Who Has the Best Car Insurance Rates in Columbus, Georgia?

Auto-Owners has the cheapest full-coverage car insurance in Columbus, at $102 per month.

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Best cheap car insurance companies in Columbus

You should always get quotes from multiple insurers and compare them before selecting a policy. Depending on your background and driving history, your rates may vary.

Cheapest car insurance in Columbus: Auto-Owners

Auto-Owners has the cheapest widely-available full-coverage car insurance in Columbus. Farm Bureau has the next-lowest rates in the city.

At $102 per month, Auto-Owners rates are $11 per month less than Farm Bureau. USAA offered the lowest rates overall, but the company's policies are only available to members of the military, veterans and some of their family members.

Cheapest full-coverage car insurance in Columbus

Company
Monthly rate
Auto-Owners logo
Auto-Owners$102
Farm Bureau logo
Farm Bureau$113
State Farm logo
State Farm$124
Geico logo
Geico$131
Allstate logo
Allstate$137
Progressive logo
Progressive$152
USAA logo
USAA$94

*USAA is only available to current and former military members and their families.

The average rates in Columbus are 3% less than Georgia overall.


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Cheapest liability insurance quotes in Columbus: Auto-Owners

Auto-Owners offers the cheapest minimum-liability car insurance rates in Columbus.

The company's average rate of $33 per month is 35% cheaper than the city overall.

This graph lists cheapest insurance rates in Columbus, Georgia

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Cheapest minimum-coverage car insurance in Columbus, Georgia

Company
Monthly rate
Auto-Owners logo
Auto-Owners$33
Progressive logo
Progressive$49
Farm Bureau logo
Farm Bureau$49
Geico logo
Geico$55
State Farm logo
State Farm$65
Show All Rows

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers in Columbus: Auto-Owners

Auto-Owners has the lowest rates for teen drivers in Columbia for both minimum and full coverage. The company's average rate of $124 per month for liability coverage and $301 per month for full coverage are each 27% cheaper than average.

Insurers usually consider young drivers to be considerably riskier than older, more experienced drivers. In Columbus, 18-year-old drivers pay more than three times as much as 30-year-old drivers.

Cheapest car insurance for young drivers

Company
Liability only
Full coverage
Auto-Owners$124$301
Farm Bureau$162$361
State Farm$226$391
Geico$189$398
Allstate$229$500
Show All Rows

Some good options for young drivers looking to lower their insurance costs include:

  • Joining a parent's car insurance policy: this typically increases the price of the parent's policy, but it should still save a considerable amount compared to having separate policies.
  • Maximizing discounts: speak with your insurer about which discounts you're eligible for. Some notable options include discounts for good grades, avoiding accidents and safe driving.

Cheapest car insurance after a speeding ticket: Auto-Owners

Auto-Owners offer the best rates in Columbus for drivers with a speeding ticket looking for full-coverage car insurance. The company's rate of $102 per month is 28% cheaper than average, and 18% less expensive than Farm Bureau, the second-cheapest company.

Cheapest car insurance after a speeding ticket

Company
Monthly rate
Auto-Owners$102
Farm Bureau$124
State Farm$133
Allstate$155
Geico$157
Show All Rows

On average, a speeding ticket raises Columbus drivers' rates by 16%, or $19 per month.

Cheapest car insurance after an accident: Farm Bureau

Farm Bureau offers Columbus's best full-coverage rates after an at-fault accident. The company's average rate of $124 per month is 30% cheaper than the city average.

Cheapest car insurance after an accident in Columbus

Company
Monthly rate
Farm Bureau$124
Auto-Owners$137
State Farm$144
Allstate$211
Geico$231
Show All Rows

Farm Bureau increases rates 10% from the cost with a clean record. An accident raises Columbus drivers' rates 44% on average.

Cheapest car insurance after a DUI: State Farm

State Farm has the cheapest full-coverage car insurance for Columbus drivers after a DUI, at $132 per month. That's 29% less than the next-cheapest company, Allstate.

Cheapest car insurance after a DUI

Company
Monthly rate
State Farm$132
Allstate$185
Auto-Owners$193
Progressive$204
Farm Bureau$219
Show All Rows

In Columbus, a DUI increases the full-coverage insurance rate 77%, or $94 per month.

