Cheapest Auto Insurance in Columbus, Mississippi (2024)
State Farm offers the cheapest car insurance in Columbus, with minimum-coverage policies as low as $35 per month.
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Reviewed byDaniel Roccato
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Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated September 19, 2024
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Table of contents
Drivers in Columbus, Mississippi, pay an overall average of $143 per month, or $1,710 per year, for car insurance, which is less than the national average of $158.
Columbus is “the city that has it all.” From great dining experiences to beautiful parks, golf courses, and the scenic Tenn-Tom waterway, Columbus truly offers something for everyone. But living in this bustling city also means taking care of practical matters, such as car insurance.
Here’s what you should know about comparing rates and companies for auto coverage, whether your driving history is squeaky clean or has a few bumps.
Quick Facts
State Farm, USAA, and Safeco have the cheapest car insurance in Columbus.
Columbus drivers pay an average of $2,568 per year for full-coverage car insurance.
Liability-only policies in Columbus cost an average of $71 per month.
3 of the cheapest car insurance companies in Columbus, Mississippi
Columbus car insurance comes in a variety of options, and comparing different companies and their offerings can help you find one that fits you best. Factors such as your driving history, coverage preferences, and budget all play a role in determining the best insurer for you.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Progressive | 8.4 | $119 | $59 | Drivers younger than 25 |
| National General | 6.8 | $139 | $65 | Drivers with a DUI |
| State Auto | 8.5 | $72 | $36 | Senior drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers younger than 25: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,119)
Connie
September 19, 2024
Verified Review
Poor
Why so expensive?
George
September 19, 2024
Verified Review
Erroneous $6000.00 Payment
I'm still waiting for rates to return to normal. Progressive paid out $6000.00 for a claim that was completely bogus. Surprisingly, Progressive didn't even assess the damage and erroneously paid out $6000. What a waste.
Bruce
September 19, 2024
Verified Review
I don't have any issues
I am satisfied with the service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
In Mississippi, 11% of drivers are younger than 25, and Progressive is an excellent choice for them for affordable auto coverage. The company offers a range of discounts specifically for this age group, from a teen driver discount if you’re younger than 18 to a 10% discount for being a good student, and savings if you go to college more than 100 miles from home.
The company also has digital tools that simplify the process of managing your policy and claims, saving you time and effort.
Pros
Five agents in Columbus
Custom coverages and discounts to personalize policies
Cons
Rates may be higher for younger drivers
Below-average J.D. Power customer satisfaction rating in the Southeast region
Best insurer for drivers with a DUI: National General
| User Reviews | 3.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $64/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/mo |
3.3
A solid optionBased on 306 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (161)
Mildred
September 18, 2024
Verified Review
Fair
It seems too expensive to me, and they increase the price when one goes to renew the contract.
Stephanie
September 16, 2024
Verified Review
Wish for More Affordable Liability Coverage
As a senior, I am looking for a broker who can offer something more affordable. It's a struggle...
Lawrence A
September 11, 2024
Verified Review
Good Company
Give them a chance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
National General stands out as the best option for drivers with a DUI. Some insurers may cancel your coverage after a DUI, but National General provides coverage to first-time offenders. The company will even file an SR-22 for you. An SR-22 is a certificate the state can require to reinstate your license and proves you meet the legal requirement of auto insurance.
Pros
10 agencies in Columbus
Discounts available
Cons
Drivers may pay higher rates after a DUI
Mobile app doesn’t allow policy changes
Best insurer for senior drivers: State Auto
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $167/mo |
3.6
A solid optionBased on 21 verified guest reviews and ratings
How drivers feel about State Auto
Drivers appreciate the reasonable initial rates but dislike the poor customer service and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Business auto coverage
Farm auto coverage
Safe drivers
How drivers feel about State Auto
Drivers appreciate the reasonable initial rates but dislike the poor customer service and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Business auto coverage
Farm auto coverage
Safe drivers
Reviews (8)
Brandon
June 22, 2023
Verified Review
Their customer service is horrible and slow, costing us hundreds of dollars extra in added rental car fees due to their delays.
