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Cheap Auto Insurance in Columbus, GA

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updated: Apr. 6, 2020

What is Cheap Car Insurance in Columbus, GA?

We noticed a surprising amount of inconsistency in which companies offered the cheapest auto insurance in Columbus, Georgia. So if you want to find the cheapest rates for your unique driver profile, you definitely should shop around. Here are the cheapest rates we found for Columbus, GA in our 2020 study.

Driver Cheapest Full Coverage Cheapest Liability Only
Retired Couple $1,064 yr. (American) $241 yr. (AIG)
Middle Age Male $1,119 yr. (Progressive) $146 yr. (Omni)
Female (Speeding) $1,955 yr. (MGA) $931 yr. (MGA)
Male (DUI & Speeding) $2,009 yr. (Coast) $776 yr. (Esurance)
Young Female $2,691 yr. (Garrison) $855 yr. (AIG)
Young Male $2,072 yr. (United Services) $965 yr. (United Services)
Young Female (Speeding) $2,309 yr. (Horace Mann) $855 yr. (AIG)
Young Male (Speeding) $3,270 yr. (Government Employees) $968 yr. (AIG)

Cheap Car Insurance Rate Comparisons in Columbus, GA

Using the same methodology as above, we’ve gathered the rates for many different driver situations in Columbus, GA. Once again, the difference between the cheapest and most expensive rates are huge. This is why you should always get multiple quotes before you buy.

40 year-old Male

We found the below results by finding quotes for a married 40 year old male with no accidents who drives 12,000 miles per year. The rates spanned from $578 – $2,080 for liability insurance alone. Full coverage insurance ranged from $1,119 – $4,887.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
PROGRESSIVE $1,119 $578
OMNI $1,201 $146
GEICO $1,205 $537
GOVERNMENT EMPLOYEES $1,205 $537
AMERICAN NATIONAL $1,258 $548
OWNERS $1,283 $557
GARRISON $1,292 $549
MERCURY $1,303 $633
ESURANCE $1,310 $594
COAST $1,380 $666
AUTO-OWNERS $1,392 $611
MILBANK $1,422 $657
FIRST ACCEPTANCE $1,478 $666
NATIONWIDE $1,506 $731
MGA $1,525 $721
INFINITY $1,546 $675
TEACHERS $1,697 $710
TREXIS ONE $1,748 $580
LM $1,749 $653
NATIONAL $1,754 $912
STATE FARM $1,761 $885
AMERICAN STANDARD $1,762 $935
CHUBB $1,787 $702
MIDVALE $1,797 $937
DIRECT $1,810 $756
ALLIED $1,811 $807
HORACE MANN $1,825 $766
ALFA $1,848 $992
METROPOLITAN $1,904 $998
AIG $1,940 $432
INSUREMAX $1,985 $943
SOUTHERN $2,060 $1,019
CENTRAL $2,083 $1,014
OLD AMERICAN $2,338 $980
ALFA $2,375 $1,276
TRUSTGARD $2,376 $1,241
TRAVELERS $2,388 $1,045
SAFEWAY $2,400 $1,048
SAFECO $2,585 $1,121
SOUTHERN $2,711 $1,447
MAIN STREET AMERICA $2,858 $1,066
LOYA $3,252 $1,152
UNIQUE $3,342 $1,060
MEMBERSELECT $3,351 $1,260
METROPOLITAN GROUP $3,472 $1,680
GEORGIA FARM BUREAU $3,509 $1,436
MAIN STREET AMERICA $3,585 $1,377
UNITED $4,531 $1,508
PEAK $4,552 $1,984
ACCC $4,571 $2,880
AMICA $4,887 $2,080

30 year-old Female (One Accident & Speeding)

