Columbus, OH Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Columbus, OH, 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.
Factors that can influence the cost of car insurance in Columbus, OH 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, OH Auto Insurance Rates
- Columbus, OH Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Columbus, OH
- Multi Vehicle Insurance Savings in Columbus, OH
- How Credit Score Affects Car Insurance Rates in Columbus, OH
- How DUI Affects Auto Insurance Premiums in Columbus, OH
- Top Auto Insurance Agents Near Columbus, OH
- How Driving Violations Affect Auto Insurance Rates in Columbus, OH
- Columbus, OH Auto Insurance Discounts on Anti Theft Feature
- Columbus, OH Auto Insurance Company Reviews
Columbus, OH Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Columbus, OH with that of other cities in and around Columbus.
| Columbus | Bexley | Grandview Heights | Franklin County | Whitehall | Upper Arlington | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,058 | $1,208 | $1,543 | $987 | $1,015 | $1,190 |
Columbus, OH 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, OH 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 | $1,355 | $1,145 |
| Franklin County | $1,704 | $1,439 |
| Grandview Heights | $2,218 | $1,873 |
| Bexley | $3,604 | $3,044 |
| Marble Cliff | $1,607 | $1,357 |
| Valleyview | $1,298 | $1,096 |
| Upper Arlington | $1,195 | $1,009 |
| Whitehall | $1,429 | $1,207 |
Columbus, OH Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Columbus, OH 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 | $3,433 |
| 20 Years | $1,359 |
| 30 Years | $1,047 |
| 40 Years | $1,007 |
| 50 Years | $933 |
| 60 Years | $946 |
| 70 Years | $1,101 |
Columbus, OH Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Columbus, OH 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 | $1,841 | $275 |
| 3 Vehicles | $2,761 | $413 |
| 4 Vehicles | $3,682 | $550 |
Savings on 2 Vehicles bundle:$275
Savings on 3 Vehicles bundle:$413
Savings on 4 Vehicles bundle:$550
Columbus, OH 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, OH.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Columbus | $1,058 | $1,712 |
| Franklin County | $987 | $1,597 |
| Grandview Heights | $1,543 | $2,497 |
| Bexley | $1,208 | $1,955 |
| Marble Cliff | $1,405 | $2,274 |
| Valleyview | $1,122 | $1,816 |
| Upper Arlington | $1,190 | $1,926 |
| Whitehall | $1,015 | $1,643 |
Columbus, OH 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) | $908 |
| Excellent (740-799) | $1,036 |
| Good (670-739) | $1,102 |
| Average (580-669) | $1,438 |
| Poor (300-579) | $1,726 |
Columbus, OH Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Michael Kazee | Allstate | 944 Galloway Rd, Galloway, 43119 | (614) 851-0910 |
| Morgan Hubble Smith | Erie | 1721 Bethel Road, Columbus, 43220 | None |
| Usi Midwest Insurance | None | 3070 Riverside Dr Ste 105 Columbus, Upper Arlington, 43221 | None |
| Wat Consulting Agency Llc | None | 3448 River Narrows Rd Columbus, Hilliard, 43026 | None |
| Scott Anthony Molino Agency | Nationwide | 4200 Hoover Rd STE A, Grove City, 43123 | (614) 871-9707 |
| Rich Courter | State Farm | 6751 Taylor Road, Blacklick, 43004 | 614-863-0960 |
| Insurance Partners Group Ltd. | None | 25 W New England Ave, Worthington, 43085 | None |
| Town & Village Ins Serv Inc | Liberty Mutual Independent | 1580 FISHINGER RD, COLUMBUS, 43221 | 614-459-1122 |
| Overmyer Hall Associates | Liberty Mutual Independent | 1600 W LANE AVE STE 200, COLUMBUS, 43221 | 614-453-4400 |
Columbus, OH 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 | +$47 | $1,105 |
| Driver's Failure In Showing Documents | +$103 | $1,161 |
| Driving With An Expired Registration | +$109 | $1,167 |
| Driving At A Considerably Slow Pace | +$230 | $1,288 |
| Using A Cellphone While Driving | +$242 | $1,300 |
| Running A Red Light | +$247 | $1,305 |
| Speeding | +$259 | $1,317 |
| Driving A Vehicle Without The Required Permission | +$329 | $1,387 |
| Driving With An Expired/Suspended License | +$713 | $1,771 |
Columbus, OH 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 | $1,016 |
| Active Disabling Device | $1,016 |
| Tracking Device | $995 |
| Passive Disabling Device | $984 |
Latest Auto Insurance Reviews in Columbus, OH | Back to Top
State FarmI have full coverage option with my policy, which with my safe driving record helped save me money compared to other insurance providers. Also when you are in accident, the attention.
ProgressiveMy premium is the lowest I could find out of all car insurance companies which is great. They compared it to others and I saved over $100 by having progressive.
Auto Owners InsuranceTheir customer service seems to be good, I have never had to file a claim, but any time that I have had changes to my policy they are quick and easy to reach.
Erie InsuranceAlthough our premiums are just a little higher with Erie, their customer service makes the difference that is worth the money.
Erie InsuranceAlthough our premiums are just a little higher with Erie, their customer service makes the difference that is worth the money.
Farmer's InsuranceI dislike that the support is just one person I have to contact my agent to get anything figured out and most of the time I get voicemail
AllstateEven before I was insured with them, I used them to file a claim after being in a wreck caused by one of their insured drives. They were very helpful and knowledgeable even then.
Farm BureauThis is the only car insurer I've ever had. The rates are reasonable and the service exceptional
Erie InsuranceI like that they can be easily reached. When we had to make an adjustment to our policy it was simply done over the phone. Our updated paperwork was then mailed and emailed to us.
ProgressiveI don't mind the company they are fast and efficient. as long as the policy is reasonably priced, we won't be looking for a new one
GeicoGeico presented the best rate for what I was looking for. I am very pleased with my premium and what it covers. I checked other companies and their premiums were more expensive