Their customer service is horrible and slow, costing us hundreds of dollars extra in added rental car fees due to their delays.
Lynnette
February 3, 2021
Verified Review
Average
Rate increase without notice upon renewal.
Barbara
March 17, 2019
Verified Review
Excellent
The rates for the auto coverage we get are reasonable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
State Auto is the best Columbus car insurance option for seniors, primarily because of its straightforward and personalized insurance packages. Seniors can tailor coverage to get the protection they need without paying for things they don’t. The company offers a multi-policy discount for bundling auto, home, fire, or umbrella policies.
State Auto became part of Liberty Mutual in March 2022, which adds to the company’s credibility.
Pros
Six agencies in Columbus
Accident forgiveness and minor violation coverage keep rates low
Cons
Some coverages are only available as packages
Can’t get a quote online
How to get the cheapest car insurance in Columbus
To find the best rate on Columbus car insurance, it helps to understand the factors that come into play when setting rates. When giving you a quote, insurers consider your driving record, age, location, vehicle type, credit score, coverage options, and discounts.
Follow these tips to help qualify for the cheapest premiums:
Maintain a clean driving record. A history of safe driving can make you eligible for lower premiums.
Bundle policies. Buying your car and homeowners insurance from the same company can make you eligible for a multi-policy discount.
Choose higher deductibles. Higher collision and comprehensive deductibles transfer more risk to you, which can lower your premium. Just make sure you’re comfortable paying the deductible amount out of pocket if you need to file a claim.
Drive a safe vehicle. Many insurers offer discounts for safety equipment and technology in vehicles.
Ask about discounts. Check with your insurance agent about discounts for good students, safe drivers, or specific professional affiliations.
Shop and compare. Get quotes from at least three different insurers to compare costs and policy options to find coverage that fits your needs and budget.
Find Cheap Car Insurance in Columbus
Liability rates start at $35 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Columbus: State Farm
Liability-only car insurance provides basic protection that meets Mississippi’s legal requirements for auto insurance. It only covers damages you might cause to another person and their property in an accident. A liability policy doesn’t pay for damages to your vehicle or your medical expenses. Liability-only policies generally work best for drivers who don't have a car payment and who own an older, less-expensive vehicle.
Liability insurance in Columbus costs $71 per month, on average. The table below shows Columbus’s cheapest average insurance companies for a liability-only policy.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Hugo | $47 |
| State Farm | $47 |
| Auto-Owners | $54 |
| Erie | $54 |
| GEICO | $59 |
| USAA | $61 |
| Safeco | $63 |
| American Family | $68 |
| Midvale Home & Auto | $69 |
| Clearcover | $70 |
| Nationwide | $70 |
| Elephant | $71 |
| Progressive | $77 |
| The General | $87 |
| Commonwealth Casualty | $90 |
| Liberty Mutual | $92 |
| Dairyland | $94 |
| Direct Auto | $99 |
| National General | $103 |
| Allstate | $104 |
| CSAA | $108 |
| GAINSCO | $110 |
| Travelers | $111 |
| Farmers | $115 |
| Root | $134 |
| Bristol West | $138 |
| State Auto | $159 |
| Foremost | $169 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Columbus: State Farm
Full-coverage car insurance includes liability protection and coverage for your vehicle’s damages. While liability-only coverage may be more affordable for Columbus drivers on a tight budget, full coverage is best for people with newer or more valuable cars that would be costly to repair or replace. It’s also helpful for commuters or drivers who live in areas with higher accident rates.
If you finance or lease your vehicle, you'll have to buy full coverage, as lenders and leasing companies typically require it to protect their investment in your vehicle.
