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Do you need auto insurance in Columbus? At AutoInsuranceEZ.com, you will find the cheapest insurance rates in your city. To get free car insurance quotes from the major providers today, input your zip code into the quote box on this page.

According to such publications as Best Life Magazine, Columbus has been rated as one of the best places to live within the United States. It is a major center of culture and tourism, as well as a residential area for military employees of Fort Benning. Columbus is also home to several minor-league sports teams.

  • Fun fact: Did you know that Columbus is #50 on the list of “Top 100 cities with largest land areas”? Learn more about Columbus.

Auto Insurance Coverage Requirements in Georgia

To drive legally in Georgia, you will need:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

If you think Liability coverage will be enough, give that decision a little extra thought. After all, Liability coverage only pays out claims if the incident was something you were deemed liable for. Which means that if someone hits you, or an act of nature damages your vehicle, you are 100% responsible for those costs. Your insurance company won’t pay a dime.

As you may already know, average Georgia monthly premiums can be quite high – somewhere in the neighborhood of $183 per month. But even in Columbus, you can find low rates for $40/mo* or less. You just have to know what discounts to look for when you shop around.

Average Monthly Auto Insurance Premiums Legend: Columbus The Hartford Nationwide State Farm Allied Allstate 5 10 15 20 25 30 35 40 45 $35 $42 $45 $38 $41

 
The Hartford, Allied, and Allstate are offering some impressively low rates on automotive insurance policies for Columbus residents. But if you’re thinking about switching providers, understand that there’s more to choosing a company than a low rate. Customer service is important too, as well as their claims process.

Auto insurance providers consider several factors when calculating insurance quotes, including geography, zip code, your credit score/rating, driving distance to work, and business use of the vehicle. In addition, premiums vary from carrier to carrier. To verify you’re still being charged the most favorable rate, learn more about auto insurance Georgia.

Major Car Insurance Factors in Columbus

There are numerous ways your car insurance rate might be estimated. But not all of it is out of your control; there are things you can do so that you can control what discounts you are eligible to obtain. Listed below are some of these components in greater detail:

  • Your Zip Code

Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Columbus is 185,888 and the median household income is $40,563.

Auto Insurance by Zip Code Legend: Atlanta Athens Savannah Macon Columbus The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 $45 $34 $39 $38 $35 $47 $35 $46 $36 $42 $48 $36 $37 $43 $45 $48 $33 $39 $37 $38 $59 $43 $51 $44 $41

 

  • Automotive Accidents

If your zip code has high accident rates, then odds are you will have to face higher insurance premiums than drivers in nearby cities. Take a look at the chart above, and talk to your insurance company about safe driver discounts if you think these numbers may be influencing your rate.

Fatal Accidents in Columbus, GA Legend: Columbus Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 14 22 4 14 31 1

 

  • Auto Thefts in Columbus

Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Columbus was 1,108 back in 2013. To protect yourself from auto theft, add Comprehensive coverage to your policy. Yes, it can be expensive – but so can replacing your stolen car.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 90 100 $45 $79 $47 $94 $48 $95 $48 $84 $59 $102

 

  • Your Credit Score

Auto insurance providers put a lot of stock into your credit score. The better your credit, the lower your rate will be. However, having a poor credit score can significantly raise your rates. As you can see in the chart, some companies will charge you double (or more) than someone with excellent credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 $19 $67 $32 $43 $36 $85 $28 $42 $30 $55

 

  • Your Age

As you can see from the chart below, young teenage drivers get charged significantly higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial burden by looking into a Good Student discount, or taking additional driver education courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $45 $74 $47 $118 $48 $149 $48 $108 $59 $85

 

  • Your Driving Record

“Accident Forgiveness” is a new type of discount that more and more insurance providers are beginning to offer. It gives you the opportunity to virtually erase a minor traffic citation from your record, effectively lowering your monthly premium. It is unlikely to work for more serious violations, such as a DUI or Reckless Driving, however.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 $45 $29 $31 $34 $47 $40 $61 $38 $48 $48 $48 $52 $48 $38 $69 $48 $59 $37 $45 $60

 

  • Your Vehicle

If you have the disposable income for a luxury vehicle, make sure that you also possess some luxury insurance to go with it. Because carrying the bare minimum coverage for an expensive vehicle will likely leave you holding the bill in most claim filing situations.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder The Hartford Nationwide State Farm Allied Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $45 $100 $47 $111 $48 $127 $48 $103 $59 $140

 

Minor Car Insurance Factors in Columbus

But don’t forget about these other factors, and how they can influence your rate:

  • Your Marital Status

Married couples can get all sorts of discounts – if they know how to bundle their insurance policies, that is. The most obvious choice is to bundle you and your spouse’s auto policies under the same company. And if that company offers other insurance – such as boating, homeowners, or life insurance – you can bundle those too for further discounts.

  • Your Gender

This may be hard for some people to believe, but most companies don’t charge radically different rates for male or female drivers. Many companies these days charge the exact same rate, all other circumstances being equal.

  • Your Driving Distance to Work

The typical commute time for Columbus workers can range between 15-26 minutes. Around 75% of motorists drive their own car in to work, while over 12% prefer to carpool with co-workers.

It doesn’t matter why you drive, or how many miles you drive each year – even though insurance companies do tend to ask such questions. In reality, your answers will only change your premiums by a few percentage points. Business vehicles, however, tend to cost around 10-13% more to insure on average.

  • Your Coverage and Deductibles

You can get additional forms of coverage added to your policy, or get covered in larger amounts, and still pay a relatively low rate if you raise your deductible. Just remember to put away part of that savings for a rainy day, in case you do ever have to file a claim.

  • Education in Columbus, GA

A sizeable portion of drivers in Columbus have attained a high school education, while a smaller percentage has yet to complete high school. If you’ve been thinking about going back to school, keep in mind that a higher education can get you a better price on your car insurance (even more so than having a fancy job or a high yearly income).

Columbus has a vast array of public and private institutions for higher education. For a four-year degree, you can look into Columbus State University, or Columbus Technical College for a more specialized trade. Local private schools include the Christian Life School of Theology and the Southeastern Beauty School.

Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Georgia Department of Law Consumer Protection Unit

Georgia Department of Human Services Office of Financial Services

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Find Cheapest Auto Insurance In Georgia. Lowest Rates from $29/ Month!

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