Compare Multiple Free Columbus, Ohio Car Insurance Quotes

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Get cheap car coverage rates in OH

Find Cheap Car Insurance Policies in Columbus, Ohio

Navigating the roads of Columbus, Ohio, offers drivers a journey through the heart of the Buckeye State’s capital. As the largest city in Ohio with multiple drivers on the road – when it comes to finding the best car insurance rates in Columbus, drivers should take advantage of InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools. By getting multiple free auto insurance quotes from our database of the cheapest local and national insurance companies all in one place, you can ensure that you are getting the most affordable coverage for your vehicle. With rising costs associated with owning a car, it is crucial for drivers to be proactive in searching for ways to save money on their premiums.

How Much Does Car Insurance Cost on Average in Columbus, OH?

  • State minimum liability on average in Columbus costs $72 a month or $865 a year. Full coverage auto policies costs around $243 a month or $2,912 a year in Columbus.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Columbus – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

Columbus, Ohio Car Insurance

Which Insurance Companies Have the Cheapest Car Insurance in Columbus, OH?

Here are the average policy rates from the cheapest local and national insurance providers in Columbus from our cost database of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Company:State Minimum:Monthly:Full Coverage:Monthly:
Erie Insurance$386$32$1,784$149
State Farm$1,182$98$3,546$295

How Much Car Insurance Do I Need in Ohio?

In Ohio, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Ohio includes:

  1. Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Ohio requires minimum bodily injury liability coverage of:
    • $25,000 per person injured in any one accident
    • $50,000 for all persons injured in any one accident
  2. Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Ohio requires minimum property damage liability coverage of:
    • $25,000 for injury to or destruction of property of others in any one accident
  3. Uninsured/Underinsured Motorist Bodily Injury Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages. Ohio requires minimum UM/UIM coverage of:
    • $25,000 per person
    • $50,000 per accident

These are the minimum coverage requirements mandated by Ohio law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection. It’s essential to carefully consider your coverage needs and budget when selecting car insurance in Ohio, ensuring you have adequate protection while complying with state requirements. Consulting with an insurance agent can help you tailor a policy that meets your specific needs and financial circumstances.

While the above coverages are required by law, Ohio also offers additional optional coverage types for drivers to consider, including:

  1. Collision Coverage: This coverage pays for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
  2. Comprehensive Coverage: This coverage pays for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
  3. Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
  4. Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
  5. Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
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