Columbus Car Insurance

Everything You Need to Know About Car Insurance in Columbus, OH

Find the right car insurance policy for you.

As the capital city of Ohio, Columbus sees nearly constant traffic on all major roadways. This is a city that never sleeps, with people traveling to work, school and recreational activities 24 hours a day. If you live in the busy community of Columbus, OH, make sure you have the protection of a reliable Columbus car insurance plan. Our Independent Insurance Agents specialize in matching Columbus drivers with affordable auto insurance options that protect against the most common threats on Ohio’s roads.

  • National average cost per year: $1,311
  • Ohio average cost per year: $843
  • #50 most expensive auto premium in the U.S.

One of the major perks of living in Ohio is access to the lowest car insurance premiums in the nation. While affordable coverage is readily available, you can enjoy maximum savings by taking time to compare rates. Our insurance agents can provide multiple quotes to give you a bird’s eye view of all your options before you commit to an auto insurance policy for your vehicle.

Ohio Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/25

All drivers in Ohio are legally required to have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 total for all injuries in an accident and $25,000 for any resulting property damage. In many cases, drivers will automatically choose a Columbus auto insurance plan that provides this minimum level of protection, but this could be a mistake. If you get into a wreck and the damage costs more than your coverage limit, you have to pay the difference out of pocket. By paying just a little more up front, you can increase your coverage level and have peace of mind that you have enough coverage even if you get into a massive collision during the Columbus rush hour.

Number of Uninsured Motorists in Ohio

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Ohio drivers: 13.5%

Ohio’s high rate of uninsured drivers is a major cause for concern, especially in Columbus where there are more drivers on the roads than in any other city in the state. If you have an accident and the driver at fault doesn’t have insurance, the cost of the damage to your car is your own responsibility. You can avoid this financial pitfall by adding uninsured motorist coverage to your auto insurance plan. Our agents can help you find a policy that includes this vital coverage, giving you maximum protection for your car at an affordable price.

Number of Auto Thefts in Ohio

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Ohio: 2.00

In Columbus, auto theft is an ongoing concern, especially in the inner-city areas where crime is always more prevalent. Even if you keep your doors locked and you have a top-notch security system, there is no guarantee that your car will stay safe. That’s why it’s critical to select a car insurance policy that covers theft and offers compensation for the value of your vehicle if it ever gets stolen. 

Find a Great Columbus Car Insurance Policy

Shopping for car insurance in Columbus isn’t something you should take lightly. Buying a car is a major investment, and you want to protect your vehicle by choosing an auto insurance plan that offers maximum protection. Our Independent Insurance Agents can help you find the best coverage options at affordable prices. 

If you are searching for reliable Columbus auto insurance, contact an agent today for a customized quote.

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