Cheap Car Insurance Columbus

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cheap car insurance columbusColumbus is the capital and largest city of Ohio, and the 15th-largest city in the United States. The city was named for explorer Christopher Columbus, and has a diverse economy based on education, government, insurance, banking, defense, aviation, food, clothes, logistics, steel, energy, medical research, health care, hospitality, retail, and technology. The cost of living in Columbus is 1% lower than the Ohio average, and 10% lower than the national average. There are many attractions for visitors and residents, including shopping, movie theaters, ice skating rinks, bowling, museums, and national libraries.  The Ohio State Buckeyes football team plays home games at Ohio Stadium, and “Buckeye fever” permeates Columbus culture year-round, bringing in fanatic residents and tourists, as well as substantial traffic congestion. The city is bisected by two major Interstate Highways, Interstate 70, and Interstate 71. The two Interstates combine downtown for about 1.5 miles in an area locally known as “The Split”, which is a major traffic congestion point within Columbus, especially during rush hour. This makes it very important to explore all the options for cheap car insurance Columbus has available, as well as any discounts you may qualify for.

The crime rate in Columbus is 57% higher than the national average and property crime is 58% higher than the national average. The Columbus Division of Police has over 1,800 officers and 300 civilian employees. The department also includes specialized units, like  cold case, crime lab, fraud and forgery, homeland security, narcotics and vice and strategic response teams. A strong police force helps keep risk of auto theft and property damage down, which in turn keeps insurance rates affordable.

Columbus Insurance Requirements

The Insurance Research Council has found that as many as 15% of Ohio drivers have failed to carry car insurance in recent years. Failure to present proof of insurance while driving results in immediate license plate suspension and a minimum fine of $500.

  • Ohio mandatory minimum coverage for bodily injury or death of one person in an accident is $20,000.
  • Ohio mandatory minimum coverage for bodily injury or death of more than one person in an accident is $40,000.
  • Ohio mandatory minimum coverage for damage to property of another person is $15,000.

cheap car insurance columbus 2The minimum coverage may be all the law requires, but Columbus is a highly populated city with very busy highways. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Columbus can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

cheap car insurance columbus 3Public Transportation In Columbus

The Central Ohio Transit Authority (COTA) maintains a widespread municipal bus service, and intercity bus service is provided by Greyhound, Barons Bus Lines, Miller Transportation, Megabus, GoBus, and other carriers. The number of people who take public transportation in Columbus is 38% lower than the national average, although cycling as transportation is steadily increasing in Columbus.