Driving in Columbus can be challenging even for experienced drivers — and it doesn’t help that almost everyone on the road thinks they’re a better driver than you. A study by Nationwide found that 94% of drivers in Ohio rate their own driving as very good or excellent, but only 26% rate other drivers that highly. Because so many people overestimate their skills behind the wheel, it’s essential for Columbus drivers to carry the right car insurance policy.
We’ve rounded up data from Columbus drivers who received quotes via Jerry to show you how your age, driving history, preferred coverage and location within the city can affect your car insurance costs.
More: Best car insurance in Ohio
Cheapest minimum coverage insurance in Columbus
Ohio drivers must have the following minimum coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 for property damage liability.
These are the cheapest car insurance quotes that real Jerry customers in Columbus have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $22 | $268 | Progressive | 59 | March 25, 2025 | Columbus, OH | 43204 |
| $23 | $272 | Progressive | 40 | June 20, 2025 | Columbus, OH | 43232 |
| $24 | $290 | Progressive | 64 | April 3, 2025 | Columbus, OH | 43228 |
| $28 | $330 | Geico | 22 | August 8, 2025 | Columbus, OH | 43207 |
| $29 | $342 | Progressive | 42 | June 22, 2025 | Columbus, OH | 43231 |
| $33 | $400 | Progressive | 43 | June 24, 2025 | Columbus, OH | 43206 |
| $34 | $402 | Progressive | 63 | August 11, 2025 | Columbus, OH | 43229 |
| $35 | $424 | Progressive | 33 | July 14, 2025 | Columbus, OH | 43215 |
| $36 | $436 | Progressive | 44 | June 26, 2025 | Columbus, OH | 43229 |
| $37 | $444 | Progressive | 45 | June 25, 2025 | Columbus, OH | 43203 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Ohio
Cheapest full coverage insurance in Columbus
Ohio’s minimum required coverage may not be enough to pay for repairs to your car if you get in an accident, or if your car is stolen or damaged by weather. Full coverage is recommended for drivers who want protection in those cases.
Here are the cheapest quotes for full coverage in Columbus, according to Jerry’s data.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $33 | $392 | Progressive | 40 | June 17, 2025 | Columbus, OH | 43221 |
| $37 | $444 | Progressive | 45 | June 25, 2025 | Columbus, OH | 43203 |
| $40 | $482 | Progressive | 44 | June 22, 2025 | Columbus, OH | 43232 |
| $42 | $498 | Progressive | 43 | June 22, 2025 | Columbus, OH | 43235 |
| $44 | $524 | Progressive | 70 | July 14, 2025 | Columbus, OH | 43207 |
| $47 | $564 | Progressive | 37 | June 13, 2025 | Columbus, OH | 43221 |
| $49 | $588 | Progressive | 37 | June 13, 2025 | Columbus, OH | 43202 |
| $57 | $686 | Progressive | 64 | April 3, 2025 | Columbus, OH | 43228 |
| $62 | $740 | Progressive | 57 | August 5, 2025 | Columbus, OH | 43201 |
| $62 | $746 | Progressive | 43 | June 21, 2025 | Columbus, OH | 43213 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Columbus (18-29 years old)
Age is a factor in your car insurance costs, and typically younger drivers pay more. That means you may have to compare quotes from multiple insurers to find a good rate. Here are the cheapest quotes young Columbus drivers received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $28 | $330 | Geico | 22 | No | August 8, 2025 | Columbus, OH | 43207 |
| $43 | $512 | Progressive | 25 | No | March 3, 2025 | Columbus, OH | 43230 |
| $50 | $598 | Progressive | 24 | No | February 25, 2025 | Columbus, OH | 43228 |
| $60 | $724 | Progressive | 21 | No | August 5, 2025 | Columbus, OH | 43201 |
| $67 | $798 | Bristol West | 25 | No | June 13, 2025 | Columbus, OH | 43215 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Columbus (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $272 | Progressive | 40 | No | June 20, 2025 | Columbus, OH | 43232 |
