Columbus Auto Insurance Rates, Quotes, Agents & Reviews in GA

Columbus, GA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Columbus, GA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Median Car Insurance Rate in Columbus, GA, is Significantly Cheaper Than the State Average

The median car insurance rate in the city of Columbus, Georgia, is $1,577—about $1,500 lower than the state average for 40-year-old married males with a clean driving record. This is a finding from a recent analysis by Zimlon using data from the Office of Insurance and Safety Fire Commissioner, Georgia, on 2012 Toyota Camry, 6-cylinder, 4-door sedans. The study also found that the median rate for 30-year-old married females with one speeding ticket in the past 12 months was $2259, about $700 less than the state average. For 28-year-old married males with one speeding ticket within the past 30 months, the insurance amount was $2896, only slightly less than the state average of $2982.

no image

Insurance companies calculate premium rates on the basis of customer type, car type, customer credit, and other factors. Within the broad insurance cover, subcategories like liability rates, medical insurance, and comprehensive collision vary greatly, sometimes by thousands of dollars. This is why it is prudent to scan the research data first.

For instance, for a 40-year-old married male with a clean record driving a Toyota Camry, the median liability premium is $593. That is almost $400 less than the median liability premium of $921 for a 28-year-old married female with one speeding ticket within the past 12 months.

For a 40-year-old married male, Unique Insurance Company has the most expensive insurance premiums in the city, valued at $3061. The Cincinnati Insurance Company offers the cheapest premium, valued at $853, for the same customer type.

no image

Factors that can influence the cost of car insurance in Columbus, GA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Columbus, GA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Columbus, GA with that of other cities in and around Columbus.

Columbus Columbus West Waverly Hall Columbus North Phenix City Fort Benning
Average Insurance Rates $1,591 $1,576 $1,702 $1,681 $1,444 $2,673

Columbus, GA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Columbus, GA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Columbus $1,657 $1,400
Muscogee County $1,639 $1,384
Columbus East $1,615 $1,364
Columbus North $1,501 $1,268
Fort Benning $2,753 $2,326
Columbus West $1,439 $1,215
Waverly Hall $1,427 $1,205
Phenix City $1,595 $1,348

Columbus, GA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Columbus, GA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,163
20 Years $2,044
30 Years $1,575
40 Years $1,515
50 Years $1,403
60 Years $1,422
70 Years $1,656

Columbus, GA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Columbus, GA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,800 $382
3 Vehicles $4,200 $573
4 Vehicles $5,600 $764

Savings on 2 Vehicles bundle:$382

Savings on 3 Vehicles bundle:$573

Savings on 4 Vehicles bundle:$764

Columbus, GA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Columbus, GA.

Location Average Insurance Cost Post DUI Insurance Rate
Columbus $1,591 $2,909
Muscogee County $1,629 $2,978
Columbus East $1,596 $2,918
Columbus North $1,681 $3,073
Fort Benning $2,673 $4,887
Columbus West $1,576 $2,881
Waverly Hall $1,702 $3,111
Phenix City $1,444 $2,560

Columbus, GA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,365
Excellent (740-799) $1,558
Good (670-739) $1,658
Average (580-669) $2,163
Poor (300-579) $2,595

Columbus, GA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$70 $1,661
Driver's Failure In Showing Documents +$154 $1,745
Driving With An Expired Registration +$164 $1,755
Driving At A Considerably Slow Pace +$345 $1,936
Using A Cellphone While Driving +$364 $1,955
Running A Red Light +$371 $1,962
Speeding +$390 $1,981
Driving A Vehicle Without The Required Permission +$495 $2,086
Driving With An Expired/Suspended License +$1,072 $2,663

Columbus, GA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,527
Active Disabling Device $1,527
Tracking Device $1,496
Passive Disabling Device $1,480

Latest Auto Insurance Reviews in Columbus, GA | Back to Top

State Farm
I would recommend state farm auto insurance because they are fair, reasonably priced and widely known with a good reputation.
Safeco Insurance
The customer service meets expectations. The website offers sufficient self-service options, but I can call and speak to someone if necessary, which is great.
The premium is a great price, because i have been with them so long now. it has been over 6 years just for my car insurance.
We currently have the same policy coverage with Mercury as we had with State Farm. The good part, though, is that the price is cheaper for the same coverage.
We currently have the same policy coverage with Mercury as we had with State Farm. The good part, though, is that the price is cheaper for the same coverage.
I think my insurance company offers competitive prices, they are not the cheapest one but I know the cost is better than average.
The policy I have with Progressive was easy to attain. I also liked that I could print the new policies from their website so I have proof of insurance right away. Compared to other companies policies, it's very similar in price and coverage.
Geico has very average offerings, and I really haven't found anything that makes them stand out. Their customer service and claims process is good, and I haven't had any complaints as a policy holder.
State Farm
I have never had a customer service issue with my company. They are always helpful and on top of things. Even when I had an accident they were calling my right away and their first question was "are you ok"
Safe Auto Insurance
I do not like the delay in which the insurance imdenizes the damages and losses of my car, it is very slow to process that type of requirement
Amica Mutual Insurance
I dont mind anyhting about the company honestly. They seem to be professional, give me good prices, and are frieldny to deal with
I always feel positive about this company overall because I liked the honesty of this company
The price is at a level I can easily deal with. The people are generally nice and knowledgeable in their field.