Cheapest Auto Insurance in Columbus, Ohio (2025)
Mile Auto offers the cheapest car insurance in Columbus, with minimum-coverage policies as low as $48 per month.
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Car insurance in Columbus costs $120 per month, which is slightly more than the statewide average of $96 per month but slightly less than the monthly nationwide average of $144.
Ohio's state capital, Columbus is the most populous city in the Buckeye State, and its congested roadways likely contributes to its higher-than-average car insurance rates.
Here’s what you should know about comparing car insurance quotes and finding a policy with the best rate in Columbus.
3 of the cheapest car insurance companies in Columbus
Car insurance rates vary widely in Columbus. Your rates will depend on your unique situation and coverage needs, but the three insurers below are a good place to start your search.
Best insurer for teen drivers: State Farm
Best insurer for drivers with a speeding ticket: Erie
Best insurer for drivers with an OVI: Auto-Owners
How to get the cheapest car insurance in Columbus
“Every driver would benefit from an insurance review from a local insurance agent to determine the appropriate coverage limits for them,” says Eric Fisher, agent and owner of Outdoor AdvINSURE, an Ohio insurance brokerage.
You should also consider how factors like your credit history, driving record, when and where you drive, where you keep your car, and the car itself affect your rates.6
Next, compare quotes from a few different Columbus insurance companies. Rates can vary widely among insurers. While insurers generally consider the same rating factors, each has its own proprietary underwriting process.
Here are some ways to save money and lower your premiums:
Increase your deductibles. Raising your collision and comprehensive deductibles (there's no deductible for liability coverage) can help lower your car insurance rate. Just be sure you can afford your deductible in case of an accident.
Explore bundling. Buying multiple policies, like auto and home or renters, through the same company can yield a significant discount.
Improve your credit. Insurers use information in your credit record to generate a credit-based insurance score. These credit-based scores help insurers estimate your likelihood of filing a claim.
Apply for discounts. Insurers offer numerous types of discounts to help drivers lower their car insurance costs. You may qualify for more than one type.
Drive safely. Avoid speeding and other risky driving behaviors that increase your chances of getting into an accident.
Cheapest liability-only car insurance in Columbus: Mile Auto
Liability-only car insurance is the minimum coverage most states require. It covers you if you cause an accident that injures passengers, other drivers, or pedestrians or damages their property.1
While bodily injury and property damage liability coverage won’t cover your own injuries or property damage in a crash you cause, it protects your assets against lawsuits by the people who suffered injuries or damage. Insurance professionals recommend you buy more than state-minimum liability coverage for a greater level of financial protection in case of an at-fault accident.
Liability insurance in Columbus costs $91 per month, on average. The companies listed below offer the cheapest car insurance policies for drivers looking for liability-only coverage in Columbus.
Cheapest full-coverage car insurance in Columbus: Mile Auto
Full-coverage car insurance means you have liability coverage as well as physical damage coverage for your vehicle. It includes collision and comprehensive coverages for damage from both collision and noncollision events.1
“A driver who finances a vehicle or has a lease must carry physical damage coverage on their vehicle,” says Fisher. “Otherwise, the coverage is optional.”
Columbus drivers pay a monthly average of $149 for full coverage-insurance. The following companies offer some of the cheapest average quotes available for full coverage.
Car insurance requirements in Ohio
Ohio is a tort state, which means the insurer for the person at fault in an accident pays for the resulting damages. Ohio car insurance laws mandate the types and amount of insurance you must carry.2
Minimum insurance requirements don’t always provide enough coverage to protect a driver fully.
“A person could have state-minimum liability coverage along with physical damage coverage and have full coverage, when in fact they have very poor coverage because of their low liability limits,” says Fisher.
It's usually a good idea to buy more liability coverage than the state requires. And, if you lease or finance your vehicle, your leasing company or lender will require you to buy full-coverage car insurance. The following optional coverages can provide even greater financial protection:
Cheapest car insurance for drivers with an incident
An incident is an event that might affect your car insurance price. It could mean an at-fault accident, but not always. Moving violations, such as speeding tickets and OVIs, also affect your premiums because they indicate to the insurer that you’re more likely to file a claim.
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Speeding was a contributing factor in 29% of all traffic fatalities in 2021, according to data from the National Highway Traffic Safety Administration.3 Insurance companies raise prices for several years for drivers who have been caught speeding, but you can still get a good quote.
Columbus drivers with a speeding ticket pay $113 per month for liability coverage and $186 per month for full coverage. In the table below, you can see how liability-only rates compare for drivers with a clean record and drivers with speeding tickets.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
Any kind of accident can result in a rate increase, but at-fault accidents have the strongest effect on your premiums. Liability insurance for Columbus drivers with an accident on their record costs $117 per month, on average.
The following insurers offer the lowest liability-only quotes for drivers with accidents on their driving record.
Cheapest car insurance for drivers with an OVI: State Farm
Of all the incidents likely to increase your car insurance costs, OVIs typically have the most effect.4 An OVI typically doubles your premium if you’re insured in Columbus, no matter what company you use. Columbus drivers with an OVI pay an average of $147 per month for minimum coverage. That average increases to $240 per month for full coverage.
The following insurers offer the cheapest minimum-coverage quotes for drivers with OVIs in Columbus.
Cheapest car insurance for seniors: Mile Auto
Conventional wisdom says young drivers are riskier drivers, and that’s true, to a point. Teens pay higher premiums than other age groups, but rates generally decrease around age 25. But prices begin to climb again once a driver reaches age 70 due to higher accident risks for seniors. Still, senior drivers pay less than the average driver, according to Insurify data.
Senior drivers in Columbus pay an average of $76 per month for liability insurance. Explore rates for senior drivers in the table below.
Cheapest car insurance for teens: Mile Auto
Teen drivers pay higher car insurance rates than other age groups, with premiums 45% to 50% higher than average in Columbus. Their lack of experience behind the wheel and high accident rates make them riskier for insurance companies to insure, which leads higher prices.
Teen drivers in Columbus pay monthly averages of $194 for liability coverage and $317 for full coverage.
Despite the higher averages, insurance companies provide teens with various ways to reduce their costs, including staying on their parents’ insurance policies, driving an inexpensive car, and keeping their grades up to earn a good student discount.5 Keep in mind that drivers younger than 18 can't legally buy their own policies without the written consent of a parent or guardian.
Columbus car insurance quotes by credit tier
Ohio insurance companies can use your credit information to generate a credit-based insurance score that estimates your risk of filing a claim. Credit is just one of many factors insurers use when evaluating how risky you are to insure.7
As you can see in the chart below, higher credit scores correlate with lower premiums, while drivers with bad credit scores typically pay higher premiums.
Is car insurance more expensive in Columbus?
Location is a major factor in how much you pay for insurance. Premiums vary from one ZIP code to the next, based on vehicle crime and accident rates, for example.
Columbus drivers pay more than the national average for car insurance. And they pay more than residents of most other Ohio cities Insurify looked at — Canton in particular. But you’ll pay less in Columbus than if you lived in Toledo.
More cities in Ohio
Here’s a look at the average monthly quotes for popular cities in Ohio and how they compare to Columbus’s average.