| $33 | $392 | Progressive | 40 | Yes | June 17, 2025 | Columbus, OH | 43221 |
| $35 | $424 | Progressive | 33 | No | July 14, 2025 | Columbus, OH | 43215 |
| $37 | $444 | Progressive | 45 | Yes | June 25, 2025 | Columbus, OH | 43203 |
| $39 | $466 | Progressive | 40 | No | June 20, 2025 | Columbus, OH | 43204 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $268 | Progressive | 59 | No | March 25, 2025 | Columbus, OH | 43204 |
| $24 | $290 | Progressive | 64 | No | April 3, 2025 | Columbus, OH | 43228 |
| $34 | $402 | Progressive | 63 | No | August 11, 2025 | Columbus, OH | 43229 |
| $38 | $458 | Bristol West | 64 | No | March 23, 2025 | Columbus, OH | 43220 |
| $40 | $474 | Progressive | 57 | No | August 5, 2025 | Columbus, OH | 43201 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Columbus
A clean driving record is one way to ensure you're getting a good rate. Here are the most affordable quotes that Columbus drivers with no violations or claims on their records have received, according to Jerry's data.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $22 | $268 | Progressive | 59 | March 25, 2025 | No | Columbus, OH | 43204 |
| $23 | $272 | Progressive | 40 | June 20, 2025 | No | Columbus, OH | 43232 |
| $24 | $290 | Progressive | 64 | April 3, 2025 | No | Columbus, OH | 43228 |
| $28 | $330 | Geico | 22 | August 8, 2025 | No | Columbus, OH | 43207 |
| $33 | $392 | Progressive | 40 | June 17, 2025 | Yes | Columbus, OH | 43221 |
| $34 | $402 | Progressive | 63 | August 11, 2025 | No | Columbus, OH | 43229 |
| $35 | $424 | Progressive | 33 | July 14, 2025 | No | Columbus, OH | 43215 |
| $37 | $444 | Progressive | 45 | June 25, 2025 | Yes | Columbus, OH | 43203 |
| $38 | $458 | Bristol West | 64 | March 23, 2025 | No | Columbus, OH | 43220 |
| $39 | $466 | Progressive | 40 | June 20, 2025 | No | Columbus, OH | 43204 |
Cheapest car insurance for drivers with low credit scores in Columbus
Good-credit drivers often pay less for car insurance than those with low credit scores, but that doesn't mean affordable coverage is out of reach. Here are the cheapest quotes Columbus drivers with scores below 550 have received via Jerry.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $41 | $496 | Progressive | 31 | July 9, 2025 | Columbus, OH | 43223 |
| <550 | $67 | $805 | Commonwealth Insurance | 45 | February 11, 2025 | Columbus, OH | 43240 |
| <550 | $70 | $842 | Trexis | 52 | April 23, 2024 | Columbus, OH | 43213 |
| <550 | $74 | $886 | Progressive | 37 | January 22, 2025 | Columbus, OH | 43207 |
| <550 | $80 | $957 | The General | 35 | September 30, 2024 | Columbus, OH | 43223 |
Cheapest car insurance for drivers with at-fault accidents in Columbus
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $50 | $596 | Progressive | 62 | Yes | March 18, 2024 | Columbus, OH | 43213 |
| At Fault With No Injury | $57 | $682 | Progressive | 54 | No | June 30, 2025 | Columbus, OH | 43227 |
| At Fault With No Injury | $58 | $698 | Trexis | 32 | No | November 23, 2024 | Columbus, OH | 43232 |
| At Fault With No Injury | $60 | $724 | Progressive | 24 | Yes | April 29, 2024 | Columbus, OH | 43085 |
| At Fault With No Injury | $63 | $750 | Progressive | 30 | No | May 19, 2025 | Columbus, OH | 43230 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Columbus
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $54 | $644 | Commonwealth Insurance | 39 | July 26, 2025 | Columbus, OH | 43202 |
| Speeding over 15 | $54 | $652 | Commonwealth Insurance | 29 | September 28, 2024 | Columbus, OH | 43235 |
| Speeding under 15 | $59 | $706 | Progressive | 27 | August 2, 2025 | Columbus, OH | 43227 |
| Speeding under 15 | $70 | $838 | National General | 50 | August 28, 2024 | Columbus, OH | 43207 |
| Speeding over 15 | $71 | $854 | National General | 38 | July 18, 2024 | Columbus, OH | 43213 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
