Best Columbus, OH Auto Insurance in 2025 (Top 10 Company Ranking)

Allstate, Progressive, and Nationwide offer the best Columbus, OH auto insurance, starting at $27 monthly. Allstate leads the auto insurance in Columbus for its deductibles incentives and nationwide coverage.

Progressive excels in its personalized rates based on actual driving. Nationwide has a total loss deductible waiver and exclusive loyalty savings opportunities. Check more of the best and most affordable auto insurance in Columbus in the table below.

Our Top 10 Company Picks: Best Columbus, OH Auto Insurance

We aim to inform you so you can find the cheapest auto insurance in Columbus, Ohio. Some of the factors we discuss, like driving records and credit scores, can help you get cheap auto insurance in Columbus, Ohio.

Do you need cheap auto insurance in Columbus? Look no further! This absolute cheapest auto insurance guide will give you all you need to know about auto insurance in your area by entering your ZIP code.

#1 – Allstate: Top Overall Pick

Pros

• Drivewise and Safe Driving Bonus: Safe driving behavior is rewarded, and a bonus is given every six months for continuously having a clean driving record.
• Deductibles Incentives: A $100 immediate discount upon enrollment and another $100 yearly for a clean driving record, up to $500.
• Nationwide Coverage: Policyholders can access roadside assistance 24/7, even outside Ohio. Learn more about this coverage on the Allstate auto insurance review.

Cons

• Privacy Concerns on Drivewise: This program uses telematics to track driving habits, which some drivers may feel uncomfortable with.
• Mixed Customer Service Review: While Allstate agents in Columbus provide satisfactory service, there are long wait times and delays in claims resolution.

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#2 – Progressive: Best for Snapshot Program

Pros

• Personalized Rates Based on Actual Driving: The Snapshot Program determines premiums based on drivers’ driving habits, such as mileage and acceleration.
• Unique Savings Opportunities: Snapshot offers discounts upon participation and annual savings for safe driving habits. Learn more about this program in Progressive auto insurance review. 
• Customizable Deductibles and Coverage Limits: Policyholders can adjust deductibles and limits to match their budget through the Name Your Price tool.

Cons

• Expensive Rates for Some Drivers: Progressive charges high-risk drivers and those with poor credit more than safe drivers.
• Snapshot Risk: Snapshot can raise monthly premiums for showing risky driving behaviors.

#3 – Nationwide: Best for Loyalty Rewards

Pros

• Exclusive Loyalty Benefits: Car key replacement of up to $400 and  $250 for emergency lockout reimbursement. Get more loyalty perks in the Nationwide auto insurance review.
• Safe Driving Incentives: Usage-based insurance perks of instant 10% upon participation and up to 40% for maintaining safe driving habits.
• Total Loss Deductible Waiver: Nationwide waives the policyholder’s deductibles to avoid paying out-of-pocket for claims when a car is totaled.

Cons

• Higher Base Premiums: Nationwide has higher base premiums than Geico and Progressive, even with loyalty programs in effect.
• Limited Accident Forgiveness: This feature is not available in all states or for all customers since it requires some conditions to be met and costs extra.

#4 – Liberty Mutual: Best for Multi-Policy Discounts

Pros

• Flexible Bundling Options: Bundling your policies, such as home and auto, can result in big savings on monthly rates. Check the Liberty Mutual auto insurance review for more bundling options.>
• Additional Policy Discounts: Liberty Mutual offers multiple savings methods, including multi-car, autopay, and online purchase savings.
• <Local Expertise: State Auto Group’s headquarters are in Columbus, which was acquired by Liberty Mutual, strengthening its regional presence.

Cons

• Savings Vary by Customer:Bundling savings is not fixed; it depends on customers’ credit scores, claims history, and more.
• Potential for Price Increases Over Time:Liberty Mutual has affordable auto insurance in Columbus, Ohio, but rates increase later in policy terms.

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#5 – Travelers: Best for Theft Protection

Pros

• Comprehensive Coverage: This covers non-collision-related damages and expenses, including theft, to help replace or repair.
• Personal Property Protection: Premier roadside assistance provides more personal property coverage of up to $500. Learn more in the Travelers auto insurance review. 
• Identity Fraud Expense Reimbursement: Travelers offer this in case vehicle theft leads to identity fraud, covering up to $25,000 in expenses with no deductibles.

Cons

• Deductibles Apply to Theft Claims: Although the policy covers stolen cars, policyholders must pay the deductible before getting reimbursements.
• No Special Anti-Theft Device Discounts: Car features like LoJack, VIN etching, and GPS trackers get discounts from other insurers, but Travelers do not.

