The best car insurance in Columbus, GA

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 8, 2021

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The average cost for full coverage car insurance in Columbus is $1,729 per year, which is comparable to Georgia’s state average of $1,710. However, insurance rates are different for everyone, and factors like your age, location, and the car you drive all go into calculating your specific rates. 

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Policygenius can help you see quotes from top companies so you can choose the coverage that works best for you. The cheapest company for one driver won’t be the best rate for another, which is why it’s so important to compare options.

Key Takeaways

  • Auto-Owners Insurance has the lowest average rates in Columbus for full coverage car insurance at $858 per year.

  • The cheapest ZIP code for car insurance in Columbus is 31820.

  • Drivers in Georgia must have at least $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability.

Cheapest car insurance companies in Columbus, GA

No two people are alike, and that is why no one pays the same exact rates for their car insurance. Insurance companies use the same information to set rates, but how companies use personal data varies by company. That’s why it’s so important to shop around and get quotes from multiple companies before you buy a policy.

Company

Average cost

JD Power Rating

Auto-Owners Insurance

$858

890

USAA

$1,118

890

GEICO

$1,296

871

Nationwide

$1,461

876

Georgia Farm Bureau

$1,527

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Cheapest car insurance rates by ZIP code in Columbus, GA

Your ZIP code is one of the biggest factors insurance companies use to set car insurance rates. Local factors like the number of stolen vehicles, accidents, and tickets handed out in your neighborhood help determine your risk of filing a claim. Below are the cheapest average rates by ZIP code in Columbus.

ZIP code

Average cost

31820

$1,715

31901

$1,720

31903

$1,722

31904

$1,735

31906

$1,740

31907

$1,742

31909

$1,730

Choosing the right car insurance company in Columbus, GA

What’s important to you when considering insurance for your family — are you looking for excellent customer service and don’t mind paying more for it, or do you want the most affordable coverage you can find? Do you prefer a company with perks like accident forgiveness?

Policygenius can help you see quotes from top companies and find insurance that’s tailored to your needs. Answer a few questions and you’ll get fast access to your options.

Car insurance rates for drivers with driving violations in Columbus, GA

Too many points on your driving history can signify to insurance companies that you’re a risky driver and are more likely to be involved in an accident. Some violations, like a DUI, have a more serious impact on your car insurance prices than others.

Violation

Auto-Owners Insurance

USAA

GEICO

Nationwide

Georgia Farm Bureau

At-fault Accident

$1,127

$1,676

$2,049

$2,605

$1,875

DUI

$1,569

$2,360

$4,041

$3,207

$3,117

Driving with a suspended license

$1,569

$2,235

$2,504

$3,207

$3,117

Driving with an open container

$1,569

$1,731

$1,335

$3,207

$3,117

Driving with expired registration

$851

$1,458

$1,335

$1,830

$1,529

Driving without Lights

$851

$1,458

$1,335

$1,830

$1,529

Failure to show documents

$851

$1,458

$1,335

$1,830

$1,529

Failure to stop at a red light

$851

$1,458

$1,335

$1,830

$1,529

Cheapest car insurance for drivers with bad credit in Columbus, GA

If you’ve had trouble paying your bills on time or have filed for bankruptcy, your insurance rates could be more than double compared to someone with a high credit score. To lower your rates, work to improve your credit rating by paying your bills on time, paying down debts and establishing new lines of credit.

Company

Rates for drivers with bad credit

GEICO

$1,595

Nationwide

$2,055

USAA

$2,125

Auto-Owners Insurance

$2,190

Safeway Insurance

$2,545

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Buying car insurance in Columbus, GA

Georgia state law says that in order to drive on public roads, drivers must have the following minimum liability insurance requirements:

  • Bodily Injury Liability Coverage per person: $25,000

  • Bodily Injury Liability Coverage per accident: $50,000 

  • Property Damage Liability Coverage: $25,000

  • Motor vehicle owners and lessees are required by law to maintain continuous Georgia liability insurance coverage on vehicles with active registrations.

Georgia is a fault state when it comes to car accidents. That means that after an accident, the insurance company of the at-fault driver is responsible for covering everyone’s damage or medical bills. That’s why it’s so important to have high liability limits — otherwise you could have to pay out of pocket for expensive repairs or hospital bills after a crash.

How to get cheap car insurance in Columbus, GA

Car insurance is expensive, but many companies offer discounts. Here are some of the most common:

  • Safe-driver discount: For drivers with no accident claims during a specified period or who take a defensive driving course.

  • Military discount: A discount for active-duty service members and their families

  • Bundling discount: For getting multiple policies, like home and auto or auto and motorcycle, with the same insurer 

  • Low mileage discount: For drivers who travel fewer than 7,500 miles yearly

If these discounts don’t apply to you, shopping around for car insurance is still a great way to save money.

Frequently asked questions

I’m married but getting a divorce, will my rates change?

Married couples often pay slightly less for car insurance, so your rates could be higher after you’re no longer married. But the change probably won’t be significant.

My car payment was late last month, will that cause my insurance to go up?

A single late payment shouldn’t affect your rates. But multiple late payments could show up on your credit score, and that could increase your rates.

I moved across the street, does that affect my car insurance?

Moving across the street probably won’t increase your rates — although it can. Especially if your parking changed from on-street to garage or if moving across the street means your ZIP code changed.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.