The average cost for full coverage car insurance in Columbus is $1,645 per year, which is more expensive than Georgia’s state average of $1,625. 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.
Policygenius can help you compare 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.
Methodology & why you can trust our rates
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: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
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.
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 | $1,116 | 865 |
USAA | $1,132 | 890 |
Central Insurance | $1,236 | -- |
COUNTRY Financial | $1,310 | -- |
GEICO | $1,401 | 874 |
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 | $1,624 |
31901 | $1,643 |
31909 | $1,643 |
31907 | $1,646 |
31903 | $1,651 |
31906 | $1,651 |
31904 | $1,656 |
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 | Central Insurance | COUNTRY Financial | GEICO |
|---|---|---|---|---|---|
At-fault accident | $1,483 | $1,697 | $1,951 | $1,826 | $2,190 |
DUI | $2,088 | $2,378 | $2,729 | $2,235 | $4,282 |
Suspended license | $2,088 | $2,255 | $2,729 | $2,235 | $2,663 |
Open container | $1,106 | $1,748 | $2,729 | $1,891 | $1,442 |
Expired registration | $1,106 | $1,474 | $1,594 | $1,891 | $1,442 |
Driving without lights | $1,106 | $1,474 | $1,684 | $1,891 | $1,442 |
Running a red light | $1,106 | $1,474 | $1,684 | $1,891 | $1,442 |
Following too closely | $1,106 | $1,474 | $1,684 | $1,891 | $1,442 |
Hit and run | $2,088 | $2,503 | $2,729 | $2,235 | $4,282 |
Not-at-fault accident | $1,106 | $1,195 | $1,323 | $1,441 | $1,280 |
Passing a school bus | $1,224 | $1,748 | $1,684 | $1,891 | $2,663 |
Reckless driving | $2,088 | $1,748 | $2,729 | $2,235 | $2,663 |
Speeding | $1,420 | $1,474 | $1,684 | $1,891 | $2,663 |
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 | $1,721 |
Nationwide | $2,047 |
COUNTRY Financial | $2,058 |
USAA | $2,153 |
Allstate | $2,293 |
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
What is minimum insurance coverage in Georgia?
Georgia state law requires drivers to have a minimum of 25/50/25 in liability car insurance. Full coverage isn't required by law, but drivers who have a lease or loan may be required by their contract to have both comprehensive and collision insurance.
Is car insurance in Georgia expensive?
Car insurance rates in Georgia are slightly higher than the national average, but drivers can still save money on car insurance by comparing quotes from multiple companies.
Is Georgia an at-fault state?
Georgia is an a-fault state, which means that the driver who is responsible for an accident is financially responsible for all bodily injury and property damage costs caused by that accident. If you are at fault for an accident and don't have enough liability insurance, you will be required to pay the additional costs out of pocket.
How much is car insurance per month in Georgia?
The average cost of car insurance in Georgia is $135 per month, or $1,625 per year.
