Best Cheap Auto Insurance in Columbus, Mississippi (2024)

State Farm, USAA, and Allstate are the cheapest car insurance companies in Columbus.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
  • 3+ years writing about auto, home, and life insurance

  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxManaging Editor
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  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Updated February 29, 2024 at 11:00 AM PST

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Drivers in Columbus, Mississippi, pay an overall average of $122 per month, or $1,464 per year, for car insurance, which is much less than the national average.

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. However, living in this bustling city also means taking care of practical matters, such as car insurance.

Here’s what you should know about the best rates and companies for auto coverage, whether your driving history is squeaky clean or has a few bumps.

Quick Facts
  • Columbus drivers with poor credit pay twice as much for car insurance.

  • Premiums in Columbus are generally more affordable than the national average.

  • Mississippi requires drivers to file proof of auto insurance after a DUI.

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Best car insurance companies in Columbus

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. However, the right insurer depends on your situation and needs. Factors such as your driving history, coverage preferences, and budget all play a role in determining the best insurer for you.

Best insurer for drivers under 25: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$54/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.
$109/mo

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
  • 5 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

Help lower my cost.

Reine - December 4, 2023
Verified

Excellent customer service.

Cheryl - December 3, 2023
Verified

Best overall insurance cost with options to easily change as needed.

Jeffrey - December 3, 2023
Verified
Read our Progressive review

Best insurer for drivers with a DUI: National General

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$62/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.
$159/mo

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

Low prices.

Chad - November 18, 2023
Verified

Horrible service and does not appreciate customer loyalty.

Tiffany - October 31, 2023
Verified

Good insurance. Always on time.

Silvio A - October 16, 2023
Verified
Read our National General review

Best insurer for senior drivers: State Auto

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
A.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-
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.
$169/mo

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
  • 6 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

Their customer service is horrible and slow, and they cost us hundreds of dollars extra in added rental car fees for their delays.

Brandon - June 22, 2023
Verified

No problems

Dave - April 12, 2022
Verified

Received a rate increase without notice on renewal

Lynnette - February 2, 2021
Verified
Read our State Auto review

Cheapest liability-only car insurance in Columbus

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 insurance in Columbus costs $68 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Mile Auto47
State Farm48
Hugo49
Erie55
Auto-Owners57
Safeco57
GEICO61
USAA61
Clearcover64
American Family69
Midvale Home & Auto70
Elephant71
Nationwide71
Progressive79
Commonwealth Casualty85
Liberty Mutual90
National General92
The General93
GAINSCO98
Dairyland101
Allstate106
Direct Auto107
State Auto112
CSAA113
Travelers114
Farmers118
Bristol West160
Foremost167
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

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 those 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.

Columbus drivers pay an average of $176 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Mile Auto70
State Farm87
Clearcover101
Elephant101
Auto-Owners102
Erie102
Safeco103
GEICO111
USAA113
Nationwide114
Midvale Home & Auto120
American Family125
Hugo136
Progressive144
Travelers151
Direct Auto165
Liberty Mutual165
GAINSCO181
National General186
The General191
Allstate192
CSAA198
Commonwealth Casualty198
Farmers214
State Auto226
Dairyland258
Bristol West316
Foremost328
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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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]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance helps pay for repairs or vehicle replacement after an accident with another vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects your vehicle against non-collision incidents, such as theft, vandalism, natural disasters, and incidents with animals.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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. However, your rates might go up after an accident even if you’re not responsible for it.

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Cheapest car insurance for drivers with a speeding ticket

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 $108 per month for liability-only insurance. Here are the best quotes for drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto10772
State Farm11262
Elephant13394
Auto-Owners13777
Clearcover14189
Erie14578
GEICO14580
Safeco14580
USAA14780
Nationwide15094
American Family16691
Hugo19570
Progressive196107
Travelers200151
Direct Auto225146
GAINSCO231125
Liberty Mutual232126
National General244121
Allstate250138
Commonwealth Casualty252108
The General257125
CSAA268153
Farmers280154
State Auto318158
Dairyland348136
Bristol West419212
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

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 can expect to pay around $109 per month for a liability-only policy.

