Who Has Cheap Car Insurance Quotes for Teenagers in Mississippi?
Enter your Mississippi zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 9, 2019
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You have probably seen the catchy commercials from car insurance companies like Allstate and Nationwide claiming the cheapest price. So you should just choose the one with the flashiest ad, right?
Unfortunately, it’s not that simple as there are a whole slew of unknowns such as the number of miles you drive in a year, the vehicle you are insuring, and how high your deductibles should be, that all have an effect on the price. This article covers the things that cause high insurance rates and will hopefully give the reader a jump start in finding the best auto insurance in Mississippi.
The vehicle you are buying coverage for is one of the main factors when comparing cheap car insurance for teenagers in Mississippi. Vehicles with limited speed and performance, good crash test ratings, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.
The next table estimates insurance costs for the most economical vehicles to insure.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$2,664|
|Ford Escape Limited 2WD||$2,691|
|Chevrolet Traverse LS 2WD||$2,700|
|Honda Accord EX-L 4-Dr Sedan||$2,859|
|Subaru Forester X Premium AWP AWD||$2,893|
|Honda Odyssey LX||$2,967|
|Ford Edge SE 2WD||$2,972|
|Volkswagen Jetta SE 2.5 Station Wagon||$3,052|
|Ford Fusion S 4-Dr Sedan||$3,162|
|Dodge Grand Caravan Hero||$3,171|
|Hyundai Tucson Limited 4WD||$3,162|
|Toyota RAV4 Limited 4WD||$3,171|
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Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Mississippi minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can affect auto insurance rates noticeably.
Looking at the numbers, you can infer that makes and models like the Honda CR-V, Ford Escape, Chevrolet Traverse, and Honda Accord will be a few of the less-costly vehicles to insure for teen drivers. Auto insurance rates will tend to be more expensive just due to the fact that there is more liability risk for teenagers, but overall those particular models will have the least expensive rates possible.
When shopping for insurance for teen drivers, one of the many components that influence the amount you pay each year for auto insurance is where you keep your car in Mississippi. Cities with larger populations like Natchez, Vicksburg, and Jackson tend to have higher auto insurance costs, whereas more rural areas benefit from lower rates.
The table below lists the highest-priced areas in Mississippi for teenagers in which to buy car insurance.
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Annual rates are estimated as the specific Mississippi residence address can alter rates substantially.
Get discounts on Mississippi auto insurance rates
Insurance companies that provide cheap car insurance for teenagers in Mississippi may provide premium discounts that could lower prices by as much as 35% or more if you meet the requirements. Larger car insurance companies and some of their more popular discounts can be read below.
- State Farm has savings for driver’s education, good driver, accident-free, anti-theft, and Steer Clear safe driver discount.
- American Family may include discounts for good student, defensive driver, TimeAway discount, good driver, mySafetyