Cheap Auto Insurance Quotes in Columbus, GA (2023)

Despite being the third-largest city in Georgia, Columbus has what is often described as hassle-free driving. Residents note that there’s very little traffic, and freeways are smartly designed. While it might be easy to get where you need to go, you’ll still want to make sure you have a car insurance policy that keeps you protected, as accidents can happen in the blink of an eye even when there aren’t many cars on the road.

Car Insurance in Columbus, GA

The average cost of Georgia car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Columbus, GA to find you the cheapest quotes in the area.

See More:

• Cheap Car Insurance Georgia

• Compare Car Insurance

Cheapest Car Insurance in Columbus, GA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Columbus, GA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Columbus. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Georgia

All motor vehicles operated or parked on Georgia roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Georgia^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Georgia is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured motorist bodily injury

• $50,000 per accident for uninsured motorist bodily injury

• $25,000 per accident for uninsured motorist property damage

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Georgia, drivers are required to be insured for both bodily injury and property damage.

Columbus Car Insurance Rates by Driver Age

Drivers getting their feet wet on the roads of Columbus should make sure they’re prepared to pay significantly higher rates for their insurance compared to their neighbors. Those under the age of 20 pay an average of $577; however, once motorists turn 20, their rates drop dramatically to $331. Prices continue to decrease as time goes on, with the cheapest rates of $220 available to motorists in their 60s.

Columbus Car Insurance Rates by Driving and Accident History

Some drivers might think that their insurance rates will be sky-high if they have a violation on their record, but in Columbus, that’s not always the case. Individuals with a perfect history behind the wheel pay an average of $252 for car insurance. Drivers pay around $240 if they’ve previously failed to stop at an intersection. At-fault accidents can bump up rates to $325, while speeding can cause the biggest increase, averaging around $343.

See More:

• High-risk Car Insurance Georgia

• DUI Car Insurance Georgia

Columbus Car Insurance Rates by Credit Tier

It can be tough to reach the excellent credit tier, but for Columbus residents who do, the savings are worth it. Drivers in this category pay an average of $246 for car insurance, while those in the good credit range pay $286 on average. Prices may drop a bit for motorists who have average and poor credit, with insurance premiums coming in at $269 and $268, respectively. Most drivers in Columbus are in these bottom categories yet find their rates are still affordable.

See More: Bad Credit Car Insurance Georgia

Find local Columbus agents

Columbus, GA DMV Information

Residents in Columbus never have to drive far to access a DMV office. There are tag offices located throughout the greater metropolitan area and a Georgia Department of Driver Services office located a short drive outside the city center. As Columbus isn’t highly populated, you likely won’t have to wait in long lines at the DMV.

Public Transportation in Columbus, GA

If you opt to utilize public transportation in Columbus, you have a number of options to consider. The METRA transit system operates nine routes in and around the city and runs Monday through Saturday. Ridesharing options like Uber and Lyft are popular during bus off-hours. While other cities across the nation have turned to alternative transportation options like electric scooters, those in Columbus aren’t as fortunate; the city placed a ban on them in early 2020.

For more detailed Georgia city level guides, check out these below.

• Average Cost of Car Insurance Rates in Georgia

• DUI Car Insurance Rates in Georgia

• High-Risk Driver Car Insurance Rates in Georgia

• Georgia Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Georgia

• SR-22 Insurance in Georgia

How to get the best and cheapest car insurance in Columbus, GA

For some, driving in Columbus may seem like paradise, as there’s minimal traffic and most major services are close to the city center. While you might want to rely on public transportation from time to time, you won’t be paying much for auto insurance should you decide to own a vehicle.

Keep in mind that Georgia doesn’t require you to purchase a full array of coverage, although it’s highly recommended that you consider all of your insurance options before you enroll in a policy. Rather than spend hours comparing quotes, visit Insurify to compare prices and determine which policy will best meet your needs.

FAQs - Columbus, GA Car Insurance