Car Insurance in Columbus, GA

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Driving Safely in Columbus

Whether you're preparing for a scenic summer drive to Providence Canyon or simply commuting to another spectacular area of Columbus, you'll find many reasons to get behind the wheel and explore your hometown in Georgia. Before exploring this historic riverside city, however, it's important to carefully review your policy for car insurance in Columbus, GA, to be sure of your coverage in the event of an accident.

Thankfully, you won't likely experience too many severe weather events in Columbus. The annual temperature typically stays between 91 degrees and 38 degrees, giving you refreshingly cool winters and humid summers that are ideal for road trips and riverside walks.

With over 202,000 other residents in the Columbus area, it's important to have the right coverage and to stay alert on the road. There are over 20 fatalities every year in Columbus due to car crashes and road traffic, according to Cautious driving may help prevent accidents, but it's important to have the right coverage in case of a minor traffic incident or major accident.

Find the Best Car Insurance in Columbus, GA

The METRA bus system may be a convenient way to nearby amenities in Columbus, but many residents need a car for reliable and efficient transportation throughout the city and in the greater western Georgia area. Use VIU by HUB to explore auto insurance rates to protect your vehicle and commute with peace of mind.

Required and Optional Auto Insurance Coverage

The Office of Commissioner of Insurance and Safety Fire requires drivers to have car insurance in Columbus, GA. Here are the required and optional policy features that can help cover costs in the event of an incident:

  • Bodily injury: Columbus drivers are required to have this type of coverage, with a minimum limit of liability of at least $25,000 per person and $50,000 per incident.
  • Property damage: Another required policy feature is at least $25,000 in property damage coverage per incident.
  • Collision: Most losses associated with a collision are covered by this type of insurance, which isn't required to drive legally in Georgia.
  • Comprehensive: Another layer of protection to consider is comprehensive, which covers losses while you aren't behind the wheel.
  • Uninsured motorist: This optional policy feature protects you from paying for damages and injuries involving an underinsured motorist.

Each policy feature can be personalized. For example, you can increase the liability coverage of your policy or add one or more optional areas of coverage.

Average Cost of Auto Insurance in Columbus

At VIU by HUB, we're committed to providing drivers with competitive insurance rates and coverage options. The average policy for drivers in Columbus, Georgia is approximately $1,607 per year. This is about the same as the average for drivers throughout the state, though the national average is slightly less at about $1,548.

Factors That Affect Your Rates for Car Insurance in Columbus

The state of Georgia follows a risk-rating process for determining your auto insurance rate. First, your insurance provider will review your application based on a number of factors, including the following:

  • Your driving record
  • Your neighborhood
  • The make, model and age of your vehicle
  • Personal information, like your age, gender, marital status and credit score

Depending on your insurance company, there may be options for discounts on car insurance in Columbus, GA. For example, having multiple drivers on the policy, installing safety devices and combining your home and auto insurance policies are all potential ways to lower your rates. Reviewing quotes from various insurance companies allows you to make an informed decision on your policy features before you get behind the wheel.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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US Census Bureau

Office of Commissioner of Insurance and Safety Fire

Car and Driver, Cost of Insurance in Columbus, Georgia

Auto insurance in Georgia by city

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