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Get Cheap Car Insurance in Columbus, MS

We monitor insurance prices, helping the average driver in Columbus save up to 32.0% on car insurance.

 

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The Cheapest Minimum Coverage in Columbus

The chart below shows the cheapest car insurance company in Columbus for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Farm Bureau, Safeco Insurance, and Progressive.

 
Columbus Insurer Monthly Cost
State Farm $62
Farm Bureau $64
Safeco Insurance $66
Progressive $73

Savings for Every Kind of Columbus Driver

The table shows how much the average auto insurance customer in Columbus might save by following our recommendations.

Based on our extensive insurance data, we know the average Columbus driver will save about 17% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $287 per year by choosing the right vehicle insurance company. Some Columbus residents are paying out over $1,677 extra every year for auto insurance in Columbus. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Columbus, MS Savings / Yr.
Drivers with good records
$287
Drivers with accidents
$478
Drivers with speeding tickets
$373
Drivers with a DUI conviction
$734
Young drivers
$1,702
Married drivers
$245
Drivers with bad credit
$748

Columbus Car Insurance vs. Mississippi

People living in Columbus pay an average of 1.81% less than the typical driver in the state. The average driver in Columbus can expect to pay about $954 per year, or $1,677 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Columbus for most people.

Car Insurance Prices by Columbus Neighborhood

Columbus, MS map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
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Where is insurance cheapest within Columbus?

The map shows insurance prices in and around Columbus, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $293 per year within the city boundaries, with insurance premiums ranging from a high of $1,837 to a low of $1,544. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Columbus.

Pick the Best Car Insurance Company for You in Columbus

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Columbus insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Columbus

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $287 over the average Columbus car insurance company.

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We use the average good driver, paying $116 per month, as our baseline for pricing in Columbus. State Farm, Geico, and Farm Bureau are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Columbus drivers with accidents on their records

In Columbus getting into an accident will raise premiums an average 31% for a yearly cost of $2,415. That's $738 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Farm Bureau are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $478 over the competition.

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The best car insurance company for Columbus drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $373 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Columbus, tickets raise premiums on new quotes about $427. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $2,104 per year.

The best auto insurance for Columbus drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,890 per year in auto insurance premiums, which was $1,213 more than a driver with no major issues. State Farm, Progressive, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $734 less each year.

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The least expensive car insurance company for new and young drivers in Columbus

In Columbus, Farm Bureau costs young drivers $1,702 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Columbus. With an average cost of $5,314 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Columbus

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $212. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Columbus.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $245 saved each year compared to an average Columbus couple's premiums.

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The cheapest car insurance in Columbus for drivers with bad credit

People with poor credit saved an average of $748 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,227 every year. Premiums for people with poor credit were about $2,904 in Columbus. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farm Bureau, and Bristol West.

The best Columbus car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Columbus, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in Columbus.

Nationwide was the best company for customer service in Columbus according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Columbus, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Columbus. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Columbus

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 39% of Columbus residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Columbus driver can expect to pay about $118 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Columbus, USAA has the best prices for married couples, drivers with bad credit, drivers with a DUI conviction, good drivers, drivers with speeding tickets, drivers with accidents, and young drivers.
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Auto Insurance Prices in and Around Columbus

What Influences the Cost of Car Insurance in Columbus?

On average, car insurance in Columbus is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Columbus is 24 minutes, which is far less than average for a driver in the state.
  • Mississippi state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Columbus are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Columbus is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Columbus is $80 per month for minimum coverage and $140 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Columbus driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Columbus with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.