Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Columbus after a DUI is USAA
  • The annual number of car thefts in Columbus is 115.
  • Average car insurance rates in Columbus, IN for senior drivers are $1,631/year

Average car insurance rates in Columbus, Indiana are $261 a month. But with a little research you can get a great deal from the top car insurance companies in Columbus, IN. Before you buy Columbus, Indiana car insurance, make sure your coverage meets or exceeds the Indiana minimum of 25/50/25.

It may even be helpful to compare Columbus car insurance rates with Hammond car insurance rates, Carmel car insurance rates, or Indianapolis car insurance rates to make sure you’re getting the best Columbus, IN car insurance quotes available.

Need affordable Columbus, IN car insurance? Enter your ZIP code to compare Columbus car insurance quotes from multiple car insurance companies near you.

Columbus, IN Minimum Car Insurance Coverage

Columbus, Indiana law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Columbus, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Columbus, IN Car Insurance Rates by Coverage Level

Some Columbus drivers can get by with the Indiana minimum coverage of 25/50/25. Other drivers may need more. See how much your Columbus, Indiana car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Columbus, Indiana

Insurance Company Low Medium High
Allstate $3,774 $3,934 $4,134
American Family $3,603 $3,754 $3,544
Farmers $3,265 $3,373 $3,499
GEICO $1,860 $1,978 $2,115
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $2,227 $2,178 $2,179
Progressive $3,543 $3,681 $3,983
State Farm $2,131 $2,242 $2,356
Travelers $3,077 $3,177 $3,189
USAA $1,363 $1,409 $1,465

Columbus, IN Car Insurance Rates by Age, Gender, and Marital Status

Columbus, Indiana car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Columbus, IN car insurance, get quotes from multiple car insurance companies in the Columbus area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Columbus, Indiana

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,454 $2,517 $2,150 $2,352 $7,479 $9,407 $2,499 $2,721
American Family $2,277 $2,277 $2,048 $2,048 $6,259 $9,073 $2,277 $2,811
Farmers $1,534 $1,515 $1,312 $1,472 $8,222 $8,767 $2,022 $2,188
GEICO $1,353 $1,347 $1,278 $1,325 $3,982 $3,690 $1,547 $1,355
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,359 $1,386 $1,198 $1,273 $3,934 $5,080 $1,593 $1,735
Progressive $1,582 $1,493 $1,435 $1,443 $9,379 $10,545 $1,984 $2,024
State Farm $1,360 $1,360 $1,218 $1,218 $4,210 $5,386 $1,509 $1,680
Travelers $1,127 $1,146 $1,057 $1,058 $7,042 $11,186 $1,192 $1,373
USAA $901 $888 $839 $846 $2,505 $2,799 $1,218 $1,303

Columbus, IN Car Insurance Rates for Teens

How much is Columbus, Indiana car insurance for teens? Compare rates from top Columbus car insurance companies below to help find the cheapest teen car insurance in Columbus, IN.

Annual Car Insurance Rates for Teen Drivers in Columbus, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,479 $9,407
American Family $6,259 $9,073
Farmers $8,222 $8,767
GEICO $3,982 $3,690
Liberty Mutual $8,383 $12,656
Nationwide $3,934 $5,080
Progressive $9,379 $10,545
State Farm $4,210 $5,386
Travelers $7,042 $11,186
USAA $2,505 $2,799

Columbus, IN Car Insurance Rates for Seniors

Before seniors buy Columbus, Indiana car insurance, they should make sure to shop around. Some Columbus, IN car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Columbus, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,150 $2,352
American Family $2,048 $2,048
Farmers $1,312 $1,472
GEICO $1,278 $1,325
Liberty Mutual $3,522 $3,522
Nationwide $1,198 $1,273
Progressive $1,435 $1,443
State Farm $1,218 $1,218
Travelers $1,057 $1,058
USAA $839 $846

Columbus, IN Car Insurance Rates by Credit History

How does your credit history affect Columbus, IN car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Columbus, Indiana

Insurance Company Poor Fair Good
Allstate $4,896 $3,641 $3,306
American Family $4,970 $3,229 $2,702
Farmers $3,942 $3,216 $2,979
GEICO $2,385 $1,985 $1,584
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $2,495 $2,112 $1,978
Progressive $4,115 $3,649 $3,443
State Farm $3,268 $1,949 $1,511
Travelers $3,502 $2,971 $2,970
USAA $1,904 $1,256 $1,076

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Columbus, IN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Columbus, Indiana car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Columbus.

Annual Columbus, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,152 $4,622 $4,265 $3,750
American Family $2,504 $3,994 $5,054 $2,983
Farmers $3,022 $3,528 $3,630 $3,336
GEICO $1,299 $2,055 $2,790 $1,796
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $1,897 $2,426 $2,329 $2,128
Progressive $2,802 $4,906 $3,343 $3,891
State Farm $2,188 $2,406 $2,188 $2,188
Travelers $2,677 $3,302 $3,740 $2,871
USAA $1,068 $1,517 $1,741 $1,324

Columbus, IN Car Insurance Rates With a DUI

Even a single DUI can increase your Columbus, IN car insurance rates. Compare rates below to see which Columbus car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Columbus, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,265
American Family $5,054
Farmers $3,630
GEICO $2,790
Liberty Mutual $8,085
Nationwide $2,329
Progressive $3,343
State Farm $2,188
Travelers $3,740
USAA $1,741

Columbus, IN Car Insurance Rates by ZIP Code

Just like Columbus car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Columbus, IN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Columbus, Indiana

ZIP Code Average Annual Rates
47201 $3,068
47203 $3,023

Columbus, IN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Columbus, IN car insurance rates may be. Let’s take a look at average car insurance rates from top Columbus companies based on commute time.

Annual Car Insurance Rates by Commute Length in Columbus, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,948 $3,948
American Family $3,590 $3,677
Farmers $3,379 $3,379
GEICO $1,952 $2,017
Liberty Mutual $5,455 $5,752
Nationwide $2,195 $2,195
Progressive $3,736 $3,736
State Farm $2,179 $2,306
Travelers $3,147 $3,147
USAA $1,394 $1,431

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Columbus, IN Cheapest Car Insurance Rates

How do the top Columbus, Indiana car insurance companies’ average rates stack up against the Columbus average monthly car insurance rates of $261? Take a look and see.

Best Annual Car Insurance Rates by Company in Columbus, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Columbus, IN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Columbus, Indiana car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Columbus, Indiana

Insurance Company Average Annual Rates
Allstate $3,948
American Family $3,634
Farmers $3,379
GEICO $1,985
Liberty Mutual $5,604
Nationwide $2,195
Progressive $3,736
State Farm $2,243
Travelers $3,147
USAA $1,412

Other Factors Affecting Columbus, IN Car Insurance Rates

Before you buy Columbus, Indiana car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Columbus, IN Car Theft Rates

The car theft rate in Columbus, IN will affect your car insurance rates. FBI data shows that the annual car theft rate for Columbus, Indiana is 115 stolen cars.

Columbus, IN Commute Time

How does your Columbus, IN commute time compare with the average driver? In Columbus, the average commute is 17.0 minutes.

Columbus, IN Traffic

Spending time in Columbus traffic can lead to higher car insurance rates. According to INRIX data, Columbus, IN ranks as the 473rd-most congested with traffic in the world.

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Columbus, IN Car Insurance Quotes

Compare Columbus, IN car insurance quotes from multiple companies by entering your ZIP code now.