic Funds Transfer | $146 | +$3 |
| Paperless | $147 | +$2 |
| Renewal discount | $147 | +$2 |
| None | $149 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.