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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.
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Car insurance in Oxford, Mississippi, costs an average of $65 per month for liability-only coverage and $167 per month for full coverage. This is on par with the statewide costs of $74 for liability coverage and $192 for full coverage.
Oxford’s smaller population size of 26,437 probably contributes to its lower car insurance costs. But this college town — home to the University of Mississippi — has lots of students on the roads, which could result in higher insurance premiums for some drivers. Here’s how to find the lowest car insurance rates possible in Oxford.
Quick Facts
State Farm, USAA, and Safeco are the three cheapest car insurance companies in Oxford.
Mississippi law allows car insurance companies to use customers’ credit information to help establish rates.
Car insurance in Mississippi is more affordable than the national average and lower than in many other cities in the Magnolia State.
Best car insurance companies in Oxford
The following table offers you an overview of the leading insurance companies in Oxford to help you find a company that best aligns with your budgetary needs. While you may ultimately choose a different insurer, starting your search with these three can be beneficial.
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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855
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.
$31/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.
$61/mo
State Farm is one of the top companies for auto insurance in Oxford, offering competitive rates and comprehensive coverage. State Farm’s rates continually rank among the lowest in Oxford.
Pros
Low rates with discounts available
Personalized service from a network of local agents
Cons
Can’t buy a policy online
Poor ratings on the Better Business Bureau’s website
Craig - March 26, 2024
Verified
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
David - March 26, 2024
Verified
Considering Expanding Coverage
I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.
Beverly - March 26, 2024
Verified
Unsatisfactory Experience
A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886
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.
$32/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.
$63/mo
USAA offers insurance, as well as a variety of financial products for veterans, military members, and their families. If you’re eligible for USAA auto insurance, you can enjoy highly rated customer service and military-centric perks.
Pros
Robust mobile app for paying premiums, accessing ID cards, and reporting claims
Offers bundling discounts
Cons
Only available to active military, veterans, and their families
Usage-based insurance not available in Mississippi
Roy - March 21, 2024
Verified
My Review
USAA is the best.
Gary - March 18, 2024
Verified
Poor
Too darn high.
Gabrielle - March 16, 2024
Verified
Just Don't! Save Yourself!
Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
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.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
839
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.
$113/mo
Travelers offers a variety of insurance products for people and businesses throughout most states in the U.S. and Washington, D.C. While rates from Travelers can be higher than some competitors, the company offers several discounts that can help you lower your premiums.
Pros
Coverage available if you drive frequently but don’t own a car
May qualify for a discount if you own a home or condo, even if your homeowner’s insurance is with another company
Cons
No rideshare insurance in Mississippi
Bundling discount is low compared to other insurance companies
Jeffrey - March 23, 2024
Verified
Excellent
Fast.
Lisa - March 14, 2024
Verified
Long-term customer with minor rate reduction
The premium is too much for what I need.
Abbas Ali - March 12, 2024
Verified
Hiding the Facts
They require you to install the telematics app on your phone to monitor your driving for 90 days, after which I was supposed to receive up to a 20% discount. I scored very high and was told the discount would be applied when I renew next year. This was absolutely untrue.
Liability car insurance pays for the other party’s medical bills and property damage in an accident you cause. However, it doesn’t cover damage to your vehicle or your medical costs if you’re injured. As such, liability-only coverage is generally the most affordable. But liability insurance doesn't pay for damages to your vehicle in an at-fault accident, so you need to carefully consider your ability to cover potential out-of-pocket costs.
This table shows average monthly quotes for liability-only coverage from the top insurers in Oxford.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
31
USAA
32
Safeco
49
Allstate
50
GAINSCO
50
Progressive
51
Nationwide
52
GEICO
53
National General
57
Travelers
61
Shelter
78
Clearcover
81
Direct Auto
82
Liberty Mutual
82
Foremost
86
Dairyland
91
Midvale Home & Auto
91
Bristol West
100
The General
118
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 Oxford
Full-coverage car insurance combines liability insurance with comprehensive and collision coverages, so it's more expensive than minimum coverage. Comprehensive insurance covers damages to your car caused by incidents other than collisions, such as fire, theft, vandalism, and natural disasters. Collision insurance covers your car’s repair or replacement if it’s damaged in an accident with another vehicle or an object.[1]
This table shows the cheapest full-coverage car insurance quotes in Oxford.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
61
USAA
63
Safeco
98
Allstate
100
Progressive
101
GEICO
106
Nationwide
108
Travelers
113
Clearcover
135
National General
138
GAINSCO
143
State Auto
152
Shelter
155
Midvale Home & Auto
164
Liberty Mutual
167
Direct Auto
171
Bristol West
209
Foremost
215
The General
220
Dairyland
221
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.
