Cheapest Auto Insurance in Columbus, Mississippi (2024)

State Farm offers the cheapest car insurance in Columbus, with minimum-coverage policies as low as $34 per month.

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 CoxSenior Managing 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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Updated June 20, 2024

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Cheapest recent rates near Columbus, Mississippi

Recent Columbus, Mississippi car insurance prices for Pontiac, GMC, Ford , and more.

*Quotes generated for Insurify users in and around Columbus, Mississippi within the last 10 days. Last updated on June 20, 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 June 20, 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 June 20, 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Columbus, Mississippi, pay an overall average of $131 per month, or $1,571 per year, for car insurance, which is less than the national average of $160.

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 $2,299 per year for full-coverage car insurance.

  • Liability-only policies in Columbus cost an average of $70 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
Progressive8.4$117$59Drivers younger than 25
National General6.8$130$65Drivers with a DUI
State Auto8.5$71$36Senior 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-5 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

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.
4.2
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.
$56/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.
$110/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
  • 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

Read our Progressive review
Kay - June 20, 2024
Verified

Want a Premium I Can Afford

It's just too expensive. I'm 62 and have had one accident, which was not my fault. It's just ridiculous.

Jeanne - June 19, 2024
Verified

Unexplained Rate Increase

They couldn't or wouldn't explain why my renters insurance increased by $56.00 from last year. This seems like a significant increase. One representative mentioned it's due to an increase in pipe bursts in my town. I find this hard to believe. My pipes didn't break and there were no reports of pipe bursts in my complex. Moreover, it wasn't particularly cold here this winter. This seems like a poor excuse to me!

Gary - June 19, 2024
Verified

Progressive's Claim Handling Experience

My experience with Progressive started off well. However, things took a turn after a couple of accidents. The first accident happened in Colorado when a car jumped into my lane from a stopped lane in heavy traffic. Despite slamming on my brakes, I still hit the other vehicle, which sped away from the scene. I filed a claim and was told I was not at fault. I paid my deductible and the repairs were made at the facility chosen by the insurance company. The second accident occurred 16 months later in Bismarck, ND, where I slid into a large embankment of ice and snow, damaging the left front bumper and fender. I filed a claim and was told I was at fault. I went to a different body shop for an estimate, and got the work scheduled. However, due to parts issues and work conditions, the repairs were delayed for approximately 4 months. Four days before the scheduled repairs, I noticed 3 unique dents in the front edge of the hood of my van. An estimator working for the insurance company told the auto body shop that a new claim had to be filed, which I did. This is when I started having trouble with the claims adjusters. I spoke to multiple adjusters, gave several recorded statements and received contradictory responses. After two months of fighting, they agreed to cover the repairs after I paid my deductible. However, I recently learned that the insurance company has altered its records and now claim each incident was my fault. I am currently considering my options.

Best insurer for drivers with a DUI: National General

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.
3.4
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.
$61/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

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

Read our National General review
Marian - June 19, 2024
Verified

Too Expensive

Honestly, I wouldn't recommend them to my friends. They quoted me a price that was over $400 for basic coverage. That could have been full coverage. They mentioned a discount, but the truth is, they didn't even apply it during the first month. It was a very bad experience.

Timothy - June 17, 2024
Verified

Too expensive

Too expensive

Willie - June 17, 2024
Verified

Poor

I'm not sure, but the policy isn't functioning correctly due to their authoritarian and unsafe decisions, which are their own mistakes.

Best insurer for senior drivers: State Auto

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.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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-
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.
$171/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
  • 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

Read our State Auto review
Brandon - June 22, 2023
Verified

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

Average

Rate increase without notice upon renewal.

Barbara - March 17, 2019
Verified

Excellent

The rates for the auto coverage we get are reasonable.

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.

Find Cheap Car Insurance in Columbus

Liability rates start at $34 per month

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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 insurance in Columbus costs $70 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo$47
State Farm$47
Auto-Owners$55
Erie$55
GEICO$60
Safeco$60
USAA$61
American Family$68
Midvale Home & Auto$68
Clearcover$69
Elephant$71
Nationwide$71
Progressive$78
Commonwealth Casualty$89
Liberty Mutual$89
The General$90
National General$93
Dairyland$95
Direct Auto$103
Allstate$105
GAINSCO$106
CSAA$110
Travelers$113
Farmers$116
State Auto$130
Root$135
Bristol West$149
Foremost$167
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.

Columbus drivers pay an average of $192 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$86
Safeco$100
Auto-Owners$101
Elephant$101
Erie$101
GEICO$111
Clearcover$112
USAA$112
Midvale Home & Auto$121
American Family$125
Nationwide$129
Progressive$144
Hugo$152
Liberty Mutual$166
National General$174
Direct Auto$183
Allstate$191
The General$191
CSAA$197
GAINSCO$197
Root$207
Travelers$207
Farmers$213
Commonwealth Casualty$214
State Auto$229
Dairyland$254
Bristol West$315
Foremost$364
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 Pontiac, Jeep, Toyota , and more.

