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Finding the cheapest car insurance quotes in Columbus shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Columbus
The car insurance rate in Columbus is $942 for a six-month policy, which is $18 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, making it a popular choice for budget-conscious drivers. Rates in Columbus can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $491 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $643 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AAA
AAA offers auto insurance
rates at $660
for six months, making it
the third cheapest auto insurance company in Columbus.
Columbus Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Columbus, AR is AutoOwners Insurance Co, offering policies at just $491 for a six-month term. This is followed by Travelers, which has an average six-month premium of $643.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1745 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Columbus drivers find the best deals.
Way's key takeaways about car insurance in Columbus
The auto insurance costs in Columbus fall around $491 for six
months.
The cheapest auto insurance company in Columbus is USAA.
Teen drivers pay the highest rate in Columbus at $1042 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Columbus
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Columbus are given below.
USAA provides
the cheapest minimum car insurance
coverage in Columbus. Their Average 6 Month Premium is $175.
Farmers is the most
expensive at $606 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Columbus is AutoOwners Insurance Co
at $84 per month and $491
for six months.
Cheapest Full Coverage Car Insurance Quotes in Columbus,
AR
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Instantly!
Average Car Insurance in Columbus by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Columbus, AR increasing?
Despite maintaining a clean driving record, your car insurance rates
in Columbus, Arkansas, may be increasing due to several external factors.
Arkansas has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Columbus's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Columbus
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Columbus,AR
If you are planning to get a car insurance policy for your teenage
dependent, Hanover provides the cheapest car
insurance in the Columbus at $27
per
month. At $6131 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Columbus.
As young drivers face the highest rates in Columbus, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Columbus,
Southern Farm Bureau is
the cheapest car insurance provider. At $297 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Columbus is State Farm, offering
rates of around $4041 for six
months.
Save up to $971/yr on car insurance rates in Columbus.
Car Insurance Rates with An Accident in Columbus
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Columbus, AR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Columbus
The cheapest car insurance companies after an at-fault accident in
Columbus include Hanover
and Travelers, offering $182
and $309,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2563.
Here is a list of driving violations that can increase your car
insurance rates in Columbus AR. For example, the car
insurance in Columbus
after a DUI increases to $684 for a six
month policy. While the rate increases by $290 for a six-month policy in the case of
a speeding ticket.
Columbus auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1212
$202
One Med/PIP claim
$1230
$209
Not-at-fault accident
$1236
$206
One comp claim
$1236
$210
Two Med/PIP claims
$1255
$209
Two comp claims
$1284
$218
Failure to wear a seat belt
$1455
$243
Child safety restraint
$1466
$249
Driving without lights
$1466
$245
Failure to show documents
$1484
$252
Driving with expired registration
$1502
$251
Speeding 6 - 10 MPH over limit
$1502
$255
Driving too slowly
$1509
$252
Speeding 11 - 15 MPH over limit
$1509
$256
Speeding in school zone
$1509
$252
Speeding 16 - 20 MPH over limit
$1515
$258
Failure to stop at a red light
$1521
$253
Failure to yield
$1521
$259
Wrong way/wrong lane
$1527
$254
Cell phone violation
$1533
$261
In 65 MPH zone
$1533
$255
Texting while driving
$1533
$261
Following too closely
$1539
$256
Illegal turn
$1539
$262
Improper passing
$1539
$256
Speeding 21 - 25 MPH over limit
$1569
$267
At-fault accident - less than $1000
$1575
$262
Passing school bus
$1587
$270
Operating a vehicle without permission
$1636
$272
Open container
$1667
$284
At-fault accident - $1000-$2000
$1702
$284
At-fault accident - greater than $2000
$1709
$291
DUI
$1896
$316
Racing
$1896
$322
Refusal to submit to a chemical test
$1896
$316
Reckless driving
$1927
$327
Driving with a suspended license
$1981
$330
Leaving scene of an accident/hit and run
$2018
$343
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Columbus after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Columbus.
The cheapest car insurance premiums in
Columbus are
offered by Hanover at $194 for a six-month policy.
However, it can be as
expensive as $2581 with companies
like Nationwide.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Columbus are offered by Hanover
at $169. However,
it can be as expensive as $1987
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Columbus after Speeding ticket
Car insurance rates in Columbus have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Columbus remained steady at $202 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Columbus remained steady at $47 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Columbus by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Columbus. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Columbus?
The car insurance in Columbus is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Columbus?
The cheapest car insurance in Columbus
is $84 per month
for full coverage.
How much is car insurance in Columbus for teenagers?
Car insurance for teenagers costs $157 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Columbus?
The average cost of car insurance is $924 for a six-month
policy. It will cost around $158 per month to insure your
car in Columbus.
Is car insurance expensive in Columbus?
Car insurance can be expensive in Columbus if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Columbus can be
affordable.
What is the best car insurance in Columbus,
AR?
The best car insurance company in Columbus
AR is
AutoOwners Insurance Co, offering $491 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Columbus, AR
Car Insurance Rates by State in the USA (2025 Update)
Columbus Car Insurance