Columbus drivers pay an average of $214 per month for a full-coverage policy. Here’s a look at the companies that offer the cheapest full-coverage insurance in Columbus:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $85 |
| Auto-Owners | $99 |
| Erie | $99 |
| Elephant | $100 |
| Safeco | $103 |
| GEICO | $108 |
| USAA | $110 |
| Midvale Home & Auto | $117 |
| Clearcover | $120 |
| American Family | $122 |
| Nationwide | $127 |
| Progressive | $140 |
| Liberty Mutual | $169 |
| Hugo | $172 |
| National General | $174 |
| Direct Auto | $176 |
| The General | $183 |
| Allstate | $188 |
| CSAA | $191 |
| Travelers | $203 |
| Root | $206 |
| Farmers | $209 |
| GAINSCO | $211 |
| Commonwealth Casualty | $223 |
| State Auto | $226 |
| Dairyland | $254 |
| Bristol West | $304 |
| Foremost | $379 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Columbus, Mississippi
Recent Columbus, Mississippi car insurance prices for Buick, Honda, Chevrolet , and more.
*Quotes generated for Insurify users in and around Columbus, Mississippi within the last 10 days. Last updated on September 19, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Columbus, Mississippi within the last 10 days. Last updated on September 19, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Mississippi
Columbus drivers must carry liability insurance and always have proof of insurance in their vehicles. You can show proof of coverage with paper or electronic documents, as well as a picture taken with your cell phone.
A liability policy protects you financially — Mississippi follows a fault-based system, which makes you responsible for damages if you cause an accident.[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Liability insurance is the minimum requirement, but you can also add optional coverages to increase your financial protection. The Mississippi Insurance Department suggests adding these coverages:
Collision coverage
Collision insurance helps pay for repairs or vehicle replacement after an accident with another vehicle.
Comprehensive coverage
Comprehensive insurance protects your vehicle against non-collision incidents, such as theft, vandalism, natural disasters, and incidents with animals.
Medical payments coverage
Also known as MedPay, this coverage helps pay medical expenses for you and your passengers, regardless of who’s at fault for the accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage to pay for your damages.
Cheapest car insurance for drivers with an incident
Incidents typically refer to at-fault accidents, speeding tickets, DUIs, and other moving violations. Insurance companies view these incidents as indicators of risky behavior, which could result in future claims. It’s why you’ll likely see higher car insurance quotes if you have an incident on your record.
How much of an increase you see depends on your insurer and the incident type. But your rates might go up after an accident even if you’re not responsible for it.
Find Cheap Car Insurance in Columbus, MS
Monthly rates start at $44 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Finding cheap car insurance can be challenging for drivers with a speeding ticket. Speeding is a type of high-risk behavior that leads to higher premiums.[2] But comparing quotes from different companies can help you find the best deal.
Columbus drivers with a speeding ticket pay an average of $100 per month for liability-only insurance and $302 per month for full coverage. Here are the best quotes for drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Hugo | $47 | $62 |
| State Farm | $47 | $62 |
| Auto-Owners | $54 | $72 |
| Erie | $54 | $74 |
| GEICO | $59 | $79 |
| USAA | $61 | $81 |
| Safeco | $63 | $85 |
| American Family | $68 | $91 |
| Clearcover | $70 | $95 |
| Nationwide | $70 | $94 |
| Elephant | $71 | $102 |
| Progressive | $77 | $102 |
| The General | $87 | $117 |
| Commonwealth Casualty | $90 | $129 |
| Liberty Mutual | $92 | $132 |
| Dairyland | $94 | $126 |
| Direct Auto | $99 | $132 |
| National General | $103 | $138 |
| Allstate | $104 | $138 |
| CSAA | $108 | $147 |
| GAINSCO | $110 | $158 |
| Travelers | $111 | $149 |
| Farmers | $115 | $152 |
| Root | $134 | $190 |
| Bristol West | $138 | $184 |
| State Auto | $159 | $230 |
| Foremost | $169 | $243 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
At-fault accidents are another example of risky driving behavior. Your insurance company can increase your premiums if you’re in an accident, but insurers calculate risk differently. If you have an at-fault accident on your record, shopping around to compare quotes can help you find the cheapest coverage. A commitment to safer driving can help lower your rates down the road.
If you live in Columbus and have an at-fault accident on your driving record, you might pay around $103 per month for a liability-only policy and $309 per month for full coverage.