In this example we gathered rates for a married 30 year old female with one speeding ticket and one accident who drives 12,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
MGA $1,955 $931
MILBANK $1,966 $946
AMERICAN $2,048 $996
STATE FARM $2,107 $1,073
FIRST ACCEPTANCE $2,121 $961
GARRISON $2,173 $994
AUTO-OWNERS $2,186 $1,041
PROGRESSIVE $2,197 $1,107
LM $2,219 $757
ALFA $2,232 $1,240
MERCURY $2,253 $1,118
COAST $2,265 $1,110
AMERICAN STANDARD $2,372 $1,333
METROPOLITAN $2,378 $1,314
GEICO $2,435 $1,039
ESURANCE $2,440 $1,348
GOVERNMENT EMPLOYEES $2,532 $1,163
NATIONAL $2,534 $1,338
INFINITY $2,565 $1,132
TEACHERS $2,621 $1,136
HORACE MANN $2,837 $1,226
NATIONWIDE $2,871 $1,574
SOUTHERN $2,959 $1,584
CENTRAL $2,968 $1,459
CHUBB $3,065 $1,248
OMNI $3,236 $1,605
INSUREMAX $3,254 $1,701
OLD AMERICAN $3,268 $1,532
SAFEWAY $3,294 $1,588
AIG $3,331 $720
TRAVELERS $3,451 $1,415
TREXIS ONE $3,484 $1,332
ALFA $3,670 $2,042
ALLIED $3,781 $1,756
MIDVALE $3,843 $2,180
METROPOLITAN $3,916 $1,956
UNIQUE $4,174 $1,492
SAFECO $4,233 $1,896
GEORGIA FARM BUREAU $4,676 $1,999
LOYA $5,386 $2,340
MAIN STREET AMERICA $5,877 $2,212
UNITED $5,956 $2,055
MEMBERSELECT $6,292 $2,879
DIRECT $6,318 $2,683
PEAK TY $6,522 $3,014
ACCC $7,541 $4,963
AMICA $8,034 $3,636

28 year-old Male (DUI & Speeding)

Here are the rates we found for a married 28 year old male with one speeding ticket and a DUI who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
COAST $2,009 $983
ESURANCE $2,012 $776
PROGRESSIVE $2,109 $1,175
AMERICAN $2,150 $1,058
MERCURY $2,451 $1,240
MGA $2,467 $1,161
STATE FARM $2,492 $1,501
LM $2,582 $940
METROPOLITAN $2,596 $1,446
FIRST ACCEPTANCE $2,693 $1,244
INSUREMAX $2,716 $1,316
ALFA $2,815 $1,616
GARRISON $2,821 $1,261
OMNI $2,906 $1,442
GEICO $3,074 $1,588
GOVERNMENT EMPLOYEES $3,074 $1,588
INFINITY $3,230 $1,459
NATIONWIDE $3,567 $2,034
OLD AMERICAN $3,594 $1,648
AMERICAN STANDARD $3,656 $1,936
NATIONAL $4,202 $2,386
UNIQUE $4,225 $1,484
DIRECT $4,368 $2,006
HORACE MANN $4,376 $2,276
TRAVELERS $4,468 $1,924
SAFEWAY $4,472 $2,486
ALFA $4,631 $2,663
MIDVALE $4,676 $2,670
AIG $4,882 $1,511
SAFECO $4,885 $2,271
ALLIED $5,641 $2,678
SOUTHERN $6,086 $3,309
METROPOLITAN $6,094 $3,470
LOYA $6,222 $2,332
PEAK $6,248 $2,858
CHUBB $6,944 $2,888
UNITED $7,004 $2,604
CENTRAL $9,018 $4,495
GEORGIA FARM BUREAU $9,559 $4,193
TEACHERS $10,760 $5,583
MEMBERSELECT $12,216 $5,305
AMICA $26,941 $12,612

65 year-old Retired Couple

In this example with gathered rates for a married 65 year old couple with clean driving records driving 7,500 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
AMERICAN $1,064 $496
PROGRESSIVE $1,069 $555
GEICO $1,071 $451
GOVERNMENT EMPLOYEES $1,071 $451
CHUBB $1,102 $435
OWNERS $1,127 $500
GARRISON $1,140 $534
AUTO-OWNERS $1,222 $549
AIG $1,227 $241
ALFA $1,290 $648
MILBANK $1,291 $616
MGA $1,322 $619
LM GENERAL $1,335 $493
MIDVALE $1,369 $702
FIRST ACCEPTANCE $1,378 $691
ESURANCE $1,388 $648
STATE FARM $1,425 $704
TEACHERS $1,466 $603
NATIONWIDE $1,491 $729
MERCURY $1,532 $810
HORACE MANN $1,572 $651
COAST $1,648 $834
CENTRAL $1,685 $801
TREXIS ONE $1,688 $658
AMERICAN STANDARD $1,697 $947
METROPOLITAN $1,766 $916
NATIONAL $1,820 $1,001
ALLIED $1,839 $800
INSUREMAX $1,861 $943
TRAVELERS $1,918 $887
INFINITY $1,924 $899
DIRECT $2,013 $960
TRUSTGARD $2,046 $1,094
SAFECO $2,112 $976
OMNI $2,199 $1,106
SAFEWAY $2,554 $1,092
OLD AMERICAN $2,560 $1,106
SOUTHERN $2,573 $1,371
MAIN STREET AMERICA $2,691 $1,047
MEMBERSELECT $2,877 $1,205
UNIQUE $3,182 $1,308
GEORGIA FARM BUREAU $3,188 $1,352
PEAK $3,230 $1,560
LOYA $3,278 $1,316
AMICA $3,434 $1,485
UNITED $4,997 $1,787
ACCC $16,785 $12,234

