Auto Insurance Quotes in Columbus OH - [Mom Prepared] (2025)

Auto insurance is a necessary expense for most families, especially those with multiple vehicles and driving-age children. In Columbus, Ohio, the Smith family is no exception. With three children of varying driving ages, they have had to navigate the world of auto insurance quotes to ensure they have the coverage they need at a price they can afford.

Meet the Smiths: John and Sarah, a husband and wife raising three children in Columbus, Ohio. Their oldest son, Michael, just turned 16 and recently got his driver’s license. Their daughter, Emily, is 18 and heading off to college this fall, while their youngest son, Jack, is 14 and eagerly counting down the days until he can get his learner’s permit.

The Smiths own four vehicles, each serving a specific purpose for their busy family life. Their oldest vehicle is a 2008 Honda Accord, which is primarily driven by John for his daily commute to work. They also have a 2015 Toyota Sienna minivan, perfect for family road trips and hauling the kids to their various activities. Sarah drives a 2017 Ford Escape for running errands and shuttling the kids around town. Finally, Michael recently got his own car, a 2020 Honda Civic, which he uses to drive to school and work.

When it comes to auto insurance coverage, the Smiths have a variety of options to choose from. For their Honda Accord, they have opted for full coverage with a $500 deductible, which costs them $150 per month. The Toyota Sienna has liability coverage only, as it is an older vehicle, costing them $75 per month. Sarah’s Ford Escape also has full coverage with a $500 deductible, at a monthly cost of $125. Michael’s Honda Civic has the highest coverage, with full coverage and a $250 deductible, costing $200 per month.

Over the years, the Smith family has had their fair share of driving infractions, which have resulted in increased auto insurance rates. Michael was recently caught speeding, which resulted in a 10% increase in their overall premium. Emily was involved in a minor fender bender, causing a 15% increase in their rates. John received a ticket for running a red light, resulting in a 20% increase. Sarah had a lapse in coverage due to a missed payment, causing a 25% increase. Jack, their youngest son, has yet to start driving but has already been added to the policy as a future driver, resulting in a 5% increase.

When it comes to auto insurance in Columbus, Ohio, there are several common questions that many residents have. Here are 12 of the most frequently asked questions, along with their answers:

1. What is the minimum auto insurance coverage required in Ohio?

In Ohio, drivers are required to have liability insurance with a minimum coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage.

2. Is it necessary to have uninsured/underinsured motorist coverage?

While it is not required by law, uninsured/underinsured motorist coverage is highly recommended to protect yourself in the event of an accident with a driver who does not have insurance or enough insurance to cover the damages.

3. Can I exclude certain drivers from my auto insurance policy?

Yes, you can exclude certain drivers from your policy, such as teen drivers or drivers with poor driving records. However, be aware that if an excluded driver causes an accident while driving your vehicle, your insurance may not cover the damages.

4. Are there any discounts available for auto insurance in Columbus, Ohio?

Many insurance companies offer discounts for things like bundling home and auto insurance, having a good driving record, being a safe driver, or having certain safety features on your vehicle.

5. How can I lower my auto insurance premiums?

There are several ways to lower your auto insurance premiums, such as raising your deductible, reducing coverage on older vehicles, taking advantage of discounts, and maintaining a good driving record.

6. Do I need to have comprehensive coverage on my vehicle?

Comprehensive coverage is not required by law, but it can be beneficial in the event of theft, vandalism, or damage caused by natural disasters.

7. What is the average cost of auto insurance in Columbus, Ohio?

The average cost of auto insurance in Columbus, Ohio varies depending on several factors, including the driver’s age, driving record, the type of vehicle, and the coverage options chosen. On average, residents can expect to pay around $1,000 to $1,500 per year for auto insurance.

8. Can I pay my auto insurance premiums monthly?

Many insurance companies offer the option to pay premiums monthly, quarterly, or annually. However, some companies may charge a fee for monthly payments, so it’s important to compare rates and options before choosing a payment plan.

9. How does my credit score affect my auto insurance rates?

In Ohio, insurance companies are allowed to consider your credit score when determining your auto insurance rates. A higher credit score can result in lower premiums, while a lower credit score may lead to higher rates.

10. What should I do if I am involved in an accident?

If you are involved in an accident, it’s important to exchange information with the other driver, take photos of the scene and any damages, and contact your insurance company as soon as possible to file a claim.

11. Can I purchase auto insurance online?

Many insurance companies offer the option to purchase auto insurance online, making it convenient and easy to compare rates and coverage options from the comfort of your own home.

12. How can I find the best auto insurance quotes in Columbus, Ohio?

To find the best auto insurance quotes in Columbus, Ohio, it’s important to shop around and compare rates from multiple insurance companies. You can also work with an independent insurance agent who can help you find the best coverage at the most affordable price.