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Cheap Auto Insurance Quotes in Columbus, MS (January 2022)

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Last Updated: January 2022
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Car Insurance in Columbus, MS

The average cost of Mississippi car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Columbus, MS to find you the cheapest quotes in the area.
$69
$72
$125
$139
$173
State FarmAllstateProgressiveTravelersThe General

Cheapest Car Insurance in Columbus, MS

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$154
$139
$179
$148
$176
$128
MississippiJacksonGulfportSouthavenHattiesburgColumbus
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Columbus, MS Driving Facts

mississippi

Minimum Car Insurance Requirements in MS

The state of Mississippi requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Mississippi are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident 

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Mississippi state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

  • $25,000 property damage liability per accident

Property damage liabilitry coverage pays for any property that you damage in an accident. The state of Mississippi requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

Insurify Insights: How Columbus Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Columbus, MS
suspended licenses
#29
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Columbus drivers measure up to their fellow Mississippi motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Columbus

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Columbus drivers rank 6 in the number of car accidents per driver across all cities in Mississippi.

  • Rank within state: #6
  • Percent of drivers in Columbus with an accident: 9.32%
  • Drivers in Columbus, MS with an accident in their driving history paid on average 70.18% more than drivers with a clean record

Speeding in Columbus

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Mississippi, Columbus drivers rank 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in Columbus with a speeding ticket: 11.58%
  • Drivers in Columbus, MS with a speeding ticket in their driving history paid on average 16.96% more than drivers with a clean record

DUI/DWIs in Columbus

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Columbus drivers rank 19 in the number of DUI’s per driver across all cities in Mississippi.

  • Rank within state: #19
  • Percent of drivers in Columbus with a DUI: 0.28%
  • Drivers in Columbus, MS with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Columbus

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Columbus is the Honda Accord.

Hybrid/Electric Vehicle Ownership in Columbus

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Columbus drivers rank 3 in hybrid and electric vehicle ownership across all cities in Mississippi.

  • Rank within state: #3
  • Percent of drivers in Columbus with a hybrid/electric vehicle: 0.84%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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