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:
- Safe-driver discount: Offered to drivers with no accident claims during a specified period or those who complete a defensive driving course.
- Military discount: Available to active-duty service members and their families.
- Bundling discount: Provided for combining multiple policies (such as home and auto or auto and motorcycle) with the same insurer.
- 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.