Last updated:

Best Local Car Insurance Agencies in Columbus, GA

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Columbus Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

3902 Hamilton Road, Columbus, GA 31904
WebsiteLicense: 70554 Rating

Review Sources

4.7 (85)
5.0 (2)

Why choose this provider?

Capparelle's Insurance is an independent insurance solutions provider in Columbus that specializes in personal and commercial insurance lines to clients in the metro. The company provides auto insurance products that adhere to state-mandated coverages for bodily injury liabilities, property damages, protection from uninsured and underinsured motorists, and beneficial add-ons for minor violations and teenage drivers. Capparelle's Insurance is a family-owned and operated company and has been in the insurance industry since 1983.

  • Multiple Carriers

1656 South Lumpkin Road, Columbus, GA 31903 Rating

Review Sources

4.3 (47)
5.0 (15)
1.0 (1)

Why choose this provider?

Kite Insurance Agency is a team of agents in Columbus that provides protection plans. Included in its line of products is auto insurance. The professionals provide insurance policies for car owners regardless of their age, vehicle, driving record, and credit history. They help clients find suitable coverage by reviewing insurance plans from different carriers. In addition to automobiles, they also insure personal watercraft. Kite Insurance Agency has been providing financial assistance plans for more than 35 years.

  • Multiple Carriers

4511 Armour Road, Columbus, GA 31904
WebsiteLicense: 98315 Rating

Review Sources

5.0 (12)
4.5 (8)

Why choose this provider?

Established in 1969, Ragan Insurance Agency, Inc., is a full-service and independent company that serves clients in Columbus and nearby areas. It provides a wide array of insurance and risk management products, such as auto, boat and watercraft, and motorcycle insurance. It also offers other personal and business insurance plans. The company represents a carefully selected roster of carriers that provides clients with suitable options based on their needs and requirements.

  • Boats
  • Motorcyle & ATV

7505 Veterans Parkway, Columbus, GA 31909
WebsiteLicense: 560619 Rating

Review Sources

4.9 (38)

Why choose this provider?

Becky Goldsmith is a State Farm insurance agent with over 30 years of experience in the industry. Goldsmith provides car insurance solutions to families and small businesses in the Columbus metro. Her team also helps protect other valuables, including homes and condominiums. Additionally, they work on services related to banking and financial management to help customers maximize their profits. Goldsmith is committed to not only protecting her local community but also helping them plan for their future.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Capparelle's Insurance
3902 Hamilton Road, Columbus, GA 31904
Kite Insurance Agency
1656 South Lumpkin Road, Columbus, GA 31903
Ragan Insurance Agency, Inc. - Columbus
4511 Armour Road, Columbus, GA 31904
Becky Goldsmith
7505 Veterans Parkway, Columbus, GA 31909


  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • In Columbus, would teen drivers pay more or less for car insurance than their parents?

    Teen drivers in Columbus would spend more on insurance than their parents because of their age, which is seen as risky by insurance companies. A full-coverage car insurance policy for young drivers costs at least $301 monthly. Liability-only policies are available for at least $124 every month. These rates can be over three times more than what 30-year-old policyholders would pay.

  • How can seniors in Columbus reduce their insurance rates?

    Senior drivers in Columbus can try to lower their auto insurance premiums by purchasing a pay-per-mile policy. This is a good option if they only drive as needed. They can also take defensive driving courses designed for older adults to qualify for insurance discounts. Insurance providers charge drivers over 75 years old higher premiums since they have higher chances of getting involved or injured in auto accidents.

  • Which would result in higher car insurance rates in Columbus: poor credit or a speeding ticket?

    Having a poor credit score in Columbus increases one’s auto insurance premiums by 66%. Credit impacts premiums more than a speeding ticket, which results in a 16% increase. Drivers with relatively low credit scores can get their vehicles insured for at least $113 a month. That said, a DUI offense raises insurance rates by 77%, more than poor credit or a speeding ticket.

  • What is accident forgiveness, and do insurers in Columbus offer it?

    Accident forgiveness keeps a policyholder’s premium from increasing if they make a mistake on the road that results in a first-time accident. An at-fault accident would usually cause drivers to pay 44% higher rates. Several insurers in Columbus offer accident forgiveness; however, the terms vary. Some companies renew drivers’ eligibility every three years, while some only forgive the first accident.

  • What are the chances that you will meet an uninsured driver in Columbus?

    As far as statewide data from the Insurance Information Institute goes, you have a 14% chance of meeting an uninsured driver in Columbus. The percentage of uninsured drivers in Georgia is higher compared to the 13.3% nationwide rate. This could be one of the factors affecting the state’s auto insurance rates, which are also higher than the national average.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.