Cheapest Auto Insurance in Oxford, Mississippi (2024)
State Farm offers the cheapest car insurance in Oxford, with minimum-coverage policies as low as $35 per month.
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Updated November 21, 2024
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Table of contents
Car insurance in Oxford, Mississippi, costs an average of $92 per month for liability-only coverage and $223 per month for full coverage. This is roughly on par with the statewide costs of $91 for liability coverage and $219 for full coverage.
Oxford’s smaller population of around 26,000 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
Oxford drivers will find the cheapest liability-only insurance rates from State Farm and the cheapest full-coverage rates from State Farm.
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.
3 of the cheapest 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. Always remember the best insurer for you depends on your personal needs and situation.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $74 | $35 | Low rates |
| USAA | 9.4 | $76 | $36 | Military members |
| Travelers | 9.0 | $145 | $69 | Discounts |
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.
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $35/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. | $75/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the top companies for auto insurance in Oxford, offering competitive rates and comprehensive coverage. State Farm’s rates consistently 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
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| 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. | $36/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. | $77/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
886NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for discounts: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $70/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. | $147/mo |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
839NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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.
Cheapest liability-only car insurance in Oxford: State Farm
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.
Liability-only policies in Oxford cost $92 per month, on average. 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $35 |
| USAA | $36 |
| Allstate | $59 |
| Progressive | $59 |
| Nationwide | $61 |
| GEICO | $62 |
| National General | $65 |
| Travelers | $70 |
| Safeco | $74 |
| Root | $77 |
| Bristol West | $79 |
| Shelter | $90 |
| Clearcover | $101 |
| Foremost | $104 |
| GAINSCO | $106 |
| Dairyland | $132 |
| Liberty Mutual | $135 |
| Direct Auto | $161 |
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: State Farm
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]
Drivers in Oxford pay an average of $223 per month for full-coverage insurance. The table shows the cheapest full-coverage car insurance quotes in Oxford.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $75 |
| USAA | $77 |
| Allstate | $123 |
| Progressive | $124 |
| National General | $126 |
| Nationwide | $127 |
| GEICO | $129 |
| Root | $137 |
| Safeco | $138 |
| Travelers | $147 |
| Clearcover | $163 |
| Shelter | $189 |
| Bristol West | $215 |
| Liberty Mutual | $247 |
| Foremost | $289 |
| Dairyland | $295 |
| GAINSCO | $349 |
| Direct Auto | $410 |
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 recent rates near Oxford, Mississippi
Recent Oxford, Mississippi car insurance prices for Honda, Jeep, Chevrolet , and more.
*Quotes generated for Insurify users in and around Oxford, Mississippi within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. 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 November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. 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 $127 per month for liability-only insurance and $309 for full coverage, on average.
The table below provides an overview of the car insurance companies in Oxford that offer the most affordable monthly liability-only quotes for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| State Farm | $35 | $45 |
| USAA | $36 | $46 |
| Allstate | $59 | $76 |
| Progressive | $59 | $76 |
| Nationwide | $61 | $79 |
| GEICO | $62 | $80 |
| National General | $65 | $84 |
| Travelers | $70 | $91 |
| Safeco | $74 | $97 |
| Root | $77 | $107 |
| Bristol West | $79 | $103 |
| Shelter | $90 | $121 |
| Clearcover | $101 | $131 |
| Foremost | $104 | $144 |
| GAINSCO | $106 | $147 |
| Dairyland | $132 | $170 |
| Liberty Mutual | $135 | $187 |
| Direct Auto | $161 | $208 |
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 $131 per month for a minimum-coverage policy, and $317 for full coverage.