#6 – Geico: Best for Affordable Rates

Pros

• Competitive Premiums: Geico is known for its low minimum and full coverage rates in Columbus, which are only $30 and $76 monthly.
• Affordable Options for High-Risk Drivers: Drivers with few violations get affordable auto insurance in Ohio even after a speeding ticket, and the full coverage cost is just $83 a month.
• More Savings Opportunities: To reduce premiums, use discounts like multi-vehicle, good driver, and bundling. Geico auto insurance review listed all the savings options.

Cons

• Fewer Coverage Add-Ons: New car replacement, vanishing deductibles, and gap insurance are unavailable in Geico.
• Higher Rates for Some Drivers: Geico changes higher for high-mileage and high-risk drivers, unlike some insurers with specialized policies.

#7 – State Farm: Best for Agent Network

Pros

• Personalized Service from Local Agents: An extensive network of agents offers policy customization and quick assistance in Columbus.
• Safe Driving Programs: The Steer Clear program is for young drivers who complete safe driving courses, and Drive Safe and Save is for lowering premiums through good driving habits.
• Multiple Savings Options: It has bundling, good student, and accident-free discounts. Check the State Farm auto insurance review to learn all the discounts.

Cons

• Claims Denials and Adjustments: Some customers had an issue with delays in claims processing and lowball settlements.
• Limited Add-Ons Offer: Unlike other insurance companies, Stae Farm offers fewer add-ons, such as gap insurance, which is unavailable.

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#8 – The Hartford: Best for AARP Program

Pros

• AARP Benefits & Discounts: AARP members can have lifetime renewal and 12-month rate protection providing cost stability.
• Senior-Focused Coverages & Perks: Seniors get more perks like RecoverCare and 24/7 roadside assistance. Check all senior perks in the Hartford auto insurance review. 
• Safety-Focused Savings: Hartford offers discounts for vehicle safety features, low mileage, and defensive driver courses.

Cons

• High Rates: Base rates in Hartford are more expensive than other insurers, especially for high-mileage drivers.
• Limited Availability: The exclusive perks are for AARP members only, and young drivers tend to get higher premiums.

#9 – Farmers: Best for Customizable Coverage

Pros

• Wide Range of Coverage Options: Farmers allow the mix and match of various coverage, such as spare parts, new car replacements, and OEM parts.
• Unique Add-On Coverages: Add-ons like rideshare, loss of use coverage, and glass deductibles payback are available. All these and more in Farmers auto insurance review. 
• Strong Local Agent Network: With many local agents in Columbus help in policy customization for classic cars, high-risk drivers, and business vehicles.

Cons

• Limited Availability of Discounts: Discounts are fewer, and the Signal program needs telematics tracking, which some drivers do not prefer.
• Higher Rates: Budget-conscious drivers find Farmers expensive, especially the high-risk drivers.

#10 – Erie: Best for Stable premium

Pros

• No Expected Rate Increase: Erie has rate lock features that prevent premiums from increasing due to factors like accidents, claims, and general market fluctuations.
• High Claims Satisfaction: Consistently on top of claims handling and resolution. The steps of the claims procedure are explained in the Erie auto insurance review. 
• No Hidden Fees for Coverage: Erie offers comprehensive plans with no additional charges for pet injury, rideshare, and new auto security.

Cons

• No Online Quotes: Erie requires customers to work with an agent to get insurance quotes unlike competitors that give online quotes.
• Limited Availability: Erie is not available in all states, so policyholders moving outside Ohio must switch insurers.

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Best Columbus, Ohio Auto Insurance Monthly Rates

Maintaining coverage in Columbus might cost your average motorist around $ 155 monthly. But right now, you can shop around and find $27 monthly coverage. Check the table below for the detailed rates.

Columbus, OH Auto Insurance Monthly Rates by Provider & Coverage Level

Erie, Progressive, and Geico offer the lowest rates in Columbus: $27, $28, and $30, respectively. You can also learn more about Ohio auto insurance here.

Policyholders should also consider customer service, coverage options, and discounts. Comparing multiple providers can help them achieve the best balance of affordability and protection.

Be sure to look into a company before you switch. Basing your decision on price alone could result in less-than-optimal customer service or a poor claim-filing experience.

Top Providers and Discounts for the Best Columbus, Ohio Auto Insurance

Auto insurance providers in Columbus, OH, offer different savings options to help policyholders save on premiums. Here is a list of car insurance discounts you can lean on.

