Cheap Car Insurance in Columbus
Get affordable rates on quality auto insurance coverage in Columbus. Specializing in SR22 filings and high-risk drivers with competitive pricing and excellent customer service.
Why Choose Our Columbus Car Insurance
Local Expertise
We understand Columbus-specific insurance requirements and regulations, ensuring you get the right coverage at the best price.
SR22 Specialists
We specialize in SR22 insurance filings for drivers who need to reinstate their licenses quickly and affordably.
Multi-Policy Discounts
Bundle your auto insurance with homeowners insurance or other policies to save even more.
Columbus Car Insurance Requirements
Ohio state law requires all drivers to carry minimum liability insurance coverage. Here are the current requirements:
| Coverage Type | Minimum Requirement | Recommended Coverage |
|---|---|---|
| Bodily Injury Liability (per person) | $25,000 | $100,000 |
| Bodily Injury Liability (per accident) | $50,000 | $300,000 |
| Property Damage Liability | $25,000 | $100,000 |
For drivers requiring an SR22 filing, additional documentation and potentially higher coverage limits may be necessary. Check our Ohio liability insurance guide for more details.
Columbus Insurance Cost Comparison
See how Columbus car insurance rates compare to other major Ohio cities:
Our insurance providers work to offer competitive rates specifically for Columbus drivers.
Factors That Affect Your Columbus Car Insurance Rates
Understanding what influences your insurance premium can help you find ways to save:
Driving Record
Clean records save up to 40% compared to drivers with violations
Vehicle Type
Luxury and sports cars cost 15-25% more to insure than sedans
Credit Score
Good credit can reduce premiums by 20-50% in Ohio
Age & Experience
Drivers under 25 pay up to 80% more than experienced drivers
Money-Saving Tips for Columbus Drivers
- Maintain a clean driving record for 3+ years to qualify for safe driver discounts
- Bundle auto with home insurance for up to 20% savings
- Increase your deductible to lower monthly premiums (if financially feasible)
- Ask about usage-based insurance programs that track safe driving habits
- Take defensive driving courses for additional discounts (up to 10%)
SR22 Insurance in Columbus
An SR22 is not insurance itself but a certificate that proves you carry the required auto insurance. You might need an SR22 if you’ve had:
DUI/DWI Conviction
Required for 3-5 years after a DUI conviction in Ohio
Serious Traffic Violations
Multiple offenses or reckless driving may require SR22 filing
Driving Without Insurance
Getting caught without insurance often triggers SR22 requirement
SR22 Process in Columbus
- Purchase an auto insurance policy that meets Ohio’s minimum requirements
- Your insurance company files the SR22 form with the Ohio BMV
- Maintain continuous coverage for the required period (typically 3 years)
- Any lapse in coverage will result in license suspension
Compare our SR22 insurance options to find affordable coverage that meets Ohio’s requirements.
Frequently Asked Questions
The cheapest car insurance in Columbus varies based on your driving record, vehicle, and coverage needs. We work with multiple providers to find the most affordable option for your specific situation. Get a free quote to compare rates.
SR22 insurance in Columbus typically costs $300-$800 more per year than standard policies, depending on your driving history. We specialize in SR22 filings and can help you find the most affordable option.
Factors include your driving record, age, vehicle type, credit history, coverage limits, and even your Columbus neighborhood. We analyze all these factors to find you the best rate.
Yes, we work with providers who specialize in high-risk drivers. Even with accidents, tickets, or a DUI, we can help you find coverage options that meet Ohio’s legal requirements.
Ohio requires minimum liability coverage of 25/50/25: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. However, we typically recommend higher limits for better protection.
You can lower premiums by maintaining a clean driving record, bundling policies, increasing deductibles, taking defensive driving courses, and asking about all available discounts. Our agents can help identify specific savings opportunities for your situation.
Liability insurance covers damage you cause to others, while full coverage typically includes comprehensive and collision coverage that protects your own vehicle. Full coverage is often required if you have a car loan or lease.
An SR22 typically needs to be maintained for 3 years in Ohio, but this can vary based on the offense. Your insurance company must file an SR26 form to cancel the SR22 requirement when the period ends.
Non-owner insurance is needed if you frequently drive but don’t own a vehicle. This provides liability coverage when driving borrowed or rented cars. Check our non-owner insurance options for more information.
After ensuring everyone’s safety, exchange insurance information with other drivers, document the scene with photos, file a police report, and contact your insurance provider immediately to start the claims process.
Ohio allows insurers to use credit-based insurance scores when determining rates. Generally, better credit can lead to lower premiums, as statistics show those with higher credit files fewer claims.
Most standard policies are annual, but short-term options may be available for specific situations like borrowing a car or temporary vehicle ownership. Contact us to discuss your temporary coverage needs.
Additional Insurance Services
Beyond standard auto coverage, we offer a range of insurance products to protect what matters most to you:
Motorcycle & RV Insurance
Protect your recreational vehicles with specialized coverage. Check our motorcycle and RV insurance options.
Business Insurance
Comprehensive coverage for Columbus businesses of all sizes. Explore our business insurance solutions.
Homeowners Insurance
Protect your Columbus home with tailored coverage. Learn about our homeowners insurance options.
Last Updated on by Jayleen Ridgeway