Car insurance requirements in Mississippi
To drive legally in Mississippi, you must have liability coverage that meets the following minimum requirements:[2]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person and $50,000 per accident
Property damage liability
$25,000 per accident
The coverage amounts above meet the minimum requirements in Mississippi. But if you want protection that goes above the minimum, you may consider adding one or more of the following optional coverages:
Collision coverage
Collision coverage reimburses you for damage to your own vehicle due to a collision with another vehicle or object.
Comprehensive coverage
Comprehensive insurance reimburses you for theft or damage to your car due to events other than a collision, such as fire, vandalism, or hail.
Medical payments coverage
This coverage provides reimbursement for medical expenses for injuries to you or your passengers involved in an accident.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage protects you if you’re hit by a driver without insurance or by a hit-and-run driver. Underinsured motorist coverage helps when the other driver doesn’t have high enough limits to cover your bodily injury or property damage.
Glass coverage
This coverage pays to repair or replace your windshield, windows, and sunroof with no deductible.
Gap coverage
This pays the difference between the fair market value of your vehicle and what you owe on your auto loan if it’s stolen or totaled in an accident.
Cheapest car insurance for drivers with an incident
In the context of car insurance, an incident refers to events such as speeding tickets, at-fault car accidents, driving under the influence (DUI), and other moving violations. Incidents typically result in higher car insurance premiums because insurers view drivers with incidents on their records as more likely to make a claim in the future.
In the sections that follow, you’ll see how different incident types can affect your insurance premiums.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
A speeding ticket on your record may raise your rates, but the good news is they’ll likely go down once the ticket is off your record. Oxford drivers with a speeding ticket pay $103 per month for liability-only insurance and $263 for full coverage, on average.
The table below provides an overview of the car insurance companies in Oxford that offer the most affordable monthly quotes for drivers with a speeding ticket.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
82
42
USAA
86
44
Allstate
136
68
Progressive
143
72
GEICO
144
72
Safeco
145
73
Nationwide
148
71
Travelers
156
84
National General
189
78
GAINSCO
190
66
Clearcover
198
119
Shelter
231
116
Direct Auto
240
115
Liberty Mutual
244
120
Bristol West
289
138
The General
309
166
Dairyland
310
128
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
If you have an at-fault accident on your driving record, insurance companies might view you as a high-risk driver, which could result in increased premiums. If you live in Oxford and have an at-fault accident on your record, you’ll pay an average of $104 per month for a minimum-coverage policy, and $266 for full coverage.
The table below provides an overview of the car insurance companies that offer the most competitive monthly quotes for drivers with an at-fault accident.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
85
43
USAA
89
45
Allstate
141
71
Progressive
148
75
GEICO
150
75
Safeco
151
76
Nationwide
154
74
Travelers
161
87
National General
198
82
GAINSCO
199
69
Clearcover
224
134
Shelter
238
120
Direct Auto
250
120
Liberty Mutual
253
124
Bristol West
295
141
Dairyland
318
131
The General
320
172
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
Insurers see a DUI as one of the most serious offenses, and if you have one on your record, your rates will certainly climb. Some insurers may drop you altogether due to the increased risk of claims. Oxford drivers with a DUI can expect to pay an average of $117 per month for liability-only insurance and $300 for full coverage.
The table below offers a comprehensive overview of the insurers that provide the most affordable monthly quotes for drivers with a DUI on their record.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
102
52
USAA
105
54
Safeco
164
82
Allstate
167
84
Progressive
169
85
GEICO
177
89
Nationwide
181
87
Travelers
189
102
Clearcover
226
135
National General
231
95
GAINSCO
239
84
Shelter
243
122
Liberty Mutual
279
137
Direct Auto
286
137
Bristol West
349
167
Foremost
360
144
The General
368
197
Dairyland
370
152
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
Experienced drivers tend to be safer on the road, so insurance companies often decrease rates for drivers once they reach middle age. However, rates increase once again as drivers reach senior status. This later increase is due to the increased risks associated with senior drivers, including slowed reflexes and the increased severity of injuries during an accident.
Research shows drivers age 70 and older are involved in more fatal crashes per mile traveled than middle-aged drivers.[3] Insurance companies increase rates to account for the increased risk.
Oxford seniors pay $46 on average for a liability-only policy and $117 for full coverage. The below table lists the companies with the lowest average monthly car insurance quotes for senior drivers in Oxford, Mississippi.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
31
16
USAA
37
19
Progressive
46
23
Nationwide
54
26
Allstate
58
29
GEICO
59
30
Travelers
64
35
Safeco
67
33
Shelter
71
36
National General
92
38
GAINSCO
95
33
Direct Auto
96
46
Liberty Mutual
98
48
Clearcover
113
68
Bristol West
125
60
Dairyland
137
56
The General
144
77
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
Auto insurance rates for teen drivers tend to be higher than those for adults because young drivers have less driving experience and are prone to taking more risks behind the wheel. This puts them at a higher risk of being involved in an accident.
