Best cheap car insurance in Columbus, GA

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The average annual car insurance rate in the city is $790 for minimum coverage and $1,996 for full coverage, based on rate data from Quadrant Information Services. In 2018, there were 6,014 car accidents reported in Muscogee County, home to Columbus, Georgia. Every driver in Columbus is required to carry car insurance to protect themselves in an accident.

For this reason, we did research to find the best car insurance in Columbus, GA. We reviewed some of the largest providers using criteria like coverage options, discounts, average rate and more. Based on our evaluation, we determined that the best providers are State Farm, Auto-Owners, USAA and Geico.

Best car insurance companies in Columbus

Drivers in Columbus have a number of options when it comes to car insurance. However, the top insurance companies in Columbus, GA offer below-average rates, generous discounts, excellent customer satisfaction ratings and reliable coverages. The table below includes our recommendations for auto insurance in Columbus, GA.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
State Farm 859/1,000 $486 $1,375
Auto-Owners 849/1,000 $532 $1,494
USAA* 890/1,000 $581 $1,506
Geico 843/1,000 $508 $1,711

*Not officially ranked by J.D. Power due to eligibility restrictions

State Farm

State Farm is the biggest auto insurance provider in the United States. The company is known for its excellent customer service, affordable rates and discount options. With State Farm, Columbus drivers can save money by bundling their policies, taking a driver training course, being a good student, having an anti-theft device in their vehicle and more. Plus, State Farm has two safe driver rewards programs, including one specifically for new drivers under 25.

Learn more: State Farm Insurance Review

Auto-Owners

Auto-Owners is one of the best car insurance companies in Columbus for drivers who want to customize their policy with add-ons. Auto-Owners sells gap insurance, diminished value coverage, rental reimbursement coverage and a package endorsement with more than 10 additional coverages. We also found that Auto-Owners has great discounts, including some for student drivers, having a car with certain safety features and many others.

Learn more: Auto-Owners Insurance Review

USAA

USAA consistently receives high ratings from J.D. Power, although it is not officially ranked because Columbus drivers can only purchase USAA car insurance if they are an active or retired military service member. Drivers who qualify can take advantage of USAA’s low rates, discounts and personalized customer service. Bankrate’s editorial team also likes that USAA offers free accident forgiveness after five years, flexible payment plans and mobile claims.

Learn more: USAA Insurance Review

Geico

Geico is known for offering affordable coverage to most drivers, even with a low credit score or history of accidents. Although Geico’s coverage is fairly limited, Columbus drivers will get access to industry-leading discounts. Geico offers more than a dozen discounts, with savings for military personnel, going on emergency deployment, federal employees, good students and many others.

Learn more: Geico Insurance Review

Cheapest car insurance in Columbus

Every car insurance company in Georgia charges a different rate for coverage. Based on our sample rate quotes, we found that State Farm, Geico, Auto-Owners, USAA and Nationwide offer the best cheap car insurance in Columbus, GA.

Drivers in Columbus pay slightly higher rates than the average driver in Georgia. For comparison, the average cost of car insurance in Georgia is $756 for minimum coverage and $1,982 for full coverage. Car insurance in Georgia is more expensive than the national average rate, which is $1,674 per year for full coverage.

The table below highlights the cheapest car insurance rates in Columbus from the most popular carriers based on market share:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
State Farm $486 $1,375
Geico $508 $1,711
Auto-Owners $532 $1,494
USAA $581 $1,506
Nationwide $585 $1,202

When comparing insurance companies, it is important to look at factors other than price. For example, Nationwide offers the cheapest rates for full coverage, but the company has a poor customer satisfaction rating from J.D. Power. USAA and State Farm have slightly higher premiums, but they both are rated as having great customer service.

In terms of coverage options, Auto-Owners and Nationwide are the best providers on this list. State Farm, Geico and USAA have limited add-ons. All five providers have multiple ways to save, but you will need to compare the specific savings opportunities, as each company has unique discounts.

Columbus insurance requirements

Car insurance is a legal requirement in Columbus. Every driver who owns a registered vehicle must carry at least 25/50/25 personal liability insurance, which includes the following coverages:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

A minimum coverage policy in Columbus is the cheapest option. However, drivers should not focus on the least amount of coverage to keep their rate low. The minimum coverage limits may not be enough to cover the full cost of an at-fault accident, which would require you to pay the difference out-of-pocket.

Additionally, drivers who lease or finance their vehicle are often required to carry a full coverage policy until their loan is paid off.

Car insurance discounts in Columbus

Drivers who want cheap car insurance in Georgia should look for providers that offer several discounts they can qualify for. Here are some of the most common savings:

  • Policy bundling discount: Drivers who bundle their auto and home, renters, condo or life insurance policy with the same company may be able to qualify for a lower rate.
  • Safe driver reward programs: Many insurance companies offer a telematics-based safe driver reward program, which may help you save money by demonstrating safe driving skills or driving under a certain number of miles.
  • Good student discount: Students who get good grades in high school or college, or maintain a minimum GPA, may qualify for a good student discount.
  • Safe vehicle discount: Drivers can often save money if their vehicle is equipped with certain safety features, like anti-lock brakes, collision warning detection and airbags.

When comparing car insurance companies, make sure to also look at the savings potential for each discount. For example, policy bundling discounts can often help you save 15% or more, but a safe vehicle discount may have a lower savings potential. Every insurance company offers a different amount of savings.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is personal to each driver. It depends on factors like where you live, what type of coverage you need, what you value in an insurance company and many other factors.

How much does car insurance in Columbus cost?

In Columbus, the average cost of car insurance is $790 for a minimum coverage policy and $1,996 for a full coverage policy. However, every driver pays a different rate based on their personal profile, which includes age, driving record and other things.

How much car insurance do I need in Columbus?

Drivers in Columbus are required to carry at least 25/50/25 personal liability insurance. Keep in mind that a minimum coverage policy may not cover the full cost of an accident you cause. Insurance agents often recommend raising your coverage limits or purchasing a full coverage policy for better protection.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor