120+ more*Quotes generated for Insurify users in and around Columbus, Mississippi within the last 10 days. Last updated on October 28, 2026. 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 October 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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
The average cost of car insurance in Columbus, Mississippi, is $66 per month for state-minimum coverage and $130 for full coverage. These rates are lower than average costs in Mississippi cities like Jackson, but nearly identical to nearby Tupelo’s average rates.
Columbus’ lower population may in part explain its cheap average rates. Nearly 23,000 people live in Columbus, compared to more than 141,000 in Jackson.[1]
Though both cities have similar daily one-way commute times of between 19 and 20 minutes, Columbus’ smaller population can lead to lower car insurance rates. Fewer drivers on the road creates a lower risk of car accidents.
Drivers must carry Mississippi’s minimum amount of car insurance to drive in the state. Mississippi drivers need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability.[2]
Agent Tip: What’s the penalty for uninsured driving in Mississippi?
“Make sure you maintain at least the state’s minimum liability coverage. If you’re an uninsured driver in Mississippi, you risk facing a criminal misdemeanor citation and a fine between $300 and $500. Do what you can to avoid any car insurance lapses.”
){kind=small}
Drivers in Columbus pay a bit less, on average, than the Mississippi average cost of auto coverage. State Farm offers the cheapest rates for liability insurance in Columbus.
The following table shows the cheapest rates for liability-only auto insurance in Columbus, Mississippi.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| USAA | $33 |
| Progressive | $38 |
| Bristol West | $48 |
| Direct Auto | $48 |
| National General | $48 |
| Allstate | $50 |
| GEICO | $56 |
| The General | $62 |
| Travelers | $63 |
| Trexis One | $64 |
| Safeco | $65 |
| First Acceptance | $67 |
| Mendota | $67 |
| GAINSCO | $69 |
| Root | $70 |
| Shelter | $81 |
| Liberty Mutual | $101 |
| Dairyland | $105 |
| Hugo | $105 |
Liability quotes start at $33/mo.
Columbus drivers pay an average monthly rate of $130 for full-coverage car insurance, which is lower than the average rates in many other Mississippi cities. Legally, you only need to meet the minimum liability requirements in Mississippi. But Columbus experiences severe storms and tornadoes, which can damage your vehicle even when you’re not driving.
Full coverage includes comprehensive coverage, which helps protect your car from damage caused by hail, flooding, or falling trees.
The following table shows the cheapest rates for full-coverage car insurance in Columbus, Mississippi.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $62 |
| USAA | $63 |
| National General | $84 |
| Progressive | $90 |
| Allstate | $93 |
| Safeco | $94 |
| Direct Auto | $95 |
| Root | $107 |
| GEICO | $109 |
| Travelers | $121 |
| Bristol West | $122 |
| Mendota | $152 |
| Shelter | $156 |
| Trexis One | $158 |
| Liberty Mutual | $164 |
| First Acceptance | $170 |
| GAINSCO | $171 |
| The General | $236 |
| Dairyland | $261 |
On average, Columbus and Tupelo are the cheapest Mississippi cities for car insurance, while Jackson is the most expensive. Columbus is in Lowndes County, which saw its vehicle theft rate fall 40% from 2024 to 2025, with just 26 vehicle thefts during the first half of 2025.
In comparison, nearby Meridian is in Lauderdale County, which saw its theft rates drop just 9% in 2025.
The following table shows the average monthly cost of car insurance for different cities in Mississippi.
City | Average Monthly Quote |
|---|---|
| Tupelo | $99 |
| Meridian | $104 |
| Oxford | $108 |
| Hattiesburg | $115 |
| Madison | $117 |
| Olive Branch | $117 |
| Southaven | $119 |
| Jackson | $128 |
*Quotes generated for Insurify users in and around Columbus, Mississippi within the last 10 days. Last updated on October 28, 2026. 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 October 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record has a significant effect on your car insurance rates. Here are the cheapest car insurance companies for people with different driving histories in Columbus:
Cheapest car insurance for Columbus drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Columbus: State Farm
Cheapest car insurance for Columbus drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Columbus: State Farm
In Columbus, about 5% of drivers have a speeding ticket, 3% have an at-fault accident, and 1% have a driving under the influence (DUI) conviction on their record, according to Insurify data. Columbus’ rate of at-fault accidents is significantly lower than that of any other Mississippi city.
