Compare Oxford, MS Car Insurance Rates (2021)

Car insurance in Oxford, MS averages $296 a month. Oxford, Mississippi car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Oxford car insurance rates, compare quotes from the top car insurance companies in Oxford, MS.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Oxford is 38655
  • Average car insurance rates in Oxford, MS are $3,556/year
  • Average car insurance rates in Oxford, MS after a DUI are $4,264/year

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

You’ll find Oxford car insurance rates, the cheapest Oxford, MS car insurance companies, and information on Mississippi car insurance laws. You can also compare Oxford, Mississippi car insurance rates to Oxford car insurance rates, Biloxi car insurance rates, and Tupelo car insurance rates.

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

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

How do age, gender, and marital status affect Oxford, MS car insurance rates? Every Oxford, 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 Oxford, 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 $2,895 $2,764 $2,591 $2,649 $11,620 $12,425 $3,276 $3,358
GEICO $2,643 $2,498 $2,396 $2,227 $6,655 $6,275 $4,454 $2,139
Liberty Mutual $2,551 $2,760 $2,053 $2,299 $9,160 $10,174 $2,711 $2,853
Nationwide $1,895 $1,946 $1,704 $1,804 $3,737 $4,749 $2,141 $2,316
Progressive $2,566 $2,404 $2,105 $2,047 $9,315 $10,440 $2,641 $2,757
State Farm $1,752 $1,752 $1,569 $1,569 $5,068 $6,373 $1,952 $2,221
Travelers $1,721 $1,751 $1,641 $1,639 $7,630 $11,971 $1,809 $2,101
USAA $1,276 $1,264 $1,193 $1,207 $3,140 $3,718 $1,551 $1,707

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Minimum Car Insurance in Oxford, MS

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

Minimum Required Car Insurance Coverage in Oxford, 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 Oxford, MS Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Oxford, Mississippi

Insurance Company Poor Fair Good
Allstate $6,021 $5,326 $4,244
GEICO $5,520 $3,128 $2,335
Liberty Mutual $6,190 $3,791 $2,980
Nationwide $2,967 $2,425 $2,217
Progressive $4,858 $4,143 $3,851
State Farm $4,011 $2,432 $1,904
Travelers $4,296 $3,503 $3,550
USAA $2,568 $1,677 $1,401

Cheapest Oxford, 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 Oxford, MS to rates for a clean record with top companies.

Annual Oxford, Mississippi Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,379 $5,160 $6,280 $4,969
GEICO $2,288 $3,459 $5,244 $3,652
Liberty Mutual $3,067 $4,892 $5,012 $4,310
Nationwide $2,033 $2,585 $3,280 $2,247
Progressive $3,667 $4,920 $4,242 $4,308
State Farm $2,528 $3,093 $2,754 $2,754
Travelers $3,303 $3,459 $4,759 $3,612
USAA $1,474 $1,877 $2,540 $1,637

Cheapest Oxford, MS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oxford, Mississippi

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,620 $12,425
GEICO $6,655 $6,275
Liberty Mutual $9,160 $10,174
Nationwide $3,737 $4,749
Progressive $9,315 $10,440
State Farm $5,068 $6,373
Travelers $7,630 $11,971
USAA $3,140 $3,718

Cheapest Oxford, MS Car Insurance for Seniors

Take a look at Oxford, 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 Oxford, Mississippi

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,591 $2,649
GEICO $2,396 $2,227
Liberty Mutual $2,053 $2,299
Nationwide $1,704 $1,804
Progressive $2,105 $2,047
State Farm $1,569 $1,569
Travelers $1,641 $1,639
USAA $1,193 $1,207

Cheapest Oxford, MS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oxford, Mississippi

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,280
GEICO $5,244
Liberty Mutual $5,012
Nationwide $3,280
Progressive $4,242
State Farm $2,754
Travelers $4,759
USAA $2,540

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Cheapest Oxford, MS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oxford, Mississippi

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,197 $5,197
GEICO $3,649 $3,673
Liberty Mutual $4,320 $4,320
Nationwide $2,536 $2,536
Progressive $4,284 $4,284
State Farm $2,715 $2,849
Travelers $3,783 $3,783
USAA $1,824 $1,940

Cheapest Oxford, MS Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Oxford, Mississippi

ZIP Code Average Annual Rates
38655 $3,070
38675 $3,090

The Best Cheap Car Insurance Companies in Oxford, MS

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

Average Annual Car Insurance Rates by Company in Oxford, Mississippi

Insurance Company Average Annual Rates
Allstate $5,197
GEICO $3,661
Liberty Mutual $4,320
Nationwide $2,536
Progressive $4,284
State Farm $2,782
Travelers $3,783
USAA $1,882

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Category Winners: Cheapest Car Insurance in Oxford, Mississippi

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

Best Annual Car Insurance Rates by Company in Oxford, 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 Oxford, MS Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oxford, Mississippi

Insurance Company Low Medium High
Allstate $4,970 $5,190 $5,431
GEICO $3,453 $3,686 $3,843
Liberty Mutual $4,067 $4,302 $4,592
Nationwide $2,392 $2,528 $2,689
Progressive $3,832 $4,345 $4,676
State Farm $2,622 $2,770 $2,955
Travelers $3,615 $3,806 $3,929
USAA $1,757 $1,871 $2,017

What affects car insurance rates in Oxford, Mississippi?

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

Car Theft in Oxford

High levels of vehicle theft can make car insurance more expensive. Oxford, MS car theft statistics from the FBI indicate 17 vehicle thefts a year.

Commute Time in Oxford

The more time you spend in your car the higher the risk of an accident. The average commute length in Oxford, MS is 15.9 minutes according to City-Data.

Traffic in Oxford

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Oxford, MS traffic data from INRIX ranks Oxford as the 771st-most congested in the world.

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Compare Car Insurance Quotes in Oxford, MS

Ready to find affordable Oxford, Mississippi car insurance today? Enter your ZIP code for fast, free Oxford, 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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