Find Cheap Car Insurance in Columbus, OH

Columbus, Ohio, is a city steeped in history. Founded in 1812 and named after the explorer Christopher Columbus, it is one of the most populated cities in the U.S. and boasts a dynamic environment.

You can explore the Short North Arts District, with its galleries and boutiques, or take a relaxing stroll along the Scioto Mile, a landscaped park that stretches along the river.

In the Buckeye State, auto insurance is a must-have. For the best coverage tailored to your needs, Acceptance Insurance is the go-to choice, no matter your driving history or if you’ve just started driving. Dive into this guide to learn how to obtain cheap car insurance in Ohio and other tips you need to know to protect yourself behind the wheel and save.

In Columbus, basic liability auto insurance costs an average of $30 per month, which is quite a steal compared to the national average of $52 and just slightly above Ohio’s average of $28.

If you are considering upgrading to full car coverage, you might expect to pay around $93 per month. This is $7 less than Ohio’s average of $100 and significantly lower than the national average of $168. So, opting for the comprehensive coverage option will give you peace of mind without costing you a fortune.

What Does it Mean if Ohio Is an At-Fault State?

Whether you’ve unfortunately caused a collision or found yourself on the receiving end of one, understanding Ohio’s fault system can help you navigate the aftermath of a car accident more effectively. Here’s what that entails:

• The at-fault driver is responsible for paying for the other driver’s vehicle repairs, medical expenses, and any other losses incurred in the accident.
• If you are not at fault in an accident, you have the right to demand that the responsible party cover your damages.
• Through this system, the state requires all drivers to have at least liability coverage.

Differences in car insurance costs in Columbus compared to other Ohio cities stem from factors like population density, traffic flow, and local crime rates. Generally, rates are lower in smaller cities with lighter traffic. See the table below for a breakdown of average monthly rates in different cities across the state.

Compare Car Insurance Rates by Zip Code in Columbus

Coverage rates can vary widely depending on the zip code you call home. Zip codes with a younger population, more car accidents, and higher claim rates will have higher premiums compared to rural areas with more experienced drivers and fewer accidents. Take a look at the breakdown below to see the average monthly auto insurance premiums for different zip codes in Columbus.

Low-Cost Car Insurance Rates by Age in Columbus

Are you under 25 or navigating the roads for the first time? Get ready to be labeled a high-risk driver by carriers and brace yourself for more increased premiums than those of seasoned drivers. Below, we break down the average monthly cost of vehicle protection across different age groups in Columbus.

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

How Many Accidents Happen Per Year in Columbus, Ohio?

Based on info from the Ohio State Highway Patrol, Ohio has about 1,154 fatal crashes yearly, and quite a few happen in Franklin County, home to Columbus city. This county saw a whopping 537 fatal crashes between 2018 and 2022.

Car accidents can affect your insurance rates, so be cautious when driving in Columbus, especially on I-71 between Exits 110B and 116, where crashes are pretty common. To keep yourself safe and prevent hikes in your coverage costs, avoid driving after drinking and always follow seatbelt laws.

Are Road Infrastructure and Bridges in Columbus Well Maintained?

A significant portion of Columbus’ infrastructure is currently undergoing upgrades or reconstruction to alleviate the frequent traffic congestion and accidents in its Downtown area.

The most substantial effort is the I-70/I-71 Downtown Ramp Up Project led by the Ohio Department of Transportation. This project, slated to continue until 2030, requires a substantial investment of 1 billion dollars to establish new urban avenues featuring complete streets, improved freeway crossings with safe accommodations for pedestrians and cyclists, and the elimination of unsafe ramps.

Every driver cruising around Columbus or anywhere else in Ohio needs to have the bare minimum in liability auto insurance—it’s the law. Here’s the breakdown:

• $25,000 for each person’s bodily injury
• $50,000 for bodily injury coverage per accident
• $25,000 for any property damage caused

While Ohio ranks 10th in the U.S. for uninsured drivers, the consequences of driving without coverage are no joke.

Penalties include license suspension for 90 days to two years, losing your vehicle plates, and facing high-risk insurance. To reinstate your license, you’ll need to pay fees ranging from $40 to $600, along with possible impound fees. Accumulate multiple violations, and you could be barred from registering a vehicle in Ohio for up to five years.

To sum up, prioritize your safety and ensure you have coverage before hitting the road!

Throughout this guide, you’ve learned that your car insurance rates factor in your age, city, and zip code. However, there are also other elements that impact your premiums, such as:

• Where you work
• Your deductible amount
• Liability limits
• Your driving history
• Your educational background

Navigating the roads of Ohio offers a blend of scenic beauty and urban congestion. From the bustling streets of Cleveland and Cincinnati to the capital city of Columbus, drivers encounter heavy traffic at times, particularly during peak hours.

In Columbus, ongoing construction and closures on the I-70 and I-71 can present challenges for drivers. To adapt to these changes, it is advisable to plan your routes in advance, stay informed about traffic updates, and allocate extra time for your travels. Drive attentively and prepare for potential delays along the way.

Are you hoping to save some cash and boost your savings a bit? Well, Check out auto insurance discounts for a better monthly budget.

In Columbus, you can access several discount options, such as: