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Car Insurance in Columbus, Georgia: Everything You Need to Know

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According to Georgia state law, all drivers, including Columbus residents, must purchase a minimum amount of car insurance to operate a motor vehicle on state roadways. Rates for car insurance Columbus, Georgia, can vary from one driver to the next, depending on a person’s age and other personal details.

Georgia Insurance Requirements

Insurify reports that drivers in Georgia are required to carry a minimum amount of liability insurance. To meet Georgia’s requirements, Columbus drivers should make sure their insurance policies include the following:

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

    While purchasing the minimum coverage mandated by law ensures that you can legally operate a vehicle on Georgia roadways, it may not be enough to pay for all the repairs and medical care needed after a serious accident. Insurify recommends that you explore all your insurance options, including full coverage. That way, you won’t have to pay out of pocket.

    How Much Do Columbus Drivers Pay for Car Insurance?

    According to The Zebra, Columbus drivers pay, on average, $1607 a year for car insurance, slightly less than Georgia’s statewide average of $1609. However, drivers both in Columbus and across the state of Georgia pay more for car insurance than the nationwide average of $1548. As WalletHub notes, Georgia drivers pay more for insurance because the state is home to some of the most accident-prone highways in the United States. Also, insurance companies operating in Georgia do not have to get permission from the state’s insurance commissioner to raise rates, making it easier for them to raise prices.

    What Factors Affect Individual Car Insurance Rates?

    When calculating car insurance rates, a provider looks at your personal profile, so you could end up paying more or less for car insurance than the average Columbus driver. The Zebra suggests that you shop around for quotes since each company has its own formula for determining a driver’s rates, meaning that prices vary among companies. Here’s what some of the leading companies charge for a policy in Columbus:

    • Georgia Farm Bureau: $1049 a year.
    • USAA: $1286 a year.
    • GEICO: $1595 a year.
    • State Farm: $1629 a year.
    • Progressive: $1927 a year.

      No matter which provider you request a quote from, you can count on your age to have a significant impact on your car insurance rates. If you’re a driver in your 50s, you’ll enjoy lower rates than other drivers in Columbus. At the other end of the spectrum, teen drivers pay the highest rates because insurance companies view them as a bigger risk to insure. The Zebra provides a breakdown of rates for Columbus drivers based on age:

      • Ages 16 to 19: $6451 a year.
      • Ages 20 to 29: $2220 a year.
      • Ages 30 to 39: $1591 a year.
      • Ages 40 to 49: $1516 a year.
      • Ages 50 to 59: $1403 a year.
      • Ages 60 to 69: $1446 a year.
      • Ages 70 to 79: $1805 a year.

        If you want to keep your car insurance rates down, one of the best things you can do is maintain a clean driving record. If you get a citation for reckless driving, speeding, or a DUI, you shouldn’t be surprised to see a hike in your car insurance costs. Here’s what you can expect to pay for having specific violations on your record:

        • DWI/DUI: $2786 a year.
        • Reckless Driving: $2431 a year.
        • At-Fault Accident (with damages under $1000): $2244 a year.
        • At-Fault Accident (with damages over $2000): $2492 a year.
        • Speeding Ticket (16 to 20 mph over the speed limit): $2027 a year.

          Your credit history is another factor that insurance companies look at closely when determining your rates. The industry views drivers with higher credit ratings as more responsible and less likely to miss a premium payment. If you improve your credit score from the “Poor” tier to the “Excellent” tier, you can save up to 50 percent. Here are the average rates for car insurance in Columbus depending on credit rating:

          • Poor (300 to 579): $2830 a year.
          • Fair (580 to 669): $1833 a year.
          • Good (670 to 739): $1607 a year.
          • Very Good (740 to 799): $1513 a year.
          • Exceptional (800 to 850): $1382 a year.

            Finally, an insurance company will look at what Columbus ZIP code you live in. Prepare to pay higher rates if you live in a ZIP code with increased rates of auto theft and vandalism. Providers will also charge you more if there are lots of uninsured drivers in your neighborhood. ValuePenguin gathered full coverage quotes for each Columbus ZIP code, and they are as follows:

            • 31808: $2466 a year.
            • 31820: $2418 a year.
            • 31901: $2397 a year.
            • 31903: $2359 a year.
            • 31904: $2421 a year.
            • 31905: $2337 a year.
            • 31906: $2417 a year.
            • 31907: $2419 a year.
            • 31909: $2379 a year.

              Car Insurance Discounts for Columbus Drivers

              Even if you’re a Columbus driver with a spotty driving record or a less-than-perfect credit history, you can still save on car insurance by taking advantage of the many discounts offered by providers. According to Bankrate, it’s a good idea to talk to your insurance agent about the following discounts:

              • Safety Feature Discount: If you purchase a car with the latest safety technology, you can earn significant discounts from your insurance provider. Many companies also offer discounts if you add anti-theft devices to your vehicle.
              • Full Payment Discount: If you choose to pay your premium in full instead of in monthly payments, your insurance company might be willing to shave a percentage off the premium total. If you prefer to pay your premium off in monthly installments, ask if your insurance company offers discounts for paperless billing or using the auto payments feature.
              • Bundling Discount: Many companies reward customer loyalty by offering discounts for customers who bundle their homeowner’s and car insurance policies. You’ll also see savings if you insure all household vehicles with the same provider.

                Now that you know how insurance companies calculate rates for Columbus drivers, you can make an informed decision when it comes to finding the best insurance at a reasonable price.

                Check this out if you need additional information, resources, or guidance on car insurance.

                Sources:

                Cheap Auto Insurance Quotes in Columbus, GA (2021) | insurify.com

                Columbus, GA Car Insurance | thezebra.com

                Cheapest Car Insurance in Georgia | wallethub.com

                Who Has The Best Car Insurance Rates in Columbus, Georgia? | valuepenguin.com

                Best car insurance in Georgia for 2021 | bankrate.com

                Cheap Car Insurance in Columbus, Georgia: Everything You Need to Know | caranddriver.com

                Georgia Car Insurance Law: Everything You Need to Know | caranddriver.com

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