If you live in Columbus, you know how busy the roads can get. It’s either morning congestion on the Manchester Expressway or weekend gridlock near the Riverwalk. With all this traffic, accidents can happen when and where you least expect them. The last thing you need is to worry about your car insurance.

Freeway Insurance helps Columbus drivers get reliable car insurance in Georgia without a big price tag. We make it easy for everyone to shop and compare policies, from students at CSU to families stationed at Fort Benning and lifelong locals. Learn more about car insurance costs in Georgia and how you could save on your monthly premiums.

Columbus drivers are paying less than most of Georgia, and in many cases, less than the rest of the country. On average, state minimum liability coverage in Columbus runs about $48 per month, compared to $86 statewide and $67 nationally.

If you want more protection, full coverage car insurance in Columbus averages around $142 monthly, well below Georgia’s $242 average and the national average of $223. These rates can give you more flexibility when choosing between basic liability and comprehensive protection.

Columbus drivers will face a range of traffic and road conditions depending on the time of day and area of town. Busy corridors like Veterans Parkway, Manchester Expressway, and Interstate 185 tend to see the most congestion, especially during rush hours.

Traffic can also spike near Fort Benning, Columbus State University, and local shopping areas like Peachtree Mall. While Columbus doesn’t experience much snow or ice, heavy rainstorms can make the roads slick and reduce visibility.

How Many Fatal Accidents Happen in Columbus?

Between 2020 and 2024, there were 34,546 reported crashes in Columbus, Georgia. Of these, 1,374 resulted in injuries, and 127 crashes led to fatalities.

Several areas in Columbus have become accident hotspots, including the intersection of I-185 and Manchester Expressway, near the Columbus Metropolitan Airport, as well as the interchange at Macon Road.

How Are the Road Infrastructure and Bridges in Columbus?

Columbus has a mix of older roadways and expanding infrastructure to support the growing population and busy military base. The city has invested in roadway upgrades and ongoing maintenance, but some high-traffic areas are suffering from aging infrastructure. Efforts are underway to improve traffic flow and increase safety.

If you are driving anywhere in Georgia, you must carry at least the state-mandated minimum car insurance coverage. These are the lowest limits allowed by law and designed to cover damages and injuries you cause to others in an accident:

Driving without valid auto insurance in Georgia is considered a serious offense and can result in consequences such as:

Insurance companies weigh several factors when calculating car insurance premiums. These variables can make a big difference in what you pay each month. The variables can include:

If you are at fault in a car accident that damages someone else’s property, you are financially responsible for the repairs. Liability insurance can help cover the costs. In Georgia, the minimum amount of property damage coverage is $25,000 per accident. This money goes toward repairing or replacing the damaged property.

However, if the cost of the damage exceeds your limit, you’ll have to pay the difference out of your own pocket. That’s why many drivers choose higher liability limits or full coverage plans. These car insurance policies give you added protection in case you unexpectedly damage someone else’s property.