The table below shows the most affordable insurers for Columbus drivers with an at-fault accident.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Hugo | $47 | $69 |
| State Farm | $47 | $64 |
| Auto-Owners | $54 | $75 |
| Erie | $54 | $76 |
| GEICO | $59 | $81 |
| USAA | $61 | $84 |
| Safeco | $63 | $85 |
| American Family | $68 | $94 |
| Clearcover | $70 | $103 |
| Nationwide | $70 | $97 |
| Elephant | $71 | $96 |
| Progressive | $77 | $107 |
| The General | $87 | $122 |
| Commonwealth Casualty | $90 | $121 |
| Liberty Mutual | $92 | $136 |
| Dairyland | $94 | $129 |
| Direct Auto | $99 | $139 |
| National General | $103 | $143 |
| Allstate | $104 | $143 |
| CSAA | $108 | $155 |
| GAINSCO | $110 | $145 |
| Travelers | $111 | $154 |
| Farmers | $115 | $158 |
| Root | $134 | $197 |
| Bristol West | $138 | $189 |
| State Auto | $159 | $239 |
| Foremost | $169 | $249 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A driving under the influence (DUI) conviction on your record can lead to a substantial price hike, and some insurers may cancel your policy altogether. The Mississippi Driver Service Bureau can also revoke your license for 120 days after a first-time DUI offense and require you to file proof of insurance for three years.[3]
For Columbus drivers with a DUI, a liability-only policy costs $117 per month, on average. A full-coverage policy costs $352 per month, on average.
The insurers listed below offer the most affordable coverage for Columbus drivers with a DUI.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Hugo | $47 | $79 |
| State Farm | $47 | $79 |
| Auto-Owners | $54 | $90 |
| Erie | $54 | $90 |
| GEICO | $59 | $99 |
| USAA | $61 | $102 |
| Safeco | $63 | $105 |
| American Family | $68 | $114 |
| Clearcover | $70 | $117 |
| Nationwide | $70 | $117 |
| Elephant | $71 | $119 |
| Progressive | $77 | $129 |
| The General | $87 | $146 |
| Commonwealth Casualty | $90 | $151 |
| Liberty Mutual | $92 | $154 |
| Dairyland | $94 | $157 |
| Direct Auto | $99 | $166 |
| National General | $103 | $172 |
| Allstate | $104 | $174 |
| CSAA | $108 | $181 |
| GAINSCO | $110 | $184 |
| Travelers | $111 | $186 |
| Farmers | $115 | $192 |
| Root | $134 | $224 |
| Bristol West | $138 | $231 |
| State Auto | $159 | $266 |
| Foremost | $169 | $283 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
As you age, you’ll see fluctuations in car insurance rates for a number of reasons. Generally, your costs drop around age 25. But when you reach age 70, premiums may increase due to health conditions and medication side effects that could affect your driving skills.[4]
Senior drivers in Columbus pay a monthly average of $53 for minimum coverage and $161 for full auto coverage. Ask insurers about specialized coverage and discounts for older drivers to keep your rates low. You might consider taking a defensive driving course to qualify for discounts. Additionally, moving to a pay-per-mile policy could lower your costs if you don’t spend much time on the road.
The table below outlines the cheapest auto insurance companies for senior drivers in Columbus.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $60 | $33 |
| Erie | $68 | $37 |
| Auto-Owners | $71 | $39 |
| Elephant | $74 | $53 |
| GEICO | $78 | $43 |
| Safeco | $79 | $48 |
| USAA | $80 | $44 |
| Nationwide | $86 | $47 |
| American Family | $87 | $48 |
| Progressive | $90 | $50 |
| Clearcover | $91 | $53 |
| National General | $121 | $72 |
| Hugo | $124 | $34 |
| Direct Auto | $125 | $70 |
| Liberty Mutual | $129 | $70 |
| CSAA | $134 | $76 |
| The General | $136 | $65 |
| Allstate | $138 | $76 |
| Travelers | $145 | $79 |
| Farmers | $148 | $82 |
| Root | $156 | $102 |
| State Auto | $156 | $110 |
| Commonwealth Casualty | $162 | $65 |
| GAINSCO | $162 | $84 |
| Dairyland | $185 | $68 |
| Bristol West | $222 | $101 |
| Foremost | $274 | $122 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Car insurance rates for teenagers are higher than those for adults, primarily because of their lack of driving experience and higher risk of accidents. Teen drivers in Columbus pay $135 per month for a liability policy, on average, and $407 per month for a full-coverage policy.
