Cheapest Car Insurance in Columbus, Ohio
Best cheap car insurance companies in Columbus
Cheapest full coverage car insurance in Columbus: Geico
USAA has the second-cheapest overall rate for full coverage insurance Full coverage includes collision and comprehensive, which cover your own car for damage and theft. of $913 a year, but it only offers car insurance for military members and their families.
While Erie is in second place for cost, it offers some excellent add-on coverage, such as roadside service and new car protection if your car is less than 24 months old.
Full coverage car insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $814 |  |
 | Erie | $1,215 |  |
 | Progressive | $1,666 | |
 | Nationwide | $1,758 |  |
 | Grange | $2,220 | |
 | Allstate | $2,579 | |
 | USAA* | $913 | |
*USAA only sells insurance to members of the military and their families
Cheap liability car insurance in Columbus: Geico
Both companies are below Columbus’ average liability insurance Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. rate of $690 a year.
Geico offers more discounts than Erie does, but their rates are so close together that comparing the two should show which one is best suited for your needs.
Liability car insurance rates
| Company | Annual rate |
|---|---|
| Geico | $422 |
| Erie | $448 |
| Progressive | $687 |
| Nationwide | $815 |
| Grange | $953 |
| Allstate | $1,192 |
| USAA* | $310 |
Cheapest car insurance for teen drivers in Columbus: Geico
Erie is the next-cheapest, at $1,221 a year for minimum coverage and $3,261 a year for full coverage. Both companies come in under Columbus’ average rates for teens, $2,144 for liability coverage and $4,826 for full coverage.
Teens tend to pay the highest rates for car insurance of any age range, mostly due to their lack of experience driving.
Car insurance for teen drivers
| Company | Minimum coverage | Full coverage |
|---|---|---|
| Geico | $772 | $1,505 |
| Erie | $1,221 | $3,261 |
| Progressive | $2,686 | $7,870 |
| Allstate | $2,897 | $5,238 |
| Nationwide | $3,232 | $7,292 |
| Grange | $3,480 | $6,693 |
| USAA* | $718 | $1,920 |
Cheapest auto insurance after a ticket in Columbus: Geico
Columbus drivers with a speeding ticket on their records get the cheapest insurance with Geico, at an average rate of $997 a year, or $83 a month.
Erie is next, at $1,329 a year. Both are under Columbus’ average rate of $2,077 a year for drivers with a ticket.
While Geico is probably better price-wise due to its discounts, Erie does have “Rate Lock” feature, which keeps your rate steady after a claim until you make certain changes to your policy (like adding or removing a vehicle or a driver or changing your address).
Car insurance rates after a ticket
| Company | Annual rate |
|---|---|
| Geico | $997 |
| Erie | $1,329 |
| Nationwide | $2,185 |
| Progressive | $2,429 |
| Grange | $3,202 |
| Allstate | $3,249 |
| USAA* | $1,148 |
Cheapest Columbus car insurance after an accident: Geico
Drivers in Columbus get the cheapest car insurance after an accident with Geico, at $1,159 a year, or $97 a month. Erie is the next-cheapest, at $1,535 a year.
Car insurance after an at-fault accident
| Company | Annual rate |
|---|---|
| Geico | $1,159 |
| Erie | $1,535 |
| Nationwide | $2,614 |
| Progressive | $2,713 |
| Grange | $2,736 |
| Allstate | $4,617 |
| USAA* | $1,323 |
Best car insurance for teens in Columbus with bad driving records: Geico
Geico has the cheapest insurance rates for young drivers in Columbus with incidents on their records. Its rates average $872 a year after a ticket and $1,035 a year after an at-fault accident.
Erie comes in second, with rates that average $1,425 a year after a ticket and $1,430 a year after an accident.
Cheapest rates for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Geico | $872 | $1,035 |
| Erie | $1,425 | $1,430 |
| Progressive | $2,989 | $3,023 |
| Nationwide | $3,423 | $3,510 |
| Allstate | $3,753 | $5,673 |
| Grange | $5,035 | $3,968 |
| USAA* | $926 | $1,003 |
Cheapest auto insurance in Columbus with a DUI: Geico
With an average rate of $1,150 a year, Geico has the cheapest DUI car insurance rates in Columbus. Erie is the next-cheapest company, at $2,042 a year.