19 year-old Female (Speeding)

In this example we gathered rates for a single 19 year old female with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
HORACE MANN $2,309 $1,163
COAST $3,225 $1,853
AIG $3,267 $855
GEICO $3,273 $1,661
GOVERNMENT EMPLOYEES $3,273 $1,661
FIRST ACCEPTANCE $3,331 $1,676
PROGRESSIVE $3,354 $1,748
GARRISON $3,370 $1,579
METROPOLITAN $3,512 $1,928
AUTO-OWNERS $3,622 $1,999
MGA $3,639 $1,960
CHUBB $3,835 $1,798
ESURANCE $3,878 $1,770
ALFA $4,113 $2,283
STATE FARM $4,137 $2,331
NATIONWIDE $4,220 $2,700
TEACHERS $4,222 $1,874
AMERICAN $4,230 $2,308
MERCURY $4,363 $2,477
MIDVALE $4,873 $3,135
CENTRAL $5,076 $2,516
TREXIS ONE $5,218 $1,722
NATIONAL GENERAL $5,455 $3,280
SAFEWAY $5,550 $3,294
MILBANK $5,606 $3,085
OLD AMERICAN $5,636 $3,274
TRAVELERS $5,702 $2,499
ALLIED $5,726 $2,759
SOUTHERN $6,451 $3,503
LM $6,478 $2,993
OMNI $6,691 $3,265
UNIQUE $6,722 $2,410
INFINITY $6,762 $2,905
LOYA $7,008 $3,596
INSUREMAX $7,182 $4,354
TRUSTGARD $8,267 $5,321
GEORGIA FARM BUREAU $8,324 $3,893
PEAK $8,608 $4,572
SAFECO $8,855 $4,978
DIRECT $9,656 $4,637
UNITED $10,794 $4,948
AMICA $11,301 $5,196
MAIN STREET AMERICA $11,548 $5,114
ACCC $12,188 $8,617
MEMBERSELECT $13,422 $7,462

19 year-old Male (Speeding)

In this table you’ll find rates for a single 19 year old male with one speeding ticket who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GOVERNMENT EMPLOYEES $3,270 $1,611
COAST $3,578 $2,099
FIRST ACCEPTANCE $3,616 $1,818
AIG $3,717 $968
PROGRESSIVE $3,732 $1,887
GARRISON $4,010 $1,890
CHUBB $4,371 $2,082
NATIONWIDE $4,434 $2,825
GEICO $4,698 $2,356
AUTO-OWNERS $4,736 $2,579
ESURANCE $4,856 $2,216
THE CINCINNATI $4,871 $3,029
MIDVALE $4,968 $3,336
STATE FARM $5,176 $2,918
MERCURY $5,292 $2,771
METROPOLITAN $5,400 $3,026
AMERICAN STANDARD $5,619 $3,540
NATIONAL $5,747 $3,326
CENTRAL $6,120 $3,040
ALFA $6,440 $3,764
MGA $6,549 $3,397
MILBANK $6,602 $3,628
TRAVELERS $6,810 $3,235
LM $6,891 $3,332
TREXIS ONE $7,100 $2,226
LOYA $7,268 $3,296
ALLIED $7,285 $3,534
OMNI $7,319 $3,603
UNIQUE $7,510 $2,200
INSUREMAX $7,518 $4,342
SAFEWAY $7,518 $4,354
TEACHERS $7,547 $3,407
INFINITY $7,638 $3,112
OLD AMERICAN $7,738 $4,326
TRUSTGARD $8,125 $5,112
SOUTHERN $8,807 $4,798
SAFECO $9,550 $5,488
GEORGIA FARM BUREAU $9,801 $4,765
PEAK $10,394 $5,858
DIRECT $11,483 $5,204
AMICA $11,856 $5,464
MAIN STREET AMERICA $12,713 $5,754
UNITED $12,907 $5,040
ACCC $13,693 $9,668
MEMBERSELECT $16,048 $9,362

