Best Columbus, Texas Auto Insurance in 2024
The average Columbus, TX auto insurance rates are $312 per month. The minimum auto insurance in Columbus is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Columbus, Texas, compare quotes from multiple companies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Columbus for teen drivers is American Family
- The cheapest auto insurance company in Columbus is USAA
- The average commute length in Columbus is 13.1 minutes
Columbus, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Columbus can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Columbus, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Columbus to other Texas cities, including El Paso auto insurance rates, Arlington auto insurance rates, and Corpus Christi auto insurance rates to see how Columbus, Texas auto insurance rates stack up.
Before you buy Columbus, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Columbus, Texas auto insurance quotes.
Minimum Auto Insurance in Columbus, Texas
Columbus, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Columbus, Texas.
Minimum Required Auto Insurance Coverage in Columbus, Texas
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Columbus, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Columbus, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Columbus, Texas
| 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 | $3,307 | $3,333 | $3,265 | $3,265 | $8,766 | $10,569 | $4,086 | $4,252 |
| American Family | $3,250 | $3,652 | $3,097 | $3,582 | $9,223 | $12,027 | $4,796 | $5,475 |
| Geico | $2,124 | $2,287 | $2,042 | $2,312 | $4,615 | $4,776 | $2,297 | $2,290 |
| Nationwide | $2,140 | $2,177 | $1,893 | $2,004 | $6,027 | $7,731 | $2,509 | $2,713 |
| Progressive | $2,282 | $2,177 | $2,026 | $2,067 | $9,403 | $10,493 | $2,708 | $2,761 |
| State Farm | $1,824 | $1,824 | $1,615 | $1,615 | $4,227 | $5,363 | $1,973 | $2,038 |
| USAA | $1,520 | $1,531 | $1,451 | $1,442 | $4,265 | $4,651 | $2,028 | $2,178 |
Cheap Columbus, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Columbus, Texas is a challenge. Take a look at the annual teen auto insurance rates in Columbus, Texas.
Annual Auto Insurance Rates for Teen Drivers in Columbus, Texas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,766 | $10,569 |
| American Family | $9,223 | $12,027 |
| Geico | $4,615 | $4,776 |
| Nationwide | $6,027 | $7,731 |
| Progressive | $9,403 | $10,493 |
| State Farm | $4,227 | $5,363 |
| USAA | $4,265 | $4,651 |
Cheap Columbus, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Columbus, Texas? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Columbus, Texas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,265 | $3,265 |
| American Family | $3,097 | $3,582 |
| Geico | $2,042 | $2,312 |
| Nationwide | $1,893 | $2,004 |
| Progressive | $2,026 | $2,067 |
| State Farm | $1,615 | $1,615 |
| USAA | $1,451 | $1,442 |
Cheap Columbus, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Columbus, Texas compared to the annual auto insurance rates with a clean record in Columbus, Texas.
Annual Columbus, Texas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,956 | $6,120 | $6,390 | $3,956 |
| American Family | $5,119 | $6,569 | $5,744 | $5,119 |
| Geico | $2,416 | $3,180 | $2,668 | $3,107 |
| Nationwide | $2,952 | $2,952 | $4,361 | $3,331 |
| Progressive | $3,701 | $4,766 | $4,322 | $4,168 |
| State Farm | $2,290 | $2,606 | $3,053 | $2,290 |
| USAA | $1,778 | $2,621 | $3,093 | $2,041 |
Cheap Columbus, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Columbus, Texas is not easy. Compare the annual rates for DUI auto insurance in Columbus, Texas to find the best deal.
