Cheapest Car Insurance in Columbus, Ohio

Cheapest full coverage car insurance in Columbus: Geico

Geico has the cheapest full coverage car insurance rate for most Columbus drivers, at an average rate of $814 a year, or $68 a month. Erie comes in second, at $1,215 a year.

USAA has the second-cheapest overall rate for full coverage insurance 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

Cheap liability car insurance in Columbus: Geico

At $422 a year, or $35 a month, Geico also has the cheapest liability car insurance rates in Columbus. Erie is right behind, however, at $448 a year.

Both companies are below Columbus’ average liability insurance 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

Cheapest car insurance for teen drivers in Columbus: Geico

Geico has the cheapest car insurance for young drivers in Columbus, at $772 a year for liability coverage and $1,505 a year for full coverage.

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

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

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

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

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

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.

Best car insurance companies in Columbus

Geico is the best auto insurance company in Columbus overall because of its low average rates for most drivers and its strong financial strength ratings.

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++

Car insurance rates in Columbus by neighborhood

Columbus’s 43123 ZIP code has the city’s cheapest rates for auto insurance, at $1,452 a year. This is 9% cheaper than Columbus’s average rate of $1,595.

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

Columbus minimum car insurance requirements

Drivers in Columbus are required by law to have a minimum of 25/50/25 liability car insurance. This means:

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.