19 year-old Female

In this example we gathered rates for a single 19 year old female with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
GARRISON $2,691 $1,245
COAST $2,721 $1,602
OWNERS $2,785 $1,498
PROGRESSIVE $2,827 $1,471
GEICO $2,908 $1,476
GOVERNMENT EMPLOYEES $2,908 $1,476
AUTO-OWNERS $3,038 $1,644
FIRST ACCEPTANCE $3,171 $1,583
CHUBB $3,216 $1,503
AIG $3,267 $855
MGA $3,306 $1,773
METROPOLITAN $3,336 $1,832
ESURANCE $3,396 $1,604
TEACHERS $3,545 $1,562
AMERICAN $3,666 $1,962
MIDVALE $3,693 $2,368
MERCURY $3,713 $2,115
ALFA $3,719 $2,038
STATE FARM $3,761 $2,098
NATIONWIDE $3,776 $2,422
TREXIS ONE $4,148 $1,350
MILBANK $4,440 $2,458
CENTRAL $4,631 $2,293
ALFA GENERAL $4,739 $2,598
NATIONAL $4,903 $2,971
ALLIED $4,958 $2,413
TRAVELERS $5,177 $2,348
SAFEWAY $5,208 $2,996
TRUSTGARD $5,282 $3,348
OLD AMERICAN $5,288 $2,976
SAFECO $5,943 $3,302
LM $6,053 $2,980
UNIQUE $6,161 $2,190
LOYA $6,204 $3,132
INFINITY $6,220 $2,672
SOUTHERN $6,451 $3,503
OMNI $6,495 $3,143
INSUREMAX $6,543 $4,009
DIRECT $6,973 $3,317
GEORGIA FARM BUREAU $7,600 $3,578
PEAK $8,128 $4,330
MAIN STREET AMERICA $9,272 $4,116
MEMBERSELECT $9,462 $4,887
AMICA $9,658 $4,421
UNITED $9,843 $4,287
ACCC $11,519 $8,206

19 year-old Male

In this example we gathered rates for a single 19 year old male with a clean driving record who drives 15,000 miles per year.

INSURANCE COMPANY FULL COVERAGE LIABILITY ONLY
UNITED SERVICES $2,072 $965
HORACE MANN $2,271 $1,156
GEICO $2,738 $1,349
GOVERNMENT EMPLOYEES $2,738 $1,349
COAST $3,076 $1,848
PROGRESSIVE $3,182 $1,597
GARRISON $3,193 $1,488
FIRST ACCEPTANCE $3,441 $1,718
OWNERS $3,643 $1,933
CHUBB $3,660 $1,739
AIG $3,717 $968
MIDVALE $3,745 $2,511
AUTO-OWNERS $3,976 $2,121
NATIONWIDE $3,991 $2,546
AMERICAN $4,078 $2,104
ESURANCE $4,362 $2,054
MERCURY $4,634 $2,408
STATE FARM $4,705 $2,627
NATIONAL $4,903 $2,971
METROPOLITAN $5,130 $2,876
MILBANK $5,225 $2,888
TRUSTGARD $5,245 $3,276
CENTRAL $5,677 $2,818
ALFA $5,822 $3,360
TREXIS ONE $5,890 $1,818
MGA $5,934 $3,067
TRAVELERS $6,199 $3,037
TEACHERS $6,316 $2,839
SAFECO $6,402 $3,634
LOYA $6,432 $2,872
LM $6,434 $3,317
ALLIED $6,538 $3,202
INSUREMAX $6,690 $3,880
UNIQUE $6,883 $2,000
SAFEWAY $7,076 $3,958
INFINITY $7,094 $2,878
OMNI $7,122 $3,481
OLD AMERICAN $7,346 $3,934
DIRECT $8,314 $3,727
SOUTHERN $8,807 $4,798
GEORGIA FARM BUREAU $9,063 $4,439
PEAK $9,822 $5,546
MAIN STREET AMERICA $10,244 $4,631
AMICA $10,552 $4,845
MEMBERSELECT $11,204 $6,123
UNITED $11,800 $4,367
ACCC $12,936 $9,207

