One of the more important criteria that are used to help calculate insurance cost is where you live in Columbus. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.
The next table lists the most expensive cities in Ohio to buy an auto insurance policy in. Columbus comes in at #3 with an annual rate of $1,247 for the average insured, which is around $104 monthly.
|Rank||City||Premium Per Year|
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Annual rates are approximated as the garaging address in Columbus can impact insurance rates significantly.
Considering where Columbus ranks on price, comparing quotes for affordable insurance is not easy, and finding out which company has the cheapest car insurance rates in Columbus will require even more work. Each auto insurer uses a little different formula to establish rates, so first let's look at the rankings for the car insurance companies with the overall best prices in Columbus.
It's important that you understand Ohio car insurance rates are determined by lots of factors that can increase the policy price. This is why Columbus drivers need to do a thorough rate comparison when trying to get the most economical insurance quotes in Columbus. Car insurance prices are impacted by many things and change dramatically, so the most affordable company the last time you shopped your coverage around may now be one of the more expensive options.
Cheapest Insurance Rates in Columbus
|Rank||Company||Cost Per Year|
|8||Merchants Insurance Group||$755|
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Utica National may have some of the lowest car insurance rates in Columbus at around $654 per year. This is $386 less than the average rate paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers also are some of the most economical Columbus, OH car insurance companies.
As shown in the table above, if you have coverage with Frankenmuth and switched to Utica National, you might achieve a yearly price reduction of in the vicinity of $47. Drivers with Travelers may save as much as $51 a year, and USAA customers might lower prices by $65 a year.
Remember that these policy rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code in Columbus. So the auto insurance company that fits your needs best may not even be in the top 33 companies shown above. That affirms the importance of why you need to get car insurance quotes using your own driver data and vehicle information.
The type of vehicle that needs insurance is one of the main factors that determines whether or not you find low-priced coverage in Columbus. Vehicles with higher performance characteristics, poor safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.
The next list estimates auto insurance prices for some of the more affordable vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$1,149|
|Hyundai Elantra SE Touring Station Wagon||$1,246|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,293|
|Dodge Grand Caravan SE||$1,298|
|Ford Escape XLT 2WD||$1,317|
|Honda Odyssey EX W/Rear Entertainment||$1,337|
|Chevrolet Equinox LS AWD||$1,363|
|Honda Accord EX 4-Dr Sedan||$1,410|
|Toyota Camry XLE||$1,434|
|Toyota Corolla XRS||$1,458|
|GMC Sierra SLE Crew Cab 2WD||$1,464|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,458|
|Nissan Rogue S 2WD||$1,461|
|GMC Sierra 3500HD SLT Extended Cab 2WD||$1,485|
|Ford F-150 STX Super Cab 4WD||$1,507|
|Toyota Tacoma 2WD||$1,529|
|Chevrolet Silverado Crew Cab Hybrid 4WD||$1,556|
|Toyota Camry Hybrid||$1,565|
|Kia Optima SX||$1,556|
|Toyota RAV4 Limited 4WD||$1,558|
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in vehicle garaging location which can alter auto insurance rates considerably.
Based upon the table data, you can assume that makes and models like the Honda CR-V, Hyundai Elantra, Jeep Wrangler, Dodge Grand Caravan, and Ford Escape will definitely be the most budget-friendly vehicles to insure for drivers in Columbus.
The diagram below illustrates how your deductible choice can affect insurance rates when searching for cheap insurance in Columbus. The data assumes a married male driver, full coverage, and no policy discounts are applied.
The chart above illustrates that a 40-year-old driver could lower rates by $158 a year by changing from a $100 deductible to a $500 deductible, or save $240 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could save as much as $528 annually by choosing a larger deductible amount.
If you make the decision to raise deductibles, it is a good idea to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Accidents and violations increase rates
The easiest way to find the cheapest car insurance prices in Columbus for drivers in Columbus is to pay attention while driving and have a clean driving record. The illustration below highlights how traffic violations and at-fault fender-benders can raise yearly insurance costs for different age groups. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of auto insurance per year with no violations or accidents is $1,200. Factor in one speeding ticket and the average cost increases to $1,352, an increase of $152 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance in Columbus increases to an average of $1,772. That's an increase of $573, or $48 per month, just for not being more responsible behind the wheel!
The agencies below can probably aid you in deciding which insurance coverage will be best for you, as some people prefer to get some help when comparing insurance rates for drivers in Columbus. It can be complicated to find the best policy yourself, so insurance agents licensed in the state of Ohio can add peace of mind knowing your policy gives you adequate asset protection.
To find an auto insurance agency close to where you live, click the link after the list.
- Gianna R Cone - State Farm Insurance Agent
1495 Morse Rd #100 - Columbus, OH 43229 - (614) 267-7865
- Gardiner Allen DeRoberts Insurance LLC
777 Goodale Blvd - Columbus, OH 43212 - (614) 221-1500
- GEICO Insurance Agent
7370 Sawmill Rd Suite 2720 - Columbus, OH 43235 - (614) 336-4240
How to find the cheapest insurance in Columbus
Below you'll find a few thrifty solutions that can help you quote more affordable coverage.
- Having at-fault accidents will increase rates
- Do not get tickets
- Increase your policy deductibles
- Frequent claims will increase rates
- Pay lower rates with good credit
- Insure your home and auto with the same company
- Compare rates and switch if you can find a better deal
That last tip is extraordinarily vital, as we noted in this article. Rates adjust often, so don't be unwilling to buy a policy from a new company if you find a better deal.
Being loyal to a particular company is commendable, but we do not recommend it if that faithfulness ends up costing you a small fortune year after year. Take a few minutes and compare rates to find cheaper insurance in Columbus in Columbus.