Columbus Insurance Rates:

Columbus, GA home insurance is roughly $749 to $1,017, about $62-$84/month. Our exhaustive guide reveals consumers can save upto $353 by getting many quotes

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Columbus Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $140/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1280 sqft Vacation Property Constructed In 1971 with Carpet Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $330/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $120,000

2 Beds, 2 Bath 1230 sqft Primary Residence Constructed In 1992 with Carpet over wood flooring, Composition Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $300/9 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1600 sqft Primary Residence Constructed In 2012 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $350/7 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Baths 1306 sqft Primary Residence Constructed In 1951 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Columbus, GA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
31903 $71,000 $850
31909 $156,100 $900
31901 $154,000 $900
31904 $149,200 $900
31906 $116,500 $880
31907 $114,600 $880

Columbus Rates & Quotes Analysis:

Columbus Area Estimated House Insurance
New Campbellton Rd, Hunter Ridge Cir, River Rd, Fall Dr, Maudie Ln, Masters Ln, Matilda Ln, Wood Duck Ln, Appolo Dr, Stobe Dr$889
Hilldale Dr, Sealy Ln, Crawford Dr, Setter Ct, Bragg Smith St, Caribou Dr, Grand Ln, Green Island Dr, Rushin Dr, Johnston Dr$957
Springer St, Alamo Ct, 51st St, Preston Dr, Norton St, Vera Dr, Boulder Dr, Converse Dr, Egins Ct, Willowbrook Dr$872
Starlight Dr, Coronet Dr, Twin Chapel Dr, Kenwood Ave, Gunboat Dr, Ruby Dr, Gurley Dr, Oates Ave, Moye Rd, Linden Cir$897
Southlea Ct, 48th St, Grady Dr, Abingdon Ct, Michael Ave, Hale Dr, Stonewall Dr, Mt Pleasant Ct, Wise St, Yuchi St$899
Ragland St, Flournoy Dr, Bob-O-Link Dr, Heather Ct, Highridge Dr, Windbush Way, Woodmark Dr, Maplebrook Ct, Marlowe Dr, Samson Ave$919
Big Eddy Rd, Jottings Dr, Fairfield Dr, Nightwind Ct, Hays Dr, Lakewood Dr, Adams St, Beaver Ct, Parkman Ave, Autumn Trl$894
Birchfield Dr, Moller Ct, Athens Ct, Louise Dr, Glenn Rd, Magnolia Ave, Sunrise Ln, Owsley Ave, Treetop Ln, 10th Armored Division Rd$883
Thomas St, Sedgefield Ave, Kingfisher Dr, Mary Ann Dr, Jane Ln, Walking Stick Way, Chalbena Ave, N Oakley Dr, Peachtree Dr, Comer St$857
Wayside Ave, Bunker Hill Ct, Victoria Dr, Hiawatha Dr, 31st Ave, Convene Ct, Spruce St, Standing Boy Ct, Moon Cir, W Britt David Rd$865

Insurance rates are influenced by a number of factors including:

  • Year Built: 11,792 Homes (14% of total) built between 1950 to 1959 in Columbus are paying home insurance between $1,660-$1,673 compared to Columbus North (+$55), Waverly Hall (+$99), Phenix City(AL) (+$125), Columbus East (-$20) and Columbus West (-$42).
  • Bedrooms: 23,147 2 bedrooms homes (28% of total homes ) in Columbus are paying about $619. Areas near to Columbus such as Columbus North, Waverly Hall, Phenix City(AL) are costlier by $20, $37, $65 respectively whereas Columbus East and Columbus West are more economical by $8, $16 respectively for similar homes.
  • Auto Insurance Bundling: 17,321 Households (44% of all households) in Columbus have 2 vehicles available and when it is bundled with home insurance you can save $176 and varies from Muscogee County ($176), Columbus East ($174), Columbus North ($182).
  • Senior Discounts: 19,766 seniors (more than 55 years) occupied housing units (50% of total) in Columbus get discounts between $132 to $134. The comparative concessions in proximate regions such as Muscogee County, Columbus East and Columbus North are $132, $130 and $136 respectively.
  • New Homes discounts: New homes such as the 34,961 homes built between 2000 to 2009 in Columbus can save $176 and varies from Muscogee County ($176), Columbus East ($174), Columbus North ($182).

Columbus Homeowners insurance Facts

  • Columbus, GA has 39,225 owner occupied houses which is 54.3% of all units whereas Muscogee County, Columbus East and Columbus North have 54.34%, 62.83% and 66.79% respectively.
  • Columbus, GA homeowners yearly insurance price at $883 is 0.66% of the typical house value of $132,900 which is in contrast with 0.66% in Muscogee County, 0.77% at Columbus East & 0.49% in Columbus North.
  • Homeowners in Columbus, GA pay 2.72% of their income ($30,000 to $34,999) in insurance whereas homeowners in Muscogee County, Columbus East and Columbus North pay 2.72%, 2.68% and 2.81% respectively.
  • Columbus, GA’s insurance is 6.0% of monthly housing costs of $1,221/month, for owners with a mortgage compared to 6.03% in Muscogee County, 6.4% at Columbus East & 5.12% in Columbus North. But, for households without a mortgage, insurance is 21.8% of costs ($337 in Columbus, GA) in contrast with 21.83% in Muscogee County, 22.43% at Columbus East & 19.79% in Columbus North.

Columbus, GA Home Values & Insurance rates

For example, insurance for 2,622 Homes (7.0% of total homes ) valued between $175,000 to $199,999 in Columbus, GA is about $1,245. Rates in nearby areas in such as Columbus North, Waverly Hall, Hamilton are cheaper by $333, $487, $472 respectively while Columbus East and Columbus West are costlier by $193 and $468 respectively for similar homes.

Columbus, GA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,960 7.0% $158
$50,000 to $59,999 1,235 3.0% $344
$60,000 to $69,999 1,494 4.0% $423
$70,000 to $79,999 2,033 5.0% $494
$80,000 to $89,999 2,539 6.0% $556
$90,000 to $99,999 2,459 6.0% $626
$100,000 to $124,999 5,456 14.0% $724
$125,000 to $149,999 4,547 12.0% $909
$150,000 to $174,999 4,148 11.0% $1077
$175,000 to $199,999 2,622 7.0% $1245
$200,000 to $249,999 3,412 9.0% $1492
$250,000 to $299,999 2,008 5.0% $1827
$300,000 to $399,999 2,323 6.0% $2322

Renters Insurance in Columbus

  • Average Renters Insurance in Columbus :  $268($22/month)

  • Median Gross Rent in Columbus :  $778

  • Columbus Renters Insurance to Median Rent Ratio:  2.83%

  • Average household size of renter-occupied unit :  2.42

Columbus Renters Insurance as a Percentage of Rent

Columbus Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 549 1.0% $367
$200 to $299 1,329 4.0% $817
$300 to $499 4,006 12.0% $1267
$500 to $749 8,914 28.0% $1942
$750 to $999 8,906 28.0% $2692
$1,000 to $1,499 6,704 21.0% $3817
$1,500 or more 1,359 4.0% $5467

Protective device discount in Columbus Up to :  $40

Claims-free discount in Columbus Up to :  $53