Auto Insurance Discounts From Top Columbus, OH Providers

These options can significantly reduce the overall cost of auto insurance in Columbus. Whether you’re a safe driver, a student, or a teen driver, exploring these discounts with different insurers can help you find the best coverage at the most affordable car insurance in Ohio rate.

Best Columbus, Ohio Auto Insurance

Allstate stands out as the best auto insurance in Columbus for its deductible incentives, which could reach up to $500 a year for maintaining a clean driving record. Moreover, it has 24/7 roadside assistance nationwide, so even outside Ohio, you can still access roadside assistance.

Columbus is Ohio’s capital and the state’s most populous city. It was chosen as the capital because of its strategic location on both the National Highway and the National Canal systems.

Columbus is the home of prosperous industries such as insurance, technology, education, and research. Between the college town atmosphere, the good schools, and the affordable housing, Columbus has earned many awards as an all-American city.

Fun fact: Columbus is #16 on the list of the “Top 100 biggest cities.”

We discuss rates, compare auto insurance companies, and review factors influencing your rates and state auto insurance. By the end, you’ll know all you need to know to decide on auto insurance in Columbus and how to find affordable one.

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Auto Insurance Coverage Requirements in Ohio

Driving legally in Columbus requires minimum liability insurance. Check the table below.

Auto Insurance Minimum Coverage Requirements in Ohio

Liability coverage only protects you from accidents and other forms of vehicle damage that you are deemed responsible for. This includes property damage liability insurance coverage that pays for any damage you caused or were found at fault for. But if someone else hits you, or if an act of nature damages your vehicle, you may end up paying for everything to get fixed or replaced.

Major Auto Insurance Factors in Columbus

A wide array of numerous things might factor into your rate quotes. While many specific factors aren’t really anything you can do something about, a few are factors you can change for the better. Here are a few elements that might change your automobile insurance premium.

Getting cheap auto insurance in Columbus, Ohio, requires knowing the factors affecting your rates and finding the best way to find that cheap insurance. This involves being aware of how different companies give different rates, often for the very same factor like driving record.

There are exceptions, of course. If you’re ready to get free auto insurance quotes for Columbus drivers, simply enter your ZIP code into our online quote comparison tool. It’s an easy and fast way to find the best cheap insurance near me.

Your ZIP code

Your auto insurance rates can vary depending on where you call home. Usually, populous areas have increased auto insurance rates since the additional number of drivers on the highway increases the chance of car accidents and auto claims! Check these ZIP codes below and how auto insurance costs them.

Columbus, Ohio Auto Insurance Monthly Rates by ZIP Code

Columbus’s total population is 913,175, and the normal household income was $65,327 in 2023. These statistics show that auto insurance premiums vary by only a few dollars.

Your Credit Score

Credit scores are one factor that greatly impacts auto insurance rates. Often, a poor credit score can lead to rates hundreds, if not thousands, of dollars higher than those of some with a good credit score or even an excellent credit score. Some states have better or worse credit scores than others.

Columbus, Ohio Auto Insurance Monthly Rates by Credit Score

Some companies, such as Geico, give drivers with poor credit a financial break on their monthly premiums. Other companies, however, consider these types of motorists to be high-risk drivers and might double their premiums or more.

Your Age

Another high-risk group of drivers is young drivers with less experience behind the wheel. There are discounts for students with good grades and those who have taken driving courses, but the rates still might be high.

Columbus, Ohio Auto Insurance Monthly Rates by Provider, Age, & Gender

All auto insurance companies in Columbus, Ohio, charge higher premiums for younger drivers (age 17), while Nationwide offers the lowest rates for 34-year-old drivers, which differ greatly at only $66.

Read more: Car Insurance for Students: Saving 101

Your Driving Record

Most automotive insurance companies consider your driving record as a potential predictor of whether you will need to file claims in the future. Look at the table below.

Columbus, Ohio Auto Insurance Monthly Rates by Driving Record

Therefore, motorists with a checkered past on their record might end up paying higher premiums. But accident forgiveness and similar discounts are available, which could lower your rate.

Although some states prohibit demographic factors like marital status or location based on ZIP code, every state allows auto insurance in Columbus, OH, to factor in driving records when setting insurance rates.

Read more: Cheap Auto Insurance for a Bad Driving Record in 2025 

Your Vehicle

Safety features and car alarms might help lower your monthly rate, but the biggest factor is how much it will cost to fix or replace your vehicle and how much coverage you will need to purchase. This is why a luxury vehicle will cost much more to insure than an older, used sedan. Here are the rates based on the type of vehicle.

