5 Cheap Auto Insurance In Columbus GA

acquiring-auto_63273223 (1)

Individuals will not find the best car insurance rates from the same company, as what may be the cheapest for one driver might not be the most cost-effective for another.

This emphasizes the significance of comparing various options.

Key Points:

  • Auto-Owners Insurance offers the lowest average rates for full coverage car insurance in Columbus, standing at $1,116 annually.
  • The most affordable ZIP code for car insurance in Columbus is 31820.
  • Georgia drivers are required to have at least $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability.

Methodology & Trustworthiness:

Car insurance rates are not uniform for everyone, and the utilization of personal data by insurance companies varies.

Hence, it is crucial to explore and obtain quotes from multiple companies before finalizing a policy.

Cheapest Car Insurance Companies in Columbus, GA:

Company Average Cost JD Power Rating
Auto-Owners Insurance $1,116 865
USAA $1,132 890
Central Insurance $1,236
COUNTRY Financial $1,310
GEICO $1,401 874


Cheapest Car Insurance Rates by ZIP Code in Columbus, GA:

ZIP Code Average Cost
31820 $1,624
31901 $1,643
31909 $1,643
31907 $1,646
31903 $1,651
31906 $1,651
31904 $1,656


Choosing the Right Car Insurance Company:

Consider your priorities, whether it’s excellent customer service at a higher cost or the most affordable coverage.

Policygenius can assist in obtaining quotes tailored to individual needs.

Car Insurance Rates for Drivers with Violations in Columbus, GA:

Violation Auto-Owners Insurance USAA Central Insurance COUNTRY Financial GEICO
At-fault accident $1,483 $1,697 $1,951 $1,826 $2,190
DUI $2,088 $2,378 $2,729 $2,235 $4,282
Suspended license $2,088 $2,255 $2,729 $2,235 $2,663
Open container $1,106 $1,748 $2,729 $1,891 $1,442
Expired registration $1,106 $1,474 $1,594 $1,891 $1,442
Driving without lights $1,106 $1,474 $1,684 $1,891 $1,442
Running a red light $1,106 $1,474 $1,684 $1,891 $1,442
Following too closely $1,106 $1,474 $1,684 $1,891 $1,442
Hit and run $2,088 $2,503 $2,729 $2,235 $4,282
Not-at-fault accident $1,106 $1,195 $1,323 $1,441 $1,280
Passing a school bus $1,224 $1,748 $1,684 $1,891 $2,663
Reckless driving $2,088 $1,748 $2,729 $2,235 $2,663
Speeding $1,420 $1,474 $1,684 $1,891 $2,663


Cheapest Car Insurance for Drivers with a DUI in Columbus, GA:

Company Rates for Drivers with DUIs
Auto-Owners Insurance $2,088
COUNTRY Financial $2,235
USAA $2,378
Central Insurance $2,729
GEICO $4,282


Cheapest Car Insurance for Drivers with a Speeding Ticket in Columbus, GA:

Company Rates for Drivers with Speeding Tickets
Auto-Owners Insurance $1,420
USAA $1,474
Central Insurance $1,684
COUNTRY Financial $1,891
GEICO $2,663


Cheapest Car Insurance for Drivers with Bad Credit in Columbus, GA:

If you’ve struggled with timely bill payments or filed for bankruptcy, your insurance rates may be significantly higher.

To reduce costs, focus on improving your credit rating.

Company Rates for Drivers with Bad Credit
GEICO $1,721
Nationwide $2,047
COUNTRY Financial $2,058
USAA $2,153
Allstate $2,293


Acquiring auto insurance in Columbus, GA In accordance with Georgia state law, individuals driving on public roads must meet the following minimum liability insurance requirements:

  • Bodily Injury Liability Coverage per person: $25,000
  • Bodily Injury Liability Coverage per accident: $50,000
  • Property Damage Liability Coverage: $25,000

Motor vehicle owners and lessees are obligated by law to maintain continuous liability insurance coverage in Georgia on vehicles with active registrations.

Georgia operates as a fault state in car accidents, implying that the insurance company of the at-fault driver bears responsibility for covering damages or medical bills for all parties involved.

Consequently, maintaining high liability limits is crucial to avoid potential out-of-pocket expenses for costly repairs or hospital bills following an accident.

Securing affordable car insurance in Columbus, GA While car insurance can be costly, numerous companies provide discounts.

Some common discounts include:

  1. Safe-driver discount: Offered to drivers with no accident claims during a specified period or those who complete a defensive driving course.
  2. Military discount: Available to active-duty service members and their families.
  3. Bundling discount: Provided for combining multiple policies (such as home and auto or auto and motorcycle) with the same insurer.
  4. Low mileage discount: Extended to drivers who travel fewer than 7,500 miles annually.

If these discounts do not apply, exploring different car insurance options remains a viable strategy to save money.

Also read: Why Is Neptune Flood Insurance So Cheap?

Frequently asked questions

What constitutes the minimum insurance coverage in Georgia?

Georgia state law mandates that drivers must maintain a minimum of 25/50/25 in liability car insurance.

While full coverage is not a legal requirement, drivers with a lease or loan may find it necessary per their contractual obligations to carry both comprehensive and collision insurance.

Is car insurance costly in Georgia?

Car insurance rates in Georgia are slightly above the national average; however, drivers can still cut costs by comparing quotes from multiple insurance companies.

Is Georgia an at-fault state?

Yes, Georgia operates as an at-fault state, meaning that the driver responsible for an accident is financially accountable for all bodily injury and property damage costs resulting from the incident.

If found at fault without adequate liability insurance, one may be required to cover additional costs out of pocket.

What is the average monthly cost of car insurance in Georgia?

The average monthly cost of car insurance in Georgia is $135, equating to an annual sum of $1,625.


Leave a Comment