The table below provides an overview of the car insurance companies that offer the most competitive minimum-coverage monthly quotes for drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $35 | $47 |
| USAA | $36 | $49 |
| Allstate | $59 | $79 |
| Progressive | $59 | $80 |
| Nationwide | $61 | $83 |
| GEICO | $62 | $84 |
| National General | $65 | $87 |
| Travelers | $70 | $95 |
| Safeco | $74 | $99 |
| Root | $77 | $111 |
| Bristol West | $79 | $106 |
| Shelter | $90 | $126 |
| Clearcover | $101 | $146 |
| Foremost | $104 | $149 |
| GAINSCO | $106 | $137 |
| Dairyland | $132 | $176 |
| Liberty Mutual | $135 | $194 |
| Direct Auto | $161 | $222 |
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 $149 per month for liability-only insurance and $362 for full coverage.
The table below offers a comprehensive overview of the insurers that provide the most affordable monthly liability-only quotes for Oxford drivers with a DUI on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $35 | $57 |
| USAA | $36 | $59 |
| Allstate | $59 | $96 |
| Progressive | $59 | $96 |
| Nationwide | $61 | $100 |
| GEICO | $62 | $101 |
| National General | $65 | $106 |
| Travelers | $70 | $114 |
| Safeco | $74 | $112 |
| Root | $77 | $113 |
| Bristol West | $79 | $129 |
| Shelter | $90 | $147 |
| Clearcover | $101 | $165 |
| Foremost | $104 | $170 |
| GAINSCO | $106 | $173 |
| Dairyland | $132 | $216 |
| Liberty Mutual | $135 | $221 |
| Direct Auto | $161 | $263 |
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 $71 on average for a liability-only policy and $173 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $56 | $26 |
| USAA | $60 | $28 |
| Progressive | $86 | $41 |
| Nationwide | $92 | $44 |
| National General | $93 | $48 |
| Allstate | $96 | $46 |
| GEICO | $100 | $48 |
| Travelers | $111 | $53 |
| Root | $112 | $63 |
| Safeco | $114 | $61 |
| Shelter | $133 | $63 |
| Clearcover | $136 | $84 |
| Bristol West | $167 | $61 |
| Liberty Mutual | $201 | $110 |
| Foremost | $224 | $81 |
| Dairyland | $228 | $102 |
| GAINSCO | $284 | $86 |
| Direct Auto | $309 | $121 |
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 $169 for minimum coverage and $410 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $134 | $63 |
| USAA | $134 | $63 |
| Root | $214 | $120 |
| GEICO | $215 | $103 |
| Progressive | $226 | $108 |
| Allstate | $228 | $109 |
| Nationwide | $231 | $111 |
| National General | $257 | $133 |
| Safeco | $275 | $148 |
| Travelers | $276 | $132 |
| Clearcover | $311 | $193 |
| Shelter | $328 | $156 |
| Bristol West | $377 | $139 |
| Liberty Mutual | $441 | $241 |
| Dairyland | $496 | $222 |
| Foremost | $534 | $192 |
| GAINSCO | $627 | $190 |
| Direct Auto | $778 | $306 |
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.
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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 $92 per month for liability-only coverage and $223 per month for full coverage. This is lower than the national averages of $104 per month for liability only and $204 for full coverage.
Part of the reason for this price difference may be Oxford’s population of 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 ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Columbus | $221 | $85 |
| Hattiesburg | $222 | $94 |
| Jackson | $237 | $109 |
| Madison | $226 | $103 |
| Meridian | $206 | $85 |
| Southaven | $243 | $104 |
| Tupelo | $195 | $78 |
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 $92 per month for liability-only coverage and $223 per month for full coverage. By comparison, the Mississippi state average costs are $219 per month for full coverage and $91 for liability only.
Which companies have the cheapest car insurance in Oxford?
State Farm, USAA, and Allstate are the cheapest car insurance companies in Oxford.
State Farm's rates start at $35 per month for liability policies. USAA and Allstate have liability-only rates as low as $36 and $59, 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 9.3, {AUTO_CARRIER_USAA_IQS}, and 9.0, 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
- 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.
Related articles
More cities in Mississippi
Sources
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- Mississippi Insurance Department. "Auto Insurance."
- IIHS. "Older drivers."
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Janet Berry-Johnson
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.
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