120+ more*Quotes generated for Insurify users in and around Oxford, Mississippi within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Oxford, Mississippi within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){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
Car insurance in Oxford costs an average of $69 per month for liability coverage and $146 for full coverage. Oxford car insurance premiums are similar to the Mississippi average.
A high number of Oxford drivers have speeding tickets, accidents, and driving under the influence (DUI) convictions on their records. That may help explain why a small city has rates close to the state average.
Mississippi has the highest crash fatality rates in the U.S., with most crashes in urban areas.[1] More accidents lead to higher insurance rates for everyone. This is partly why Jackson, the biggest city, has some of the highest rates in the state. But in Tupelo, which has a lower population density and shorter commute times than Oxford, drivers pay lower car insurance rates.[2]
Get personalized rates from the city’s top insurers and save money today
Oxford drivers pay an average of $69 per month for minimum-coverage insurance. Liability auto insurance rates in Oxford are usually slightly cheaper than the state average. State Farm is the cheapest auto insurance company in Oxford for liability coverage.
Mississippi car insurance requirements include $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 of property damage liability coverage.[3]
The table below shows the companies offering the cheapest liability auto insurance rates in Oxford.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| USAA | $37 |
| Progressive | $42 |
| Bristol West | $52 |
| Direct Auto | $53 |
| National General | $53 |
| Allstate | $56 |
| GEICO | $62 |
| The General | $68 |
| Travelers | $70 |
| Trexis One | $70 |
| Safeco | $72 |
| First Acceptance | $74 |
| Mendota | $74 |
| GAINSCO | $76 |
| Root | $77 |
| Shelter | $89 |
| Liberty Mutual | $111 |
| Dairyland | $116 |
| Hugo | $116 |
Full-coverage car insurance in Oxford costs an average of $146 per month. That’s close to the average cost in Mississippi.
While Oxford isn’t near the coast, it still experiences severe weather, including high winds and flooding. Flooding in Oxford caused widespread property damage in August 2024. A full-coverage policy typically includes comprehensive coverage, which covers weather damage to your car.
The table below shows which companies offer the most affordable full-coverage auto insurance in Oxford.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $68 |
| USAA | $70 |
| National General | $92 |
| Progressive | $99 |
| Allstate | $103 |
| Safeco | $103 |
| Direct Auto | $105 |
| Root | $118 |
| GEICO | $120 |
| Travelers | $133 |
| Bristol West | $135 |
| Mendota | $167 |
| Shelter | $172 |
| Trexis One | $174 |
| Liberty Mutual | $181 |
| First Acceptance | $188 |
| GAINSCO | $189 |
| The General | $260 |
| Dairyland | $288 |
About 28% of Mississippi drivers are uninsured, the highest rate in the country, according to the National Association of Insurance Commissioners (NAIC).[4] More uninsured drivers push up car insurance rates for everyone.
Dense urban areas like Jackson tend to have higher rates due to greater traffic congestion. Jackson also ranks near the top 100 metro areas for auto theft, according to Insurify data, which increases premiums.
Meanwhile, Tupelo and Columbus have some of the cheapest rates among Mississippi cities. They’re less dense than cities like Jackson, so there’s typically less congestion and fewer chances of an accident. Oxford car insurance rates are usually higher than cities like Tupelo but cheaper than places like Jackson.
While Oxford is a small city, it’s dense, has a moderate flood risk, and has high rates of drivers with traffic violations. These factors increase Oxford car insurance rates.
This table shows average car insurance rates by city in Mississippi.
City | Average Monthly Quote |
|---|---|
| Columbus | $98 |
| Tupelo | $99 |
| Meridian | $104 |
| Hattiesburg | $115 |
| Madison | $117 |
| Olive Branch | $117 |
| Southaven | $119 |
| Jackson | $128 |
*Quotes generated for Insurify users in and around Oxford, Mississippi within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Oxford, Mississippi within the last 10 days. Last updated on October 15, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record affects your car insurance rates. Insurers consider you a higher risk if you have a history of violations and accidents. Here are the cheapest insurers in Oxford based on driving record:
Cheapest car insurance for Oxford drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Oxford: State Farm
Cheapest car insurance for Oxford drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Oxford: State Farm
If you’re an Oxford driver with a less-than-perfect driving record, you’re not alone. The numbers of Oxford drivers with a speeding ticket and with an at-fault accident are both nearly 25% higher than the state average, according to Insurify data.
Oxford also has nearly 50% more drivers on the road with DUIs than the rest of the state, which may help explain these higher rates. The Oxford Police Department received special funds in 2024 to enhance its DUI enforcement.[5]
The table below shows average rates for Oxford drivers with different driving records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $108 |
| Speeding ticket | $132 |
| At-fault accident | $142 |
| DUI | $135 |
With a lively campus environment and regional tourist attractions, Oxford gets busy in the spring and fall. Thanks to a thriving restaurant scene, you might find it difficult to park downtown around dinnertime. But if you can’t get an on-street metered space, a number of public off-street lots have reasonable rates.[6]
If you’re a local, it’s very important to pay attention to the Ole Miss football schedule — you can expect heavy traffic during a home game. On game days when the Rebels are out of town, the roads will likely be a bit quieter.
Oxford experiences occasional flooding and is part of the National Flood Insurance Program (NFIP). Check publicly available flood maps for roads to avoid during heavy rain. The Federal Emergency Management Agency recently updated flood zones on College Hill Road near Patterson Parkway.
Compare rates in Oxford, starting at an average of $36
Teenagers pay an average of $195 per month for auto insurance in Oxford. In Mississippi, teens enrolled in school can apply for a learner’s permit at age 15.[7]
Mississippi law recently required high schools to offer driver’s education, and the state will require these classes to receive a license beginning on July 1, 2027.
Below, you’ll find the average premiums by company for teenage car insurance in Oxford.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $67 |
| State Farm | $69 |
| Progressive | $76 |
| Bristol West | $91 |
| Allstate | $101 |
| Direct Auto | $102 |
| National General | $104 |
| GEICO | $111 |
| Root | $115 |
| The General | $122 |
| Trexis One | $126 |
| GAINSCO | $132 |
| First Acceptance | $134 |
| Mendota | $134 |
| Travelers | $144 |
| Safeco | $146 |
| Shelter | $175 |
| Liberty Mutual | $192 |
| Dairyland | $198 |
| Hugo | $209 |
Senior drivers in Oxford pay an average of $96 per month for car insurance. Oxford has fewer residents over 65 than the rest of Mississippi. Older drivers tend to pay less for coverage because they have more experience and safer habits behind the wheel.
This table shows the liability car insurance rates for senior drivers in Oxford.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $29 |
| USAA | $30 |
| Progressive | $37 |
| National General | $42 |
| Direct Auto | $44 |
| Bristol West | $44 |
| Allstate | $50 |
| GEICO | $50 |
| Travelers | $57 |
| The General | $59 |
| Trexis One | $62 |
| Safeco | $64 |
| Shelter | $65 |
| First Acceptance | $66 |
| Mendota | $66 |
| GAINSCO | $66 |
| Root | $72 |
| Liberty Mutual | $93 |
| Dairyland | $99 |
| Hugo | $103 |
Below, we answered common questions about auto insurance in Oxford, Mississippi.
The average cost of car insurance in Oxford, Mississippi, is $108 per month. Liability coverage costs an average of $69, and full coverage averages $146. Many factors affect your rates, including your driving record, age, gender, marital status, credit, and more.
Mississippi drivers must have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $25,000 of property damage liability coverage. But the Mississippi Insurance Department recommends higher policy limits. Minimum coverage often isn’t enough to cover repairs and medical bills if you cause a serious accident.
Oxford’s higher population density and severe weather drive up car insurance rates in the city. Personal factors, like your ZIP code, credit history, driving record, and car, also affect your car insurance rates in the city.
State Farm offers the cheapest car insurance in Oxford, with an average rate of $36 per month. But your personal rates may differ. Comparing quotes from multiple insurers can help you find the cheapest car insurance company in Oxford for your coverage needs.
On average, Mississippi car insurance costs $138 per month. Liability-only coverage averages $89 per month, while full-coverage policies average $186.
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:
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7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.
