For a 40-year-old driver with a clean record, Columbus car insurance averages about $161 a month ($1,928 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% above the Ohio average of $137 a month. Progressive has the lowest full-coverage average of the four major insurers we compared (Allstate, Erie, GEICO and Progressive), at about $108 a month.
Columbus is the most expensive of the seven Ohio cities we publish guides for, and Franklin County is the most expensive of the 86 Ohio counties we price. Our benchmark driver pays about $24 a month more here than the state average and about $3 a month more than in Cleveland.
Our data covers 28 ZIP codes with a Columbus mailing address. They range from about $142 a month in 43085 to $179 in 43211.
Cost data comes from the auto rates insurers file with state regulators, priced across all 28 Columbus ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Columbus averages $1,928 a year, or about $161 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $562 a year ($47 a month), and 50/100/50 liability with comprehensive and collision averages $1,930 ($161 a month).
Progressive has the lowest full-coverage average among the four insurers in our Columbus rate data. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA, which sells only to military families; others put Travelers or Auto-Owners first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these four insurers, at about $28 a month, followed by Erie at $38.
Full-coverage averages by insurer in Columbus
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $340 | $28 | $1,290 | $108 |
| GEICO | $570 | $48 | $1,727 | $144 |
| Erie | $460 | $38 | $1,786 | $149 |
| Allstate | $877 | $73 | $2,907 | $242 |
| State Farm (Nov. 2025 rates)* | $459 | $38 | $1,658 | $138 |
| USAA (military families)* | $312 | $26 | $1,215 | $101 |
| Grange Insurance* | $317 | $26 | $1,503 | $125 |
| Auto-Owners* | $441 | $37 | $1,938 | $162 |
| Westfield* | $452 | $38 | $2,127 | $177 |
| Travelers* | $804 | $67 | $2,691 | $224 |
| Columbus average | $562 | $47 | $1,928 | $161 |
This table uses Columbus ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 28 Columbus ZIP codes we price, full coverage for our driver ranges from about $142 a month in 43085 to $179 in 43211, a gap of $434 a year. North-side ZIP codes such as 43085, near Worthington, and 43240, near Polaris, are the least expensive in our data, and ZIP codes just east and northeast of downtown, such as 43203 and 43211, are the most expensive.
Lowest-priced Columbus ZIP codes
Highest-priced Columbus ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Columbus’ average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 43085 | $538 | $45 | $1,708 | $142 | -12% |
| 43201 | $544 | $45 | $1,921 | $160 | -1% |
| 43202 | $550 | $46 | $1,899 | $158 | -2% |
| 43203 | $565 | $47 | $2,107 | $176 | +9% |
| 43204 | $569 | $47 | $1,937 | $161 | About average |
| 43205 | $565 | $47 | $2,072 | $173 | +7% |
| 43206 | $563 | $47 | $2,043 | $170 | +6% |
| 43207 | $581 | $48 | $1,975 | $165 | +2% |
| 43209 | $560 | $47 | $1,931 | $161 | About average |
| 43210 | $558 | $47 | $1,920 | $160 | -1% |
| 43211 | $590 | $49 | $2,142 | $179 | +11% |
| 43212 | $529 | $44 | $1,793 | $149 | -7% |
| 43213 | $579 | $48 | $1,957 | $163 | +1% |
| 43214 | $545 | $45 | $1,835 | $153 | -5% |
| 43215 | $554 | $46 | $1,881 | $157 | -2% |
| 43219 | $583 | $49 | $2,061 | $172 | +7% |
| 43220 | $546 | $46 | $1,850 | $154 | -4% |
| 43221 | $535 | $45 | $1,800 | $150 | -7% |
| 43223 | $573 | $48 | $2,018 | $168 | +4% |
| 43224 | $591 | $49 | $2,062 | $172 | +7% |
| 43227 | $585 | $49 | $2,040 | $170 | +6% |
| 43228 | $559 | $47 | $1,872 | $156 | -3% |
| 43229 | $583 | $49 | $1,946 | $162 | +1% |
| 43230 | $545 | $45 | $1,798 | $150 | -7% |
| 43231 | $585 | $49 | $1,895 | $158 | -2% |
| 43232 | $588 | $49 | $1,999 | $167 | +4% |
| 43235 | $536 | $45 | $1,768 | $147 | -9% |
| 43240 | $532 | $44 | $1,744 | $145 | -10% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Columbus data: with the same $500 deductibles, full coverage averages $1,928 a year and 50/100/50 averages $1,930. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the same insurers in the same Columbus ZIP codes, full coverage averaged $2,034 a year nine months earlier and $1,928 in rates as of Aug. 31, 2026, a 5.2% drop. Progressive cut its Columbus average 21.2%, Erie 3.6% and GEICO 0.6%, while Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 4.9%, led by Progressive, which cut its liability-only average 26.7%.
Franklin County averages about $157 a month for full coverage in our data, the highest of any Ohio county. Neighboring Delaware County averages $138, Licking County $139 and Fairfield County $139.
Suburbs cost less than the city itself: Dublin and Westerville each average about $140 a month, Grove City $141 and Hilliard $146. Ohio lets insurers price by where you live, so neighboring cities can be priced differently.
More Ohio cities and towns are in the Ohio rates by city table, and you can compare states on our car insurance rates by state page.
Dayton, about 65 miles west, averages $134 a month, and Cincinnati, about 100 miles southwest, $152. Cleveland averages $158.
Drivers in Columbus follow Ohio’s rules. Every policy must include at least:
Uninsured and underinsured motorist coverage is optional in Ohio, and insurers don’t have to include it, so check whether your policy has it. Our Ohio requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Ohio law and the Ohio Department of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Columbus averages about $161 a month ($1,928 a year) and liability-only coverage at 15/30/10 limits about $47 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% above the Ohio average of $137 a month.
Progressive has the lowest full-coverage average in our Columbus rate data, at about $108 a month, followed by GEICO at $144. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among the four major insurers we compared, at about $28 a month. The published 2026 statewide Ohio rate studies we reviewed most often rank Grange or GEICO cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Columbus full coverage averages about $161 a month, 18% above the Ohio average. Franklin County is the most expensive of the 86 counties we price, and prices are highest just east and northeast of downtown, at about $179 a month in 43211.
In our data, 43085 has the lowest full-coverage average in Columbus, at about $142 a month, and 43211 the highest, at about $179. The ZIP code table on this page lists all 28.
In our Columbus data, full coverage (100/300/100 with $500 deductibles) averages about $161 a month and liability-only coverage at 15/30/10 limits about $47, a difference of about $114 a month ($1,366 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Ohio law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Columbus full coverage fell 5.2% over the past nine months, from about $2,034 to $1,928 a year. Progressive cut its Columbus average 21.2%, Erie 3.6% and GEICO 0.6%. Liability-only coverage at 15/30/10 limits fell 4.9%.
For our benchmark driver, full coverage in Columbus averages about $161 a month. Nearby, Dayton averages about $134, Cincinnati about $152 and Canton about $134. Dayton, Cincinnati and Canton are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