Car insurance companies consider drivers with DUI (driving under the influence) convictions as high risk and charge them higher rates to offset the chances of a claim. Columbus drivers pay an average of $2,476 a year after a DUI.
Cheapest car insurance with a DUI
| Company | Annual rate |
|---|---|
| Geico | $1,150 |
| Erie | $2,042 |
| Progressive | $2,229 |
| Nationwide | $3,350 |
| Grange | $3,573 |
| Allstate | $3,614 |
| USAA* | $1,374 |
Cheap car insurance for Columbus drivers with bad credit: Geico
Geico has the cheapest car insurance for bad credit in Columbus, at an average of $1,221 a year, or $102 a month. Nationwide is next, at $2,640 a year.
Despite the large gap in cost between Geico and Nationwide, Nationwide has some offerings that could make it a good choice. For example, it has gap insurance while Geico doesn’t.
Also, Nationwide offers a bundling discount that can save you an average of $1,032 a year on your auto and home insurance.
| Company | Annual rate |
|---|---|
| Geico | $1,221 |
| Nationwide | $2,640 |
| Progressive | $2,723 |
| Erie | $2,766 |
| Grange | $3,033 |
| Allstate | $4,203 |
| USAA | $1,581 |
Best car insurance companies in Columbus
Geico’s customer satisfaction rating is lower than average; however, this can be expected from a company of its size. Its financial strength is in the top tier of the companies in Columbus we looked at.
Columbus’s best-rated car insurance companies
| Company | J.D. Power** | AM Best | LendingTree score |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Erie | 700 | A+ | |
| Geico | 637 | A++ | |
| Grange | 655 | A | |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| USAA* | 739 | A++ | |
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Car insurance rates in Columbus by neighborhood
The 43211 ZIP code has the highest average rate in Columbus of $1,763 a year, which is 11% more than the city average.
Car insurance rates near you
| ZIP code | Annual rate | % from average |
|---|---|---|
| 43004 | $1,575 | -1% |
| 43016 | $1,483 | -7% |
| 43017 | $1,471 | -7% |
| 43026 | $1,514 | -5% |
| 43035 | $1,499 | -6% |
| 43054 | $1,500 | -5% |
| 43065 | $1,466 | -8% |
| 43068 | $1,563 | -2% |
| 43081 | $1,523 | -4% |
| 43085 | $1,512 | -5% |
| 43110 | $1,530 | -4% |
| 43119 | $1,477 | -7% |
| 43123 | $1,452 | -9% |
| 43125 | $1,536 | -3% |
| 43137 | $1,488 | -6% |
| 43147 | $1,505 | -5% |
| 43201 | $1,681 | 6% |
| 43202 | $1,639 | 3% |
| 43203 | $1,735 | 9% |
| 43204 | $1,628 | 3% |
| 43205 | $1,728 | 9% |
| 43206 | $1,685 | 6% |
| 43207 | $1,655 | 4% |
| 43209 | $1,654 | 4% |
| 43210 | $1,610 | 1% |
| 43211 | $1,763 | 11% |
| 43212 | $1,549 | -2% |
| 43213 | $1,634 | 3% |
| 43214 | $1,588 | 0% |
| 43215 | $1,624 | 2% |
| 43217 | $1,516 | -5% |
| 43219 | $1,722 | 9% |
| 43220 | $1,561 | -2% |
| 43221 | $1,528 | -4% |
| 43222 | $1,651 | 4% |
| 43223 | $1,642 | 3% |
| 43224 | $1,752 | 10% |
| 43227 | $1,699 | 7% |
| 43228 | $1,549 | -2% |
| 43229 | $1,656 | 4% |
| 43230 | $1,559 | -2% |
| 43231 | $1,634 | 3% |
| 43232 | $1,654 | 4% |
| 43235 | $1,521 | -4% |
| 43240 | $1,519 | -4% |
Columbus minimum car insurance requirements
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
Bodily injury liability coverage pays for the injuries of others if you cause an accident. It also covers your legal expenses tied to an accident you’re responsible for.
Property damage liability handles repairs to others’ vehicles or personal property after the accident.