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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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Oxford for teen drivers is USAA
  • The annual number of car thefts in Oxford is 17.
  • Average car insurance rates in Oxford, MS for senior drivers are $1,918/year

Average car insurance rates in Oxford, Mississippi are $296 a month. But with a little research you can get a great deal from the top car insurance companies in Oxford, MS. Before you buy Oxford, Mississippi car insurance, make sure your coverage meets or exceeds the Mississippi minimum of 25/50/25.

It may even be helpful to compare Oxford car insurance rates with Southaven car insurance rates, Jackson car insurance rates, or Hattiesburg car insurance rates to make sure you’re getting the best Oxford, MS car insurance quotes available.

Need affordable Oxford, MS car insurance? Enter your ZIP code to compare Oxford car insurance quotes from multiple car insurance companies near you.

Oxford, MS Minimum Car Insurance Coverage

Oxford, Mississippi law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

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

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Oxford, MS Car Insurance Rates by Coverage Level

Some Oxford drivers can get by with the Mississippi minimum coverage of 25/50/25. Other drivers may need more. See how much your Oxford, Mississippi car insurance rates may be based on the coverage you need.

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

Oxford, MS Car Insurance Rates by Age, Gender, and Marital Status

Oxford, Mississippi car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Oxford, MS car insurance, get quotes from multiple car insurance companies in the Oxford area and see how these criteria affect your 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

Oxford, MS Car Insurance Rates for Teens

How much is Oxford, Mississippi car insurance for teens? Compare rates from top Oxford car insurance companies below to help find the cheapest teen car insurance in Oxford, MS.

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

Oxford, MS Car Insurance Rates for Seniors

Before seniors buy Oxford, Mississippi car insurance, they should make sure to shop around. Some Oxford, MS car insurance companies may offer discounts or other savings options for senior car insurance.

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

Oxford, MS Car Insurance Rates by Credit History

How does your credit history affect Oxford, MS car insurance rates? Review the numbers here to find out.

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

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Oxford, MS Car Insurance Rates by Driver History

How does a single speeding ticket affect your Oxford, Mississippi car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Oxford.

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

Oxford, MS Car Insurance Rates With a DUI

Even a single DUI can increase your Oxford, MS car insurance rates. Compare rates below to see which Oxford car insurance company has the best rates for drivers with a DUI.

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

Oxford, MS Car Insurance Rates by ZIP Code

Just like Oxford car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Oxford, MS car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Oxford, Mississippi

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

Oxford, MS Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Oxford, MS car insurance rates may be. Let’s take a look at average car insurance rates from top Oxford companies based on commute time.

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

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Oxford, MS Cheapest Car Insurance Rates

How do the top Oxford, Mississippi car insurance companies’ average rates stack up against the Oxford average monthly car insurance rates of $296? Take a look and see.

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

Oxford, MS Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Oxford, Mississippi car insurance companies to help you find one that best fits 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

Other Factors Affecting Oxford, MS Car Insurance Rates

Before you buy Oxford, Mississippi car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Oxford, MS Car Theft Rates

The car theft rate in Oxford, MS will affect your car insurance rates. FBI data shows that the annual car theft rate for Oxford, Mississippi is 17 stolen cars.

Oxford, MS Commute Time

How does your Oxford, MS commute time compare with the average driver? In Oxford, the average commute is 15.9 minutes.

Oxford, MS Traffic

Spending time in Oxford traffic can lead to higher car insurance rates. According to INRIX data, Oxford, MS ranks as the 771st-most congested with traffic in the world.

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Oxford, MS Car Insurance Quotes

Compare Oxford, MS car insurance quotes from multiple companies by entering your ZIP code now.