Best Cheap Auto Insurance in Oxford, MS (2021)

The average Oxford, MS auto insurance rates are $296 per month. The minimum auto insurance in Oxford is at least 25/50/25 in coverage to comply with Mississippi auto insurance laws. To find the best cheap auto insurance in Oxford, Mississippi, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • Average auto insurance rates in Oxford, MS for senior drivers are $1,918 per year
  • The most expensive auto insurance company in Oxford for teen drivers is Allstate
  • The cheapest auto insurance company in Oxford is USAA

Oxford, Mississippi auto insurance requirements are 25/50/25 according to Mississippi auto insurance laws. Finding cheap auto insurance in Oxford can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Oxford, Mississippi, including driving record, credit, commute time, and more.

Compare auto insurance in Oxford to other Mississippi cities, including Gulfport auto insurance rates, Greenville auto insurance rates, and Oxford auto insurance rates to see how Oxford, Mississippi auto insurance rates stack up.

Before you buy Oxford, Mississippi auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Oxford, Mississippi auto insurance quotes.

Minimum Auto Insurance in Oxford, Mississippi

Oxford, Mississippi auto insurance laws require that you have at least the Mississippi minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Oxford, Mississippi.

Minimum Required Auto 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

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Cheap Oxford, Mississippi Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Oxford, Mississippi are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Oxford, Mississippi Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Oxford, Mississippi is a challenge. Take a look at the annual teen auto insurance rates in Oxford, Mississippi.

Annual Auto 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

Cheap Oxford, Mississippi Auto Insurance for Seniors

What are senior auto insurance rates in Oxford, Mississippi? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Oxford, Mississippi Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Oxford, Mississippi compared to the annual auto insurance rates with a clean record in Oxford, Mississippi.

Annual Oxford, Mississippi Auto 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

Cheap Oxford, Mississippi Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Oxford, Mississippi is not easy. Compare the annual rates for DUI auto insurance in Oxford, Mississippi to find the best deal.

Annual Auto Insurance Rates After a DUI in Oxford, Mississippi

Insurance Company Annual Auto 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

Cheap Oxford, Mississippi Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Oxford, Mississippi annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Oxford, Mississippi Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Oxford, Mississippi can vary. Compare the annual cost of auto insurance by ZIP code in Oxford, Mississippi to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Oxford, Mississippi

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

Cheap Oxford, Mississippi Auto Insurance Rates By Commute

Commute length and annual mileage affect Oxford, Mississippi auto insurance. Find the cheapest annual Oxford, Mississippi auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Oxford, Mississippi

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Oxford, Mississippi Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Oxford, Mississippi? Check out the comparison of annual Oxford, Mississippi auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Oxford, Mississippi

Compare the cheapest auto insurance companies in Oxford, Mississippi in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Oxford, Mississippi Auto Insurance Companies

What auto insurance companies in Oxford, Mississippi are the cheapest? Compare the top Oxford, Mississippi auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Oxford, Mississippi?

There are a lot of reasons why auto insurance rates in Oxford, Mississippi are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Oxford, Mississippi. Many local factors may affect your Oxford auto insurance rates.

Oxford Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Oxford, Mississippi auto theft statistics, there have been 17 auto thefts in the city.

Oxford Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oxford, Mississippi commute length is 15.9 minutes according to City-Data.

Oxford Traffic

How does Oxford, Mississippi rank for traffic? According to Inrix Oxford, Mississippi is the 771st most congested worldwide.

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Compare Oxford, Mississippi Auto Insurance Quotes

Before you buy Oxford, Mississippi auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Oxford, Mississippi auto insurance quotes.

Free Auto Insurance Comparison

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

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