Cheapest car insurance for Columbus drivers with poor credit: Farm Bureau

Farm Bureau has the best rates for drivers with poor credit in Columbus. The company's average rate is $113 per month, 44% less than the city average.

Cheapest car insurance for drivers with poor credit

Company
Monthly rate
Farm Bureau$113
Geico$187
Allstate$206
Progressive$233
State Farm$246
Show All Rows

Despite the fact your credit score isn't connected to your driving ability, poor credit raises rates for Columbus drivers by 66%, more than a ticket or accident.

Cheapest car insurance for young drivers after an incident in Columbus: Auto-Owners & Farm Bureau

Auto-Owners has the cheapest car insurance in Columbus for young drivers after a speeding ticket, while Farm Bureau has the lowest rates after an accident.

Auto-Owners' average rate of $124 per month for 18-year-olds after an accident is 40% cheaper than the city average. Farm Bureau has rates that are 23% cheaper than average after an accident, $179 per month.

Cheapest car insurance for young drivers after an incident

Company
Speeding rate
Accident rate
Auto-Owners$124$183
Farm Bureau$179$179
Geico$226$265
State Farm$244$270
Allstate$268$314
Show All Rows

Cheapest car insurance for married drivers: Auto-Owners

Auto-Owners has Columbus's best rates for married drivers in Columbus, despite not giving a discount. Progressive has the largest discount, at 22%.

Company
Monthly rate
Auto-Owners$102
Farm Bureau$113
Geico$117
Progressive$119
State Farm$124
Show All Rows

Insurers tend to see married drivers as less risky, and they often pay lower rates as a result. Married drivers in Columbus pay 7% less than single drivers.


Best car insurance companies in Columbus

USAA has the highest-rated car insurance in Columbus, Georgia, thanks to a strong combination of customer service, coverage flexibility and low rates.

USAA is well rated by J.D. Power and receives a low number of complaints relative to its size, according to the National Association of Insurance Commissioners, or NAIC. The biggest downside of USAA is that it's only available to military service members, veterans and some of their family members.

If you cannot get a USAA policy, Auto-Owners, Farm Bureau and State Farm all receive high ratings from ValuePenguin's editors.

Company
Editor's rating
Auto-Owners
Farm Bureau
State Farm
USAA
Geico
Allstate
Progressive

Although you might not factor in customer service when buying a new policy, you should consider that a crucial aspect of a company. Good customer service can save you hassle, time and possibly money if you have to make a claim to get your car back on the road.

Average car insurance rates in Columbus by neighborhood

The least expensive area in Columbus for car insurance is ZIP code 31905, which includes the southern part of the city and Fort Benning.

The most expensive is ZIP code 31901, the heart of downtown, next to the Chattahoochee River.

A relatively small city, Columbus has a difference of only $7 per month between the cheapest and most expensive ZIP codes. Factors such as density, traffic and crime may make coverage more or less expensive in a given area.

City
Average monthly rate
Percent from average
31808$1220%
31820$1231%
31901$1242%
31903$1241%
31904$1220%
Show All Rows

What's the best car insurance coverage in Columbus, GA?

You only get the lowest level of protection with minimum liability coverage. That means in the event of an accident, all of your costs may not be covered. We suggest you purchase as much coverage as you can, especially to protect an expensive vehicle.

Full-coverage auto insurance differs from minimum coverage because it has higher liability limits and includes collision and comprehensive coverages. Those coverages protect a driver's own car in several situations.

  • Comprehensive coverage: covers damage due to theft, natural disasters and other events outside the driver's control, sometimes called "acts of God".
  • Collision coverage: covers damage to a vehicle that results from hitting another vehicle or object.

Methodology

ValuePenguin collected data from the largest insurers in Georgia. Rates are for a 30-year-old male who drives a 2015 Honda Civic EX. The driver has good credit, unless otherwise stated. Rates are for a full-coverage policy, unless otherwise noted.

The analysis uses insurance rate data from Quadrant Information Services that is publicly sourced from insurer filings. Rates should be used for comparative purposes only, as your rates will likely differ.

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.