Cheap Car Insurance in Columbus, Ohio (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 28, 2025
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Cheap Car Insurance in Columbus, Ohio (July 2025)

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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 Policy
City, State
ZIP Code
$31 $366 Progressive 62 March 18, 2024 Columbus, OH 43213
$35 $424 Progressive 33 April 1, 2025 Columbus, OH 43222
$39 $464 Progressive 41 October 25, 2024 Columbus, OH 43203
$40 $480 Progressive 33 November 12, 2024 Columbus, OH 43219
$41 $488 Progressive 31 March 27, 2025 Columbus, OH 43228
$41 $492 Progressive 44 May 25, 2025 Columbus, OH 43207
$41 $496 Progressive 31 July 9, 2025 Columbus, OH 43223
$44 $522 Progressive 41 February 5, 2024 Columbus, OH 43232
$45 $542 Progressive 35 July 6, 2025 Columbus, OH 43228
$47 $564 Progressive 27 July 7, 2025 Columbus, OH 43235
Last Updated Jul 24, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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 Policy
City, State
ZIP Code
$50 $596 Progressive 62 March 18, 2024 Columbus, OH 43213
$59 $710 Progressive 31 July 9, 2025 Columbus, OH 43223
$60 $724 Progressive 36 March 15, 2025 Columbus, OH 43235
$60 $724 Progressive 24 April 29, 2024 Columbus, OH 43085
$61 $736 Progressive 29 January 29, 2025 Columbus, OH 43215
$62 $748 Progressive 33 December 2, 2024 Columbus, OH 43206
$68 $814 Progressive 66 November 9, 2024 Columbus, OH 43207
$70 $838 National General 50 August 28, 2024 Columbus, OH 43207
$71 $854 National General 38 July 18, 2024 Columbus, OH 43213
$72 $858 Progressive 65 September 27, 2024 Columbus, OH 43224
Last Updated Jul 29, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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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 Policy
City, State
ZIP Code
$51 $612 Progressive 28 No May 22, 2025 Columbus, OH 43201
$54 $652 Commonwealth Insurance 29 No September 28, 2024 Columbus, OH 43235
$60 $724 Progressive 24 Yes April 29, 2024 Columbus, OH 43085
$61 $736 Progressive 29 Yes January 29, 2025 Columbus, OH 43215
$69 $826 Progressive 26 No May 19, 2025 Columbus, OH 43220
Last Updated Jul 24, 2025

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 Policy
City, State
ZIP Code
$35 $424 Progressive 33 No April 1, 2025 Columbus, OH 43222
$40 $480 Progressive 33 No November 12, 2024 Columbus, OH 43219
$41 $488 Progressive 31 No March 27, 2025 Columbus, OH 43228
$41 $496 Progressive 31 No July 9, 2025 Columbus, OH 43223
$44 $522 Progressive 41 No February 5, 2024 Columbus, OH 43232
Last Updated Jul 24, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$50 $596 Progressive 62 Yes March 18, 2024 Columbus, OH 43213
$57 $678 National General 70 No April 6, 2024 Columbus, OH 43235
$58 $690 Progressive 63 No July 5, 2025 Columbus, OH 43215
$58 $696 Commonwealth Insurance 56 No February 2, 2025 Columbus, OH 43223
$59 $704 Trexis 59 No June 24, 2024 Columbus, OH 43224
Last Updated Jul 24, 2025

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 Policy
Has Full Coverage
City, State
ZIP Code
$35 $424 Progressive 33 April 1, 2025 No Columbus, OH 43222
$40 $480 Progressive 33 November 12, 2024 No Columbus, OH 43219
$41 $488 Progressive 31 March 27, 2025 No Columbus, OH 43228
$41 $496 Progressive 31 July 9, 2025 No Columbus, OH 43223
$45 $542 Progressive 35 July 6, 2025 No Columbus, OH 43228
$49 $592 Progressive 30 September 14, 2024 No Columbus, OH 43232
$51 $606 Commonwealth Insurance 52 November 3, 2024 No Columbus, OH 43220
$51 $612 Progressive 28 May 22, 2025 No Columbus, OH 43201
$53 $640 Progressive 31 April 25, 2025 No Columbus, OH 43229
$55 $662 Progressive 32 July 4, 2025 No Columbus, OH 43204
Last Updated Jul 24, 2025

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 $62 $746 Commonwealth Insurance 49 February 5, 2024 Columbus, OH 43220
<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
Last Updated Jul 24, 2025

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
Last Updated Jul 24, 2025

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 $44 $522 Progressive 41 February 5, 2024 Columbus, OH 43232
Speeding over 15 $54 $652 Commonwealth Insurance 29 September 28, 2024 Columbus, OH 43235
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
Speeding over 15 $76 $910 Progressive 25 January 23, 2025 Columbus, OH 43215
Last Updated Jul 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.