Annual Auto Insurance Rates After a DUI in Columbus, Texas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,390 |
| American Family | $5,744 |
| Geico | $2,668 |
| Nationwide | $4,361 |
| Progressive | $4,322 |
| State Farm | $3,053 |
| USAA | $3,093 |
Cheap Columbus, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Columbus, Texas annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Columbus, Texas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,486 | $4,757 | $4,073 |
| American Family | $7,650 | $4,947 | $4,316 |
| Geico | $4,372 | $2,488 | $1,669 |
| Nationwide | $4,074 | $3,275 | $2,848 |
| Progressive | $4,781 | $4,122 | $3,816 |
| State Farm | $3,627 | $2,256 | $1,797 |
| USAA | $3,502 | $2,022 | $1,626 |
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Cheap Columbus, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Columbus, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Columbus, Texas to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Columbus, Texas
| ZIP Code | Average Annual Rates |
|---|---|
| 78934 | $5,550 |
Cheap Columbus, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Columbus, Texas auto insurance. Find the cheapest annual Columbus, Texas auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Columbus, Texas
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,983 | $5,228 |
| American Family | $5,638 | $5,638 |
| Geico | $2,790 | $2,896 |
| Nationwide | $3,399 | $3,399 |
| Progressive | $4,239 | $4,239 |
| State Farm | $2,560 | $2,560 |
| USAA | $2,353 | $2,414 |
Cheap Columbus, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Columbus, Texas? Check out the comparison of annual Columbus, Texas auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Columbus, Texas
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,984 | $5,060 | $5,273 |
| American Family | $5,190 | $5,396 | $6,327 |
| Geico | $2,693 | $2,809 | $3,026 |
| Nationwide | $3,675 | $3,255 | $3,267 |
| Progressive | $4,062 | $4,221 | $4,435 |
| State Farm | $2,438 | $2,552 | $2,689 |
| USAA | $2,305 | $2,374 | $2,471 |
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Best By Category: Cheapest Auto Insurance in Columbus, Texas
Compare the cheapest auto insurance companies in Columbus, Texas in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Columbus, Texas
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
The Cheapest Columbus, Texas Auto Insurance Companies
What auto insurance companies in Columbus, Texas are the cheapest? Compare the top Columbus, Texas auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Columbus, Texas
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,105 |
| American Family | $5,638 |
| Geico | $2,843 |
| Nationwide | $3,399 |
| Progressive | $4,239 |
| State Farm | $2,560 |
| USAA | $2,383 |
What affects auto insurance rates in Columbus, Texas?
There are a lot of reasons why auto insurance rates in Columbus, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Columbus, Texas. Many local factors may affect your Columbus auto insurance rates.
Columbus Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Columbus, Texas auto theft statistics, there have been 5 auto thefts in the city.
Columbus Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Columbus, Texas commute length is 13.1 minutes according to City-Data.
Columbus Traffic
How does Columbus, Texas rank for traffic? According to Inrix Columbus, Texas is the 473rd most congested worldwide.
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Compare Columbus, Texas Auto Insurance Quotes
Before you buy Columbus, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Columbus, Texas auto insurance quotes.
Frequently Asked Questions
What are the average auto insurance rates in Columbus, TX?
The average auto insurance rates in Columbus, TX are $312 per month.
What is the minimum auto insurance coverage required in Columbus, TX?
In Columbus, TX, the minimum auto insurance coverage required is 30/60/25, which means:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage
How can I find the best cheap auto insurance in Columbus, TX?
To find the best cheap auto insurance in Columbus, TX, it’s recommended to compare quotes from multiple companies. This allows you to compare prices and coverage options to make an informed decision.
Are there any special considerations for teen drivers in Columbus, TX?
Teen drivers in Columbus, TX usually face higher auto insurance rates compared to other age groups. The most expensive auto insurance company for teen drivers in Columbus is American Family, while the cheapest is USAA.
Do auto insurance rates vary by ZIP code in Columbus, TX?
Yes, auto insurance rates can vary by ZIP code in Columbus, TX. Factors such as population density, crime rates, and accident frequency in a particular area can influence insurance premiums.
How does commute length impact auto insurance rates in Columbus, TX?
Commute length and annual mileage can affect auto insurance rates in Columbus, TX. Typically, longer commutes and higher mileage may result in slightly higher insurance premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.