Auto Insurance Agencies in Columbus

Ragan Insurance

4511 Armour Rd, Columbus, GA 31904, United States
+1 706-323-9521
www.raganinsurance.com

The Dan Menefee Insurance Agency

132 N Oakley Dr #6, Columbus, GA 31906, United States
+1 706-561-8935
www.danmenefeeinsurance.net

Lovern Insurance Agency

4507 Armour Rd, Columbus, GA 31904, United States
+1 706-494-3998
www.loverninsurancega.com

Robert Queener – State Farm Insurance Agent

4570 Reese Rd, Columbus, GA 31907, United States
+1 706-561-2550
www.mycolumbusagent.com

Jeff Kreitemeyer – State Farm Insurance Agent

4264 Macon Rd, Columbus, GA 31907, United States
+1 706-563-6993
www.jeffk4insurance.com

Hillary Carnley: Allstate Insurance

3884 Warm Springs Rd, Columbus, GA 31909, United States
+1 706-682-2077
no website

Farmers Insurance – Christopher Williams

2124 Terrace Dr, Columbus, GA 31904, United States
+1 706-801-4500
no website

Danny Turner: Allstate Insurance

4386 Macon Rd, Columbus, GA 31907, United States
+1 706-565-0607
no website

Scott Lacey – State Farm Insurance Agent

3026 University Ave, Columbus, GA 31907, United States
+1 706-563-9977
www.scottlacey.biz

Columbus Auto Body Repair

North Columbus Collision Center

5252 Hamilton Rd, Columbus, GA 31904, United States
+1 706-596-1225
www.northcolumbuscollisioncenter.com

Joe Hudson’s Collision Center

6454 Milgen Rd, Columbus, GA 31907, United States
+1 706-256-0397
www.jhcc.com

Ray’s Collision Center

1300 50th St, Columbus, GA 31904, United States
+1 706-940-0727
www.rayscollisioncenterofcolumbus.com

Columbus Body Works, Inc.

1919 Veterans Pkwy, Columbus, GA 31904, United States
+1 706-322-0676
www.columbusbodyworks.com

Rivertown Collision Center of Columbus

1661 Whittlesey Rd, Columbus, GA 31904, United States
+1 706-324-5823
www.rivertowntoyotacollisioncenter.com

Norman’s Automotive Services

6014 Macon Rd, Columbus, GA 31907, United States
+1 706-561-0111
no website

Columbus Auto Mechanic Shops

JP Auto Care

5050 Warm Springs Rd Connector, Columbus, GA 31907, United States
+1 706-221-1871
www.jpautocare.com

Davo Jr Automotive 24/7 Wrecker Service

4925 13th Ave, Columbus, GA 31904, United States
+1 706-563-3763
www.davojrtowingautorepairs.net

Leddon Auto Center

2101 2nd Ave, Columbus, GA 31901, United States
+1 706-984-7200
www.leddonautocenter.tiresites.net

Mercedes Mikes

1501 51st St, Columbus, GA 31904, United States
+1 706-442-2499
www.mercedes-mikes.business.site

Rivertown Ford Service Department

1680 Whittlesey Rd, Columbus, GA 31904, United States
+1 706-653-7421
www.rivertownford.com

Precision Tune Auto Care

5427 Veterans Pkwy, Columbus, GA 31904, United States
+1 706-327-2114
www.precisiontune.com

Columbus Department of Motor Vehicles

Georgia Department of Driver Services

8397 Macon Rd, Midland, GA 31820, United States
+1 678-413-8400
www.dds.georgia.gov

Methodology

The following is the baseline methodology used in our 2020 Georgia study. Prices reflect one year of coverage.

Car Make/Model: 2012 Toyota Camry, 4-door sedan, 6 cylinder

  • Liability: $25,000/ $50,000 per accident
  • Bodily Injury Liability: $25,000 per accident, Property Damage Liability

Full Coverage Additions

  • Car Damage: $1000 collision deductible, $500 comprehensive deductible
  • Uninsured Motorist: $25,000 per person/$50,000 per accident
  • Medical: $2,000 per accident. Bodily Injury/$25,000 per accident