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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto11275
State Farm11765
Elephant13998
Auto-Owners14179
Erie14981
GEICO15283
Safeco15485
USAA15483
Nationwide15798
Clearcover169107
American Family17295
Hugo18667
Progressive205112
Travelers209158
Direct Auto235153
Liberty Mutual242132
GAINSCO243132
National General258128
Allstate262145
The General270131
Commonwealth Casualty272117
CSAA285162
Farmers292161
State Auto338167
Dairyland360141
Bristol West430218
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

A DUI 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 driving under the influence offense and require you to file proof of insurance for three years.[3]

For Columbus drivers with a DUI, a liability-only policy costs $123 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto11476
State Farm14278
Erie14980
Clearcover164104
Elephant164115
Auto-Owners16693
Safeco16893
GEICO18199
USAA18499
Nationwide185115
American Family203112
Hugo21276
Progressive234128
Direct Auto242157
Travelers246185
Liberty Mutual268146
Commonwealth Casualty291125
GAINSCO294159
National General303150
The General311151
Allstate312172
CSAA322184
Farmers348192
State Auto368182
Dairyland420164
Bristol West514260
Foremost533272
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

As you age, you’ll see fluctuations in car insurance rates for a number of reasons. Generally, your costs drop around age 35. But when you reach age 75, 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 $47 for minimum 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto3825
State Farm4022
Erie4625
Auto-Owners5028
Nationwide5132
Elephant5337
GEICO5631
Progressive5832
USAA5932
American Family6033
Safeco6435
Clearcover7749
Travelers7758
Direct Auto8454
Liberty Mutual8748
Allstate10055
Farmers10558
GAINSCO10859
National General11557
Commonwealth Casualty11650
The General11656
Dairyland14557
Bristol West17186
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

Car insurance rates for teenagers tend to be higher than those for adults, primarily because of their lack of driving experience and higher risk of accidents. Teen drivers in Columbus pay $155 per month for a liability policy, on average.

However, 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.

  • 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: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Mile Auto13188
State Farm14681
Elephant164116
Auto-Owners16794
GEICO17294
Clearcover178113
Safeco181100
Erie18399
USAA18399
Nationwide191119
American Family209115
Hugo24086
Progressive253139
Travelers268202
Liberty Mutual276150
Direct Auto296192
The General299146
GAINSCO321174
CSAA324185
Allstate331183
Commonwealth Casualty343147
National General348172
Farmers366202
State Auto398197
Dairyland411161
Bristol West516261
Foremost578294
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.

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.

  • 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.

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Columbus car insurance quotes by credit tier

Insurance companies often look at your credit score 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 score if it’s driving up your premiums.[5]

Reviewing your credit history can lead to substantial savings. On average, Columbus drivers with poor credit scores pay almost twice as much as drivers with excellent or good credit scores. The chart below shows the average cost of Columbus car insurance according to a driver’s credit rating.

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 $122 per month, while the average cost in the U.S. is $139. 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.

For instance, Gulfport, Mississippi, offers drivers rates that are 5% lower than Columbus, while Biloxi drivers pay 6% more.

More cities in Mississippi

When comparing car insurance costs to other cities in Mississippi, you’ll find that Brandon offers the lowest rates. With an average full-coverage rate of $130, it’s 22% cheaper than Columbus. On the other hand, it’s only 2% cheaper to insure a vehicle in Jackson than in Columbus.

CityAverage Monthly QuoteCompared to Columbus
Biloxi$1766%
Brandon$130-22%
Gulfport$158-5%
Hattiesburg$81-8%
Jackson$87-2%
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, MS, costs an average of $68 per month for liability-only coverage and $176 per month for full coverage, according to Insurify data.

  • Who has the cheapest car insurance in Columbus, MS?

    At $33 per month for liability coverage, State Farm has the cheapest car insurance in Columbus. But drivers can also find savings with USAA and Allstate, which have liability-only rates of $34 and $53, 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, MS?

    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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Mississippi Insurance Department. "Auto Insurance." Accessed August 29, 2023
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed August 29, 2023
  3. Mississippi Driver Service Bureau. "DUI Department." Accessed August 29, 2023
  4. National Institute on Aging. "Safe Driving for Older Adults." Accessed August 29, 2023
  5. Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?." Accessed August 29, 2023
Amy Beardsley
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.

Ashley Cox
Edited byAshley CoxManaging Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxManaging Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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