Best Cheap Car Insurance in Columbus, Ohio

Best Cheap Car Insurance in Columbus, Ohio

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The average cost of a minimum coverage auto insurance policy in Columbus, Ohio, is $641 per year. State Farm has the cheapest minimum coverage policy at a rate of $531 per year. Westfield is a close second with a rate of $544 per year.

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Car insurance rates can vary significantly depending on your background and driving history. It is best to compare quotes from various insurers in order to find the best policy.

Best cheap car insurance in Columbus, Ohio

The cheapest minimum coverage car insurance policy in Columbus is offered by State Farm at a rate of $531 per year. This is $110 cheaper than the average rate among all insurers in Columbus. Westfield is also a great cheap option at a rate of $544 per year.

best cheap car insurance in Columbus Ohio

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The minimum coverage rates we analyzed for this study ranged from $531 to $888 per year.

Rank
Company
Annual rate
1State Farm$531
2Westfield$544
3Geico$549
4Nationwide$554
5Erie$554
6Grange$715
7Progressive$790
8Allstate$888
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Cheapest full coverage policy in Columbus, Ohio

Full coverage auto insurance refers to a policy that includes liability coverage as well as collision and comprehensive insurance. If you are seeking a full coverage policy, the cheapest option is offered by Geico for a rate of $1,217 per year. State Farm has the second-cheapest offer at $1,234, and Nationwide is third with a rate of $1,297 per year.

Rank
Company
Annual rate
1Geico$1,217
2State Farm$1,234
3Nationwide$1,297
4Westfield$1,608
5Erie$1,956
6Grange$2,060
7Progressive$2,120
8Allstate$2,539
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Cheapest insurance for young drivers in Columbus

Policies for young drivers are more expensive due to these drivers' inexperience and tendency to get into more accidents. On average, a full coverage policy for an 18-year-old driver in Columbus costs $4,250 more than the same full coverage policy for a 30-year-old. The three cheapest insurers for young drivers are Geico, State Farm and Erie.

Rank
Company
Annual rate
1Geico$3,516
2State Farm$3,991
3Erie$4,984
4Nationwide$5,395
5Westfield$6,177
6Grange$7,668
7Progressive$7,993
8Allstate$8,305
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Best rates for drivers with prior incidents

A driver with prior incidents on their record such as an accident, speeding ticket or DUI will most likely have to pay a higher rate compared to drivers with a clean record. Check below to see the cheapest policy for each of the following incidents.

Cheapest car insurance in Columbus, Ohio if you have an accident on your record

The cheapest full coverage policy for a driver with an at-fault accident on their record is from State Farm at a rate of $1,478 per year. On average, drivers in Columbus with an accident on record have to pay $760 more per year for a full coverage policy. This is $311 more than the state average increase for a driver with an accident.

Rank
Company
Annual rate
1State Farm$1,478
2Westfield$1,747
3Nationwide$1,924
4Geico$2,348
5Erie$2,429
6Grange$2,823
7Progressive$3,116
8Allstate$4,241
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Cheapest car insurance for people with a speeding ticket

Similar to drivers with an accident, drivers with a speeding ticket are considered more at-risk by insurers and therefore have more expensive rates. The cheapest full coverage rate for a driver in Columbus with a speeding ticket on their record is offered by State Farm at $1,356 per year.

The only auto insurers in Columbus that don't have an increased rate for drivers with a speeding ticket are Westfield and Erie.

Rank
Company
Annual rate
1State Farm$1,356
2Geico$1,537
3Westfield$1,608
4Erie$1,956
5Grange$2,119
6Nationwide$2,119
7Progressive$2,638
8Allstate$3,230
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Cheapest car insurance for drivers with a DUI in Columbus

Car insurance for drivers with a DUI is usually much more expensive. The average rate in Columbus for drivers with a DUI is $978 more. The cheapest full coverage rate for a driver with a DUI in Columbus is offered by State Farm at $1,356 per year. This is $1,012 less than the second-cheapest option, which is offered by Progressive at $2,368 per year.

Rank
Company
Annual rate
1State Farm$1,356
2Progressive$2,368
3Nationwide$2,463
4Grange$2,698
5Geico$2,754
6Erie$2,905
7Allstate$3,606
8Westfield$3,707
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Cheapest car insurance in Columbus by ZIP code

While most insurance rates tend to be fairly consistent across a city, some specific areas can be more expensive based on a wide range of factors including population density, traffic and crime. Among the average rates for full coverage across different ZIP codes in Columbus, there is a range of $284.

ZIP code
Average annual insurance cost
43004$1,740
43016$1,651
43017$1,670
43026$1,704
43035$1,643
43054$1,676
43065$1,670
43068$1,735
43081$1,687
43085$1,683
43110$1,732
43119$1,688
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Our methodology

For this analysis, we pulled rates from eight of the most popular auto insurers in Columbus, Ohio. Unless otherwise noted, we used a single 30-year-old driver with no accidents, DUIs or speeding tickets to calculate the average full coverage policy rates.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should only be used for comparison purposes. Quotes from these insurers may vary.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.