Car Insurance Companies Columbus Ohio - The average cost of an auto insurance policy with minimum coverage in Columbus, Ohio is $641. The public company has the cheapest plan with minimum coverage of $531 per year. Westfield is immediately second at $544 per year.
Car insurance rates can vary significantly depending on your background and driving history. It is better to compare the offers of various insurers to find the best policy.
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The cheapest auto insurance policy with minimum coverage in Columbus is offered by State Farm at $531 per year. That's $110 cheaper than the average rate among all insurers in Columbus. Westfield is also a great budget option at $544 per year.
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Full coverage auto insurance refers to a plan that includes liability coverage as well as collision and comprehensive coverage. If you're looking for a full coverage plan, the cheapest option is offered by Geico at $1,217 per year. State Farm has the second cheapest offer at $1,234 and the third in the country at $1,297 per year.
Policies for young drivers are more expensive due to the inexperience of these drivers and their tendency to get into more accidents. On average, a full coverage plan for an 18-year-old driver in Columbus costs $4,250 more than the same coverage plan for a 30-year-old. The three cheapest insurers for young drivers are Geico, State Firm and Erie.
A driver with prior incidents on their record, such as an accident, speeding ticket or DUI, is likely to have a higher rate compared to drivers with a clean record.
The cheapest full coverage plan for a driver with an accident on their record is from State Farm at $1,478 per year. On average, drivers in Columbus with an accident record must pay $760 more per year for a full coverage policy. That's $311 more than the state average increase for a driver accident.
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Similar to accident drivers, drivers with speeding tickets are considered more risky by insurers and therefore have more expensive rates. The cheapest full coverage rate for a driver in Columbus with a speeding ticket is offered by State Farm at $1,356 per year.
The only auto insurers in Columbus that do not have an increased rate for drivers with a speeding ticket are Westfield and Erie.
Car insurance for DUI drivers tends to be much more expensive. The average cost in Columbus for DUI drivers is $978 more. The cheapest full coverage rate for a driver with a DUI in Columbus is offered by State Farm at $1,356 per year. That's $1,012 less than the second-cheapest option, which Progressive offers for $2,368 a year.
While most insurance rates are fairly consistent across the city, some specific areas can be more expensive based on a number of factors including population density, traffic and crime. The average cost for full coverage for various ZIP codes in Columbus is $284.
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For this analysis, we pulled eight quotes from popular auto insurers in Columbus, Ohio. Unless otherwise noted, we used a single 30-year-old driver with no prior, DUI, or speeding tickets to calculate the average full coverage plan.
Insurance analysis using insurance data from Quadrant Information Services. These rates are officially derived from insurer documents and should be used for comparison purposes only. The powers of these insurers may differ.
For an insurance quote over the phone, call: (855) 596-3655 Agents are available 24 hours a day, 7 days a week! To find the best cheap auto insurance in OH, our editorial team gathers quotes from some of the largest insurance companies in the state by zip code. Offers minimum state insurance in compliance with Ohio state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $25,000 in property damage coverage. Benefits for full coverage policies include higher liability limits than state minimums, more collision and comprehensive coverage.
Additionally, we evaluated the best OH-based companies for different drivers, customer service reviews, convenience, and availability of coverage.
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Erie has the cheapest minimum liability car insurance in Ohio. The company offers minimum coverage for $23 a month, which is $18 a month cheaper than the national average.
The average cost of auto insurance in Ohio is $41 per month, or $496 per year, for minimum liability.
USAA also offers cheap car insurance for Ohio drivers. At $19 per month, USAA's minimum coverage costs $4 less per month than Erie. However, only members of the military, veterans and their families can purchase auto insurance from USAA.
Cheap quotes make minimal rustic car insurance an attractive option. However, low coverage limits more in the event of an accident.
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In addition, the minimum coverage does not include protection against damage to the vehicle or injury to you or your passengers. Drivers are strongly advised to get full coverage car insurance so that you have enough protection to cover the costs of a major accident.
Erie is the best cheap insurance company in Ohio for comprehensive coverage, with an average rate of $67 per month. Erie quotes are 38% cheaper than the national average and $10 less per month than the next cheapest insurer, Geico.
Full coverage auto insurance quotes include bodily injury and property damage liability coverage, plus comprehensive and collision coverage. This way, your car will be covered for damage caused by an accident, weather, theft or vandalism, regardless of who is at fault.
Erie, Ohio has the best citations for Ohio drivers who have a speeding, DUI, or misdemeanor accident on their record.
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Drivers with incidents on their record tend to pay higher rates because insurance companies believe that these drivers will pay more in future situations.
Your credit score also helps determine how much you'll pay for car insurance in most states, although it has nothing to do with your safety.
Erie has the best auto insurance in Ohio for drivers with speeding tickets. The monthly price is $73 for a full coverage plan - $55 per month cheaper than the national average.
Speeding tickets raise the average cost of insurance in Ohio from $108 a month to $128, an increase of about 18%.
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Erie also offers the cheapest at-fault auto insurance in Ohio. At $92 a month for full coverage, Erie is 42% cheaper than the national average and $53 less than the next best option, Progressive.
One accident on your driving record can lead to much higher car quotes. In Ohio, rates go up 47% after a single accident — an average increase of $51 per month.
Erie has the cheapest car insurance for Ohio drivers with a DUI citation on their record. A full coverage plan in Erie costs $110 per month, which is 40% less than the average.
Insurance companies in Ohio increase rates by an average of 68% after a DUI. But not all companies rate the same. Erie increases car insurance rates by 64% after a DUI. On the other hand, drivers with Geico insurance can expect a 115% increase.
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That's why it's important for Ohio drivers to purchase the best car insurance after a DUI.
Geico has the best auto insurance for drivers with bad credit in Ohio. The average number from Geico is $128 per month for a full coverage plan, which is 31% cheaper than the national average.
Drivers with bad credit have an average full coverage insurance quote of $186 per month, which is $78 more expensive per month than drivers with good credit.
Your credit score does not affect your ability to drive, but it does affect Ohio car insurance rates. Statistics show that drivers with bad credit are more likely to file an insurance claim, making them a higher risk to insurance companies.
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Erie has the cheapest rates for young drivers in Ohio, $58 per month for a minimum liability policy.
Erie minimum coverage is 58% cheaper than the national average. It also has the most affordable full coverage plan for Ohio teens at $172/month.
While Ohio is one of the best states for car insurance, young drivers still pay more for car insurance than older drivers. The average price of a minimum coverage policy for an eighteen-year-old is three times more expensive than the estimate for a thirty-year-old driver.
The best way for teenage drivers to save money on car insurance is to share a policy with their parents or close relatives. A good discount on student and driver safety courses can also help young drivers lower their rates.
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We recommend full cover for teenage drivers if they can afford it. Teenagers are involved in accidents more often than adult drivers, which means they benefit more from the insurance company's payout.
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