The following table shows average monthly quotes for Columbus drivers with different violations on their driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $98 |
| Speeding ticket | $120 |
| At-fault accident | $129 |
| DUI | $124 |
Here are some of the biggest factors to be aware of when driving in Columbus:
Severe weather: Columbus experiences severe weather, including thunderstorms and tornadoes. In 2019, an EF3 tornado hit Columbus, causing 10 miles of damage with estimated maximum wind speeds of 137 mph.[3] Lowndes County maintains a list of six local tornado shelters on its website.[4]
Flooding: Columbus is on the banks of the Tombigbee River, which puts the city at risk of flooding. It’s a good idea to check local conditions before driving on low-lying roads during heavy rainfall.
Seasonal traffic: The Market Street Festival is one of Columbus’ most popular events and brings in thousands of visitors each May. If you plan to travel downtown during this event, you may experience heavier traffic and more difficulty parking.
In Columbus, traffic delays can occur at the intersection of U.S. Route 82 and U.S. Route 45, especially during rush hour. But overall, Columbus, Mississippi, doesn’t have much traffic congestion.
The average commute in Columbus is just 19 minutes, which is lower than the national average of 27 minutes. Lighter traffic overall may help limit collision claims, but insurance companies consider multiple factors when setting insurance rates.
Teen drivers pay an average of $179 per month for car insurance. In Columbus, State Farm offers the cheapest coverage for teen drivers.
In Mississippi, teens can apply for a learner’s permit once they turn 15 and must have the permit for at least one year before obtaining their driver’s license.[5]
The following table shows the cheapest rates for teenage drivers in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $60 |
| State Farm | $63 |
| Progressive | $69 |
| Bristol West | $84 |
| Allstate | $91 |
| Direct Auto | $93 |
| National General | $94 |
| GEICO | $101 |
| Root | $105 |
| The General | $111 |
| Trexis One | $117 |
| GAINSCO | $120 |
| First Acceptance | $122 |
| Mendota | $122 |
| Travelers | $130 |
| Safeco | $132 |
| Shelter | $159 |
| Liberty Mutual | $176 |
| Dairyland | $180 |
| Hugo | $191 |
Insurify partners with 120+ auto insurers for real quotes
Senior drivers already pay low average car insurance rates, but they may be able to save even more by switching to State Farm. In Columbus, about 21% of residents are 65 or older.
The following data shows the cheapest rates for senior drivers in Columbus.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $26 |
| USAA | $27 |
| Progressive | $34 |
| National General | $38 |
| Direct Auto | $40 |
| Bristol West | $40 |
| Allstate | $44 |
| GEICO | $45 |
| Travelers | $51 |
| The General | $53 |
| Trexis One | $57 |
| Safeco | $57 |
| Shelter | $59 |
| First Acceptance | $59 |
| Mendota | $59 |
| GAINSCO | $60 |
| Root | $65 |
| Liberty Mutual | $85 |
| Dairyland | $90 |
| Hugo | $93 |
Knowing Mississippi’s car insurance requirements and the cheapest average insurers can help you find the best car insurance in Columbus at an affordable price.
State Farm has the most affordable car insurance in Columbus, with an average monthly rate of $33. But your exact rate can vary depending on your deductible, driving history, and vehicle type.
State Farm is the cheapest company for full-coverage car insurance in Mississippi, with an average monthly rate of $62. But it’s still important to shop around and compare multiple car insurance quotes.
Mississippi requires all drivers to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability coverage. But you may want to consider full coverage, which includes comprehensive and collision coverage.
When you’re comparing car insurance quotes in Columbus, ask about vehicle safety, safe driving, and bundling discounts. Good student discounts can also help teen drivers save on car insurance.
Insurance companies may consider your age, driving record, credit history, ZIP code, and coverage limits when evaluating you for car insurance.
Insurify data scientists analyzed more than 250 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 500+ 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:
)
)
)
)
)
)
)
)
)
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