The most expensive cars to insure are the luxury and high-value vehicles like the Tesla Model 3, which have significantly higher premiums than more affordable sedans like the Hyundai Elantra.

Automotive Accidents in Columbus

No matter where you live, if accident rates are high on the roads you drive each day, your provider will likely raise premiums for your area. In the chart below, you can see the statistics for your ZIP code. If these numbers seem high, talk to your provider about ways to lower your rate, such as safe driver discounts.

Larger vehicle categories like sedans and SUVs are more prone to accidents, possibly due to their higher presence on the roads. Meanwhile, luxury cars and electric vehicles report fewer accidents, which could be due to lower ownership rates or advanced safety features.

Auto Thefts in Columbus

Vehicle theft can be a serious problem, particularly in densely populated locations. If your location and/or vehicle model place you at a higher risk for theft, you might have issues obtaining low-cost auto insurance in Columbus, Ohio.

The total number of stolen automobiles in 2023 was 10,660 for the city of Columbus. Because auto theft rates are so high, you might want to ensure you have comprehensive and collision coverage on your policy—even if it raises your premiums.

Minor Auto Insurance Factors in Columbus

The factors below might only influence your monthly payment by a few dollars or less, but they can make an impact together. We cover five factors here, including marital status and driving distance to work.

Read more: How does an insurance company determine my premium?

Your Marital Status

There isn’t that much of a price difference between married and single drivers, but married individuals can easily bundle multiple discounts with their spouses. And the more you bundle, the more you can save.

Bundling insurance with a spouse can be smart, but weighing the costs and benefits based on both partners’ driving history and insurance needs is essential.

Read more: Newlyweds Discount: How Much Can You Save?

Your Gender

Who do you think gets charged more for insurance: men or women? The answer is it depends on the company. Some companies will charge male drivers more, while others will give discounts to females. Many companies don’t bother to change rates based on gender at all.

Often, insurance companies react to evidence that males are more risky drivers, leading to more car accidents and auto claims and more cost the insurance company money. So, auto insurance rates are generally higher for males, though this has changed slightly in recent years.

Your Driving Distance to Work Increases Possibilities for Auto Accidents

Like many large cities, Columbus can have lengthy commute times. Average auto insurance cost commutes can last as long as 16-23 minutes, but they can be longer if you live farther from the city center.

Around 76 percent of motorists drive their own vehicle alone into work, while up to 20 percent carpool.

Many insurance companies view driving distance to work or commute distance as indicative that a driver will drive a certain amount of miles per year.

The idea is that drivers who drive more have great opportunities for an accident and making a claim, which costs the auto insurance company money. Are you wondering what questions your insurance company asks you about things like “yearly mileage” or “use of the vehicle”?

Well, don’t lose too much sleep over it. Other than business vehicles, which can see as much as a 10-12 percent increase in premiums, you’d have to make some drastic changes in your driving habits just to see a small discount.

Your Coverage and Deductibles

Changing your deductible is a quick and easy way to lower your monthly payment, but it can also be risky. The detailed video below explains deductibles more.

The best strategy is to save some money if you must pay that deductible when filing a claim. Also, remember that deductible rules can vary from company to company. Compare cheap Columbus auto insurance estimates online to ensure you still receive the most affordable insurance in Columbus.

Education Can Lower Your Auto Insurance Rate

A solid 90 percent of residents have successfully achieved their high school diploma, while another 35 percent have completed a bachelor’s degree.

Drivers with a college degree are in a good position to save money on their auto insurance because providers have begun offering lower rates to drivers with advanced degrees in recent years.

Columbus is home to Ohio State University, a major institution for higher learning locally as well as on the national level. Students can earn a bachelor’s degree, a graduate degree, or a doctorate. It also offers a branch facility for students who would rather pursue an associate’s degree. Other four-year institutions in the area include Capital University, Franklin University, and the Columbus College of Art and Design.

Obtaining inexpensive auto insurance can be a challenge. There’s a lot of information you need to consider, and figuring out the way in which insurance providers assess your probable risk may be complex.

Don’t let an insurance agent talk you into spending more than you need to. Do your research, compare quotes, know what discounts you qualify for, and get the best coverage for your driving and vehicle use.

Read more: 10 Key Ways College Students Can Save Money on Auto Insurance

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How We Conducted Our Auto Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Comparing rates from different companies is the quickest and easiest way to get the best Columbus, OH auto insurance. Plug your ZIP code into our free quote tool to get the best auto insurance coverage options for your needs.