But a few strategies can help young drivers qualify for cheaper car insurance rates:
Stay on a parent’s insurance policy.
Drive a car that has safety features.
Maintain good grades for a good student discount.
Complete an approved driver education course.
Drop full coverage on older cars.
Bundle home and auto insurance for a multi-policy discount.
To help you save time, here are the cheapest companies to buy teen car insurance from in Columbus:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $150 | $83 |
| Elephant | $169 | $120 |
| Erie | $172 | $94 |
| Auto-Owners | $173 | $95 |
| GEICO | $177 | $97 |
| USAA | $190 | $105 |
| Safeco | $211 | $129 |
| American Family | $218 | $122 |
| Nationwide | $226 | $125 |
| Clearcover | $237 | $138 |
| Progressive | $257 | $141 |
| Hugo | $291 | $79 |
| The General | $302 | $144 |
| Liberty Mutual | $309 | $168 |
| CSAA | $320 | $181 |
| Root | $322 | $210 |
| Direct Auto | $330 | $186 |
| Allstate | $342 | $189 |
| National General | $352 | $209 |
| Travelers | $377 | $206 |
| Farmers | $378 | $208 |
| GAINSCO | $380 | $198 |
| Commonwealth Casualty | $403 | $162 |
| State Auto | $414 | $291 |
| Dairyland | $431 | $159 |
| Bristol West | $531 | $241 |
| Foremost | $695 | $310 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Columbus car insurance quotes by credit tier
Insurance companies often look at your credit history before giving you an auto insurance quote, according to the Mississippi Insurance Department. It suggests checking your credit history once a year to check for errors and improving your credit if it’s driving up your premiums.[5]
Reviewing your credit history can lead to substantial savings. On average, Columbus drivers with poor credit pay almost twice as much as drivers with excellent or good credit. The chart below shows the average cost of Columbus car insurance according to a driver’s credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Columbus?
Columbus car insurance is generally more affordable than the national average. Columbus drivers pay $143 per month, while the average cost in the U.S. is $158.
Keep in mind that rates can vary depending on your ZIP code within the city due to differences in population density, crime rates, and the number of accidents.
More cities in Mississippi
Auto insurance rates in Columbus are generally among the cheapest in the state. On average, Columbus drivers pay $71 per month for liability-only car insurance and $214 per month for full coverage.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Hattiesburg | $228 | $84 |
| Jackson | $244 | $90 |
| Madison | $213 | $79 |
| Meridian | $201 | $73 |
| Oxford | $184 | $71 |
| Southaven | $256 | $87 |
| Tupelo | $189 | $73 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Columbus, Mississippi, car insurance FAQs
If you’re shopping for car insurance in Columbus, Mississippi, this additional information may help as you research your coverage options.
How much is car insurance in Columbus, Mississippi?
Car insurance in Columbus costs an average of $71 per month for liability-only coverage and $214 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Columbus, Mississippi?
At $35 per month for liability coverage, State Farm has the cheapest car insurance in Columbus. But drivers can also find savings with USAA and Safeco, which have liability-only rates of $36 and $55, respectively.
The cheapest company for you will depend on a variety of factors, including your age, gender, ZIP code, driving history, and more.
What are the best car insurance companies in Columbus?
National General, Progressive, and State Auto are some of the best car insurance companies in Columbus. They all have low rates, strong financial strength ratings from AM Best, and multiple discounts to help policyholders save.
How do you find affordable car insurance rates in Columbus, Mississippi?
The best way to find affordable car insurance rates, regardless of the city you live in, is to compare quotes from at least three different insurance companies. Each company uses different criteria to evaluate drivers and set rates, so the cheapest company for one person might not be the most affordable insurer for you.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Mississippi
Sources
- Mississippi Insurance Department. "Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Mississippi Department of Public Safety. "DUI Department."
- National Institute on Aging. "Safe Driving for Older Adults."
- Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
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