*Quotes generated for Insurify users in and around Columbus, Mississippi within the last 10 days. Last updated on June 20, 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 June 20, 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 June 20, 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 June 20, 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]

CoverageMinimum 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:

  • 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. 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

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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 $105 per month for liability-only insurance and $287 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo$47$66
State Farm$47$62
Auto-Owners$55$73
Erie$55$75
GEICO$60$80
Safeco$60$81
USAA$61$81
American Family$68$90
Midvale Home & Auto$68$94
Clearcover$69$93
Elephant$71$104
Nationwide$71$95
Progressive$78$104
Commonwealth Casualty$89$130
Liberty Mutual$89$130
The General$90$121
National General$93$123
Dairyland$95$127
Direct Auto$103$138
Allstate$105$139
GAINSCO$106$155
CSAA$110$150
Travelers$113$151
Farmers$116$153
State Auto$130$187
Root$135$191
Bristol West$149$197
Foremost$167$244
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 $110 per month for a liability-only policy and $302 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo$47$63
State Farm$47$65
Auto-Owners$55$76
Erie$55$77
GEICO$60$83
Safeco$60$81
USAA$61$84
American Family$68$94
Midvale Home & Auto$68$99
Clearcover$69$101
Elephant$71$96
Nationwide$71$99
Progressive$78$110
Commonwealth Casualty$89$121
Liberty Mutual$89$134
The General$90$127
National General$93$129
Dairyland$95$131
Direct Auto$103$145
Allstate$105$145
GAINSCO$106$141
CSAA$110$159
Travelers$113$157
Farmers$116$159
State Auto$130$197
Root$135$198
Bristol West$149$203
Foremost$167$251
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 $124 per month, on average. A full-coverage policy costs $340 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo$47$80
State Farm$47$80
Auto-Owners$55$94
Erie$55$94
GEICO$60$102
Safeco$60$102
USAA$61$104
American Family$68$116
Midvale Home & Auto$68$116
Clearcover$69$118
Elephant$71$121
Nationwide$71$121
Progressive$78$133
Commonwealth Casualty$89$152
Liberty Mutual$89$152
The General$90$153
National General$93$158
Dairyland$95$162
Direct Auto$103$176
Allstate$105$179
GAINSCO$106$181
CSAA$110$187
Travelers$113$193
Farmers$116$198
State Auto$130$222
Root$135$230
Bristol West$149$254
Foremost$167$285
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 35. 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 $145 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$60$33
Erie$67$37
Auto-Owners$71$39
Elephant$72$51
Safeco$73$44
GEICO$80$43
Clearcover$81$50
USAA$81$44
Midvale Home & Auto$83$47
Nationwide$86$48
American Family$87$48
Progressive$92$50
Hugo$97$30
Liberty Mutual$120$64
National General$123$66
Direct Auto$127$72
Allstate$138$76
CSAA$138$77
The General$141$66
Travelers$146$80
GAINSCO$147$79
Farmers$149$81
Commonwealth Casualty$153$64
Root$154$100
State Auto$158$90
Dairyland$183$68
Bristol West$227$108
Foremost$256$117
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 $147 per month for a liability policy, on average, and $404 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.

  • 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm$145$79
Elephant$166$116
Erie$169$92
Auto-Owners$172$94
GEICO$174$94
USAA$185$101
Safeco$207$124
Midvale Home & Auto$208$117
Clearcover$216$133
American Family$217$118
Nationwide$219$121
Progressive$258$140
Hugo$263$81
Liberty Mutual$304$163
The General$307$144
Root$314$205
CSAA$321$179
National General$331$177
Direct Auto$332$187
Allstate$333$183
GAINSCO$348$187
Travelers$370$202
Farmers$373$203
Commonwealth Casualty$376$156
State Auto$404$229
Dairyland$422$158
Bristol West$533$252
Foremost$642$295
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 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 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 $131 per month, while the average cost in the U.S. is $160.

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 $70 per month for liability-only car insurance and $192 per month for full coverage.

CityFull CoverageLiability Only
Hattiesburg$212$84
Jackson$240$90
Madison$205$79
Meridian$197$71
Oxford$170$67
Southaven$237$89
Tupelo$189$74
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 $70 per month for liability-only coverage and $192 per month for full coverage, according to Insurify data.

  • Which companies have the cheapest car insurance in Columbus, Mississippi?

    At $34 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 $35 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, 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
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."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Mississippi Department of Public Safety. "DUI Department."
  4. National Institute on Aging. "Safe Driving for Older Adults."
  5. Mississippi Insurance Department. "Credit Scoring: How Does It Affect You?."
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 CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing 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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