Columbus is Ohio's largest and fastest-growing city, home to approximately 910,000 residents in Franklin County. The city is home to The Ohio State University, a booming tech sector, and a diverse economy that has made Columbus one of the Midwest's most dynamic cities. Columbus auto insurance rates are moderate compared to other major Ohio cities.
In 2026, the average Columbus driver pays approximately $1,450 per year for full coverage and around $435 per year for liability-only coverage.
Ohio Minimum Auto Insurance Requirements
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
Average Auto Insurance Rates in Columbus by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 43215 | Downtown Columbus | $1,650 | $495 |
| 43201 | Short North / OSU area | $1,700 | $510 |
| 43235 | Dublin / Northwest Columbus | $1,300 | $390 |
| 43232 | East Columbus | $1,750 | $525 |
| 43228 | West Columbus / Hilliard border | $1,400 | $420 |
Get Your Free Columbus Auto Insurance Quote
Sewell Insurance Agency is licensed in Ohio and serves all of Franklin County and the Greater Columbus area. Our licensed brokers will find you the best auto insurance rate for your Columbus address.