Some ways to save on the cost of coverage include keeping teens on their parents’ insurance policy and taking advantage of discounts, including those for good students and taking a driver’s education course.
Oxford teens can expect to pay a monthly average of $144 for minimum coverage and $370 for full coverage. The table below shows companies offering the lowest monthly car insurance quotes for teen drivers in Oxford.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
State Farm
118
60
USAA
118
60
GEICO
190
95
Allstate
197
99
Safeco
197
98
Progressive
202
102
Nationwide
208
100
Travelers
228
123
Clearcover
271
163
GAINSCO
289
101
National General
293
121
Shelter
299
151
Liberty Mutual
319
157
Direct Auto
350
168
Bristol West
393
188
The General
399
214
Dairyland
407
168
Foremost
432
173
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 Oxford
Car insurance companies base their rates on several factors, including your age, the type of car you drive, your credit, and even the ZIP code where you park your car at night.
While some of these factors are out of your control, the following strategies can help you keep your auto insurance costs as low as possible:.
Bundle insurance policies. Many insurance companies offer discounts for customers who buy two or more policies from them. Consider shopping for auto and home insurance or renters insurance at the same time to tap into these discounts.
Select a higher deductible. Choosing a higher deductible for your comprehensive and collision coverage means you agree to pay more out of pocket when you have a claim. Increasing your deductible from $200 to $500 could reduce the cost of these coverages by up to 30%, according to the Insurance Information Institute.
Ask about discounts. Many auto insurance companies offer discounts to people who maintain a clean driving record, install anti-theft devices, take a defensive driving course, or take other steps to lower their risk. Ask your insurer what discounts it has available, and make sure you take advantage of as many as you can.
Shop around. Rates vary from company to company, so shopping your policy with several different insurance companies is the best option for finding the best coverage at the lowest rate. An insurance price-comparison platform makes it easy to compare rates from several different insurers at the same time to find the best rates for you.
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Oxford car insurance quotes by credit tier
Mississippi, like many other states, allows insurers to consider credit history when underwriting auto insurance policies. Generally, drivers with excellent or good credit pay significantly lower rates than drivers with poor credit.
The chart below shows the average car insurance quotes you’ll pay in Oxford, by 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 Oxford?
Car insurance in Oxford averages $65 per month for liability-only coverage and $167 per month for full coverage. This is lower than the national averages of $103 per month for liability only and $212 for full coverage.
Part of the reason for this price difference may be Oxford’s size: The population is only about 26,000. Oxford is also a very walkable city, meaning fewer cars on the roads than in larger cities, and drivers are less likely to be involved in an accident.
More cities in Mississippi
The table below shows the average monthly quotes for car insurance in other cities in Mississippi so you can see how those rates compare to Oxford.
City
Full Coverage
Liability Only
Columbus
$187
$68
Jackson
$224
$88
Meridian
$184
$70
Southhaven
$215
$87
Tupelo
$177
$72
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.
Oxford car insurance FAQs
Looking for more information on how to get the cheapest car insurance in Oxford? Consult the answers below.
How much is car insurance in Oxford, Mississippi?
Car insurance in Oxford averages $65 per month for liability-only coverage and $167 per month for full coverage. By comparison, the Mississippi state average costs are $192 per month for full coverage and $74 for liability only.
Who has the cheapest car insurance in Oxford?
State Farm, USAA, and Safeco are the cheapest car insurance companies in Oxford. State Farm's rates start at $31 per month for liability policies. USAA and Safeco have liability-only rates as low as $32 and $49, respectively.
But the cheapest insurer for you will depend on several factors, such as your age, ZIP code, type of car you drive, and more.
What are the best car insurance companies in Oxford, Mississippi?
State Farm, USAA, and Travelers rank as the top insurers in Oxford. They have impressive Insurify Quality Scores (IQS) of 4.4, 4.3, and 4.2, respectively. In addition, all three insurers have been recognized for their financial stability, customer service, and discounts offered.
How much car insurance do you need in Mississippi?
To drive legally in Mississippi, you must have insurance that at least meets the state’s minimum guidelines of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability.
Is Mississippi a no-fault state?
No. Mississippi is an at-fault state. This means if you’re in an accident that another driver causes, you have the right to pursue legal action against the at-fault driver to ensure your damages are covered. This may include lost wages and pain and suffering.
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.
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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.