Compare Columbus, MS Car Insurance Rates (2021)

Car insurance in Columbus, MS averages $269 a month. Columbus, Mississippi car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Columbus car insurance rates, compare quotes from the top car insurance companies in Columbus, MS.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Columbus is 39701
  • The cheapest car insurance company in Columbus for teen drivers is USAA
  • The cheapest car insurance company in Columbus is USAA

If you need to buy Columbus, Mississippi car insurance, the options can be confusing. Everything you need to know about car insurance in Columbus, MS is right here.

You’ll find Columbus car insurance rates, the cheapest Columbus, MS car insurance companies, and information on Mississippi car insurance laws. You can also compare Columbus, Mississippi car insurance rates to Hattiesburg car insurance rates, Meridian car insurance rates, and Olive Branch car insurance rates.

Ready to find affordable Columbus, MS car insurance today? Enter your ZIP code for fast, free Columbus car insurance quotes.

Cheapest Columbus, MS Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Columbus, MS car insurance rates? Every Columbus, Mississippi car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Columbus, Mississippi

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,417 $2,314 $2,148 $2,197 $9,486 $10,121 $2,765 $2,847
GEICO $2,558 $2,422 $2,330 $2,165 $6,271 $5,933 $4,207 $2,069
Liberty Mutual $2,260 $2,445 $1,822 $2,041 $8,034 $8,927 $2,401 $2,524
Nationwide $1,807 $1,856 $1,627 $1,722 $3,541 $4,494 $2,038 $2,203
Progressive $2,298 $2,154 $1,887 $1,836 $8,400 $9,406 $2,368 $2,475
State Farm $1,774 $1,774 $1,589 $1,589 $5,138 $6,470 $1,976 $2,243
Travelers $1,499 $1,526 $1,425 $1,430 $6,720 $10,686 $1,572 $1,814
USAA $1,230 $1,219 $1,151 $1,165 $3,005 $3,556 $1,494 $1,645

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Minimum Car Insurance in Columbus, MS

Every driver must carry the minimum car insurance in Columbus, MS. Take a look at the Mississippi car insurance requirements.

Minimum Required Car Insurance Coverage in Columbus, Mississippi

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Columbus, MS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Columbus, MS. Compare credit history car insurance rates in Columbus from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Columbus, Mississippi

Insurance Company Poor Fair Good
Allstate $4,959 $4,394 $3,508
GEICO $5,268 $2,985 $2,230
Liberty Mutual $5,449 $3,341 $2,630
Nationwide $2,818 $2,306 $2,109
Progressive $4,367 $3,727 $3,465
State Farm $4,064 $2,464 $1,928
Travelers $3,781 $3,088 $3,134
USAA $2,466 $1,612 $1,347

Cheapest Columbus, MS Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Columbus, MS to rates for a clean record with top companies.

Annual Columbus, Mississippi Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,631 $4,268 $5,143 $4,106
GEICO $2,170 $3,297 $5,023 $3,487
Liberty Mutual $2,708 $4,308 $4,414 $3,797
Nationwide $1,937 $2,456 $3,111 $2,139
Progressive $3,299 $4,430 $3,809 $3,874
State Farm $2,560 $3,135 $2,790 $2,790
Travelers $2,918 $3,054 $4,187 $3,178
USAA $1,418 $1,804 $2,436 $1,575

Cheapest Columbus, MS Car Insurance for Teen Drivers

Teen car insurance in Columbus, MS can be expensive. Take a look at rates from the top car insurance companies in Columbus for teenagers.

Annual Car Insurance Rates for Teen Drivers in Columbus, Mississippi

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,486 $10,121
GEICO $6,271 $5,933
Liberty Mutual $8,034 $8,927
Nationwide $3,541 $4,494
Progressive $8,400 $9,406
State Farm $5,138 $6,470
Travelers $6,720 $10,686
USAA $3,005 $3,556

Cheapest Columbus, MS Car Insurance for Seniors

Take a look at Columbus, MS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Columbus, Mississippi

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,148 $2,197
GEICO $2,330 $2,165
Liberty Mutual $1,822 $2,041
Nationwide $1,627 $1,722
Progressive $1,887 $1,836
State Farm $1,589 $1,589
Travelers $1,425 $1,430
USAA $1,151 $1,165

Cheapest Columbus, MS Car Insurance Rates After a DUI

A DUI in Columbus, MS increases car insurance rates. Compare Columbus, Mississippi DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Columbus, Mississippi

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,143
GEICO $5,023
Liberty Mutual $4,414
Nationwide $3,111
Progressive $3,809
State Farm $2,790
Travelers $4,187
USAA $2,436

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Cheapest Columbus, MS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Columbus, MS by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Columbus, Mississippi

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,287 $4,287
GEICO $3,485 $3,504
Liberty Mutual $3,807 $3,807
Nationwide $2,411 $2,411
Progressive $3,853 $3,853
State Farm $2,750 $2,888
Travelers $3,334 $3,334
USAA $1,753 $1,864

Cheapest Columbus, MS Car Insurance Rates by ZIP Code

Columbus car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Columbus, MS.

Annual Car Insurance Rates by ZIP Code in Columbus, Mississippi

ZIP Code Average Annual Rates
39701 $2,725
39702 $2,802
39705 $2,820
39710 $2,807

The Best Cheap Car Insurance Companies in Columbus, MS

Take a look at a side-by-side comparison of the top car insurance companies in Columbus, MS to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Columbus, Mississippi

Insurance Company Average Annual Rates
Allstate $4,287
GEICO $3,494
Liberty Mutual $3,807
Nationwide $2,411
Progressive $3,853
State Farm $2,819
Travelers $3,334
USAA $1,808

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Category Winners: Cheapest Car Insurance in Columbus, Mississippi

Find the cheapest car insurance companies in Columbus, MS for each category right here.

Best Annual Car Insurance Rates by Company in Columbus, Mississippi

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Columbus, MS Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Columbus car insurance rates. Find the cheapest Columbus, MS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Columbus, Mississippi

Insurance Company Low Medium High
Allstate $4,128 $4,283 $4,450
GEICO $3,306 $3,517 $3,660
Liberty Mutual $3,578 $3,790 $4,053
Nationwide $2,274 $2,403 $2,556
Progressive $3,463 $3,904 $4,192
State Farm $2,650 $2,807 $2,999
Travelers $3,153 $3,354 $3,495
USAA $1,687 $1,798 $1,940

What affects car insurance rates in Columbus, Mississippi?

What factors can have an impact on Columbus, MS car insurance? There are several reasons why Columbus car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Columbus, Mississippi.

Commute Time in Columbus

The more time you spend in your car the higher the risk of an accident. The average commute length in Columbus, MS is 7.6 minutes according to City-Data.

Traffic in Columbus

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Columbus, MS traffic data from INRIX ranks Columbus as the 473rd-most congested in the world.

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Compare Car Insurance Quotes in Columbus, MS

Ready to find affordable Columbus, Mississippi car insurance today? Enter your ZIP code for fast, free Columbus, MS car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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