Best Car Insurance Rates in Columbus, Ohio

On average your neighbors pay $58 a month.

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Columbus, Ohio is a city full of hard-working, practical people. If there was an easy way for city residents to save some money by getting affordable car insurance rates, it makes sense that they’d be interested. Well, there is.

Average Columbus Car Insurance Rates

How much is car insurance in Columbus, OH? Residents shouldn't be surprised to learn that average car insurance rates in Columbus are higher than both the state and national averages. The average cost of auto insurance in Ohio is $702.59 a year. The national average cost is $889.01.

Prices may vary depending on the number of claims filed in your zip code, your age, type of car you drive, and your driving history.

Ohio (OH) Average Annual Car Insurance Rates
Coverage Rates
Liability $388.88
Collision $260.20
Comprehensive $117.58
Total Cost Per Year $702.59
Price Per Month $58.54
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Ohio insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, Ohio car insurance rates increased from $619 in 2011 to $702 in 2015, a jump of $82, or 13.37 percent.

Ohio average car insurance rates

QuoteWizard helps consumers compare quotes from top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Columbus, Ohio and save up to 40% on your premium.

Last year, 20,643 people used QuoteWizard to get an auto insurance quotes comparison in Columbus, OH from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Columbus, OH

These are the most common car insurance companies reported by 20,643 QuoteWizard users living in Columbus, OH last year. 3,805 of these users did not have insurance when they requested a quote.

Other popular Columbus insurance companies: AAA, MetLife, Erie, Safeco, USAA, Country Financial, Travelers, 21st Century, and Ohio Farm Bureau.

Top 10 Vehicles

These are the most common car makes and models owned by Columbus, Ohio drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Chevrolet Impala LS
  3. Ford F150
  4. Ford Taurus
  5. Honda Civic EX/LX
  6. Chevrolet Cavalier
  7. Chevrolet Malibu LS
  8. Chevrolet Blazer
  9. Hyundai Sonata GLS
  10. Ford Mustang
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Minimum Car Insurance Requirements in Columbus, OH

Columbus, Ohio, drivers are required to maintain minimum liability coverage known as the 25/50/25 rule. This rule states that each policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum your carrier will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The max insurers will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The most your insurance company will pay for property damage caused by a car accident.

Columbus Drivers

Columbus ranked 128th out of 200 cities in Allstate Insurance's America's Safe Drivers report. Most US drivers go ten years between accidents. Drivers here have car accidents every 8.2 years. 20,643 Columbus drivers requested quotes through last year through QuoteWizard. 1,691 of them reported some kind of incident on their driving record.

Columbus drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather and road conditions are factors that affect insurance rates.

Weather

Summers in Columbus are hot and humid. Winters are cold and dry. It doesn’t rain a great deal, but there are about 139 days a year with measurable precipitation. It rains throughout the year. This means you can expect a wet commute about once every three days. There's snow too, but Columbus is far enough south of the Great Lakes to avoid lake-effect snow. Even so, there are still close to 30 snowy days a year.

Road Conditions

TRIP reports that 24 percent of the major roads in Columbus are in poor condition. Another 24 percent are mediocre. These poorly maintained streets costs drivers $557 a year in extra vehicle operating costs. Rough roads also drive up transportation costs through wear, tear and damage to cars. They're also a contributing factor in car accidents.

Traffic Congestion

TomTom ranks Columbus, Ohio 164th in the world for worst traffic congestion. At least traffic congestion isn't too bad in Columbus. An average commuter spends an extra 22 minutes per day stuck in traffic during rush hour. An extra 85 hours per year is wasted for those with 30-minute commutes.

Moving Violations

Moving violations like drunk driving, failure to yield, at-fault accidents, and speeding can add points to your driver's license and increase your car insurance rates. Drivers with too many incidents on their driving record can have their status changed to non-standard or high-risk driver.

Traffic Tickets

The Franklin County Municipal Court website lets you pay traffic citations in Columbus. It also tells drivers how to fight tickets, and has helpful traffic court information.

SR-22 OVI Insurance

An OVI may require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Columbus OVI insurance.

Vehicle Theft Rates

Columbus police reported 3,120 vehicle thefts in 2016. This is rate of 3.67per 1,000 residents.

Car Insurance Discounts

Are you looking to lower your rates by finding more affordable car insurance? These are some of the many discounts available to Columbus, OH drivers. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. The average commute time in Columbus is 20.8 minutes. Drivers with short commutes can qualify for low-mileage discounts.
  2. Columbus’ auto theft rate is substantially higher than the national average. If you live in an area that is safer than the average, many insurance companies offer a discount for lower-risk areas.
  3. Columbus is the home of Ohio State University, one of the biggest universities in the country. If you’re enrolled(and getting good grades), ask your agent about a good student discount.
  4. Already have life, home, or renters insurance? See what kind of bundling deal your insurer provides if you combine it with an auto policy.
  5. Our study found that Columbus drivers Columbus is one of America's worst driving cities. But if you have a spotless driving record, you can qualify for a good driver discount.

Car insurance agents near Columbus, OH:

Sources:

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