Best Cheap Car Insurance in Columbus, Ohio
Best Cheap Car Insurance in Columbus, Ohio
Compare Car Insurance Rates in Columbus
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.
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.
Compare Car Insurance Rates in Columbus
The minimum coverage rates we analyzed for this study ranged from $531 to $888 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $531 |
| 2 | Westfield | $544 |
| 3 | Geico | $549 |
| 4 | Nationwide | $554 |
| 5 | Erie | $554 |
| 6 | Grange | $715 |
| 7 | Progressive | $790 |
| 8 | Allstate | $888 |
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 |
|---|---|---|
| 1 | Geico | $1,217 |
| 2 | State Farm | $1,234 |
| 3 | Nationwide | $1,297 |
| 4 | Westfield | $1,608 |
| 5 | Erie | $1,956 |
| 6 | Grange | $2,060 |
| 7 | Progressive | $2,120 |
| 8 | Allstate | $2,539 |
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 |
|---|---|---|
| 1 | Geico | $3,516 |
| 2 | State Farm | $3,991 |
| 3 | Erie | $4,984 |
| 4 | Nationwide | $5,395 |
| 5 | Westfield | $6,177 |
| 6 | Grange | $7,668 |
| 7 | Progressive | $7,993 |
| 8 | Allstate | $8,305 |
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 |
|---|---|---|
| 1 | State Farm | $1,478 |
| 2 | Westfield | $1,747 |
| 3 | Nationwide | $1,924 |
| 4 | Geico | $2,348 |
| 5 | Erie | $2,429 |
| 6 | Grange | $2,823 |
| 7 | Progressive | $3,116 |
| 8 | Allstate | $4,241 |
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 |
|---|---|---|
| 1 | State Farm | $1,356 |
| 2 | Geico | $1,537 |
| 3 | Westfield | $1,608 |
| 4 | Erie | $1,956 |
| 5 | Grange | $2,119 |
| 6 | Nationwide | $2,119 |
| 7 | Progressive | $2,638 |
| 8 | Allstate | $3,230 |
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 |
|---|---|---|
| 1 | State Farm | $1,356 |
| 2 | Progressive | $2,368 |
| 3 | Nationwide | $2,463 |
| 4 | Grange | $2,698 |
| 5 | Geico | $2,754 |
| 6 | Erie | $2,905 |
| 7 | Allstate | $3,606 |
| 8 | Westfield | $3,707 |
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 |
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.
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.