Best Car Insurance Rates in Columbus, Ohio

On average your neighbors pay $57 a month.

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Compare Car Insurance Quotes in Columbus, OH

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 $682.70 a year. The national average cost of coverage is $866.31.

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 Average Annual Car Insurance Rates
Coverage Rates
Liability $388.88
Collision $260.20
Comprehensive $117.58
Total Cost Per Year $682.70
Price Per Month $56.89

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, and find the cheapest rates.

Top 10 Vehicles in Columbus

These are the most common car makes and models owned by Columbus 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
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Columbus

This is our list of 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, OH car insurance companies: AAA, MetLife, Erie, Safeco, USAA, Country Financial, Travelers, 21st Century, Hartford, and Ohio Farm Bureau.

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 28% of the major roads in Columbus are in poor condition. Another 21% are mediocre. These poorly maintained streets costs drivers $566 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 as having the 50th worst traffic congestion in the United States. At least traffic congestion isn't too bad in Columbus. An average commuter spends an extra 21 minutes per hour stuck in traffic during rush hour. An extra 81 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.

Traffic Statistics

The total number of traffic fatalities in Columbus dropped from 58 in 2012 to 33 in 2013.

Total Speeding Tickets Filed 2014

2014 Speeding Tickets
Speeding 18,601
Speed/School Zone < 35 MPH 799
Speed/School Zone > 35 MPH 155

Traffic Citations

All Traffic Violations 2011-2014
2011 2012 2013 2014
91,441 109,856 106,456 144,090  

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.

Legal Minimum Insurance Requirements

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.

Save With Car Insurance Discounts

Are you looking to lower your rates by finding cheap car insurance? These are some of the many auto insurance 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. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  3. Remove full comprehensive coverage from your policy
  4. Maintain at least a B grade point average in school to qualify for the good student discount
  5. Keep your driving history clean. Drivers without tickets or accidents on their record pay lower rates
  6. Live in a safe zip code with low crime where residents file fewer insurance claims
  7. Drive less. Living close to work or taking the bus once in a while can reduce the miles your drive and might qualify you for the low mileage discount
  8. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  9. Take a defensive driving course from an accredited driving safety school
  10. Shop around and compare affordable Columbus auto insurance quotes

Car insurance agents near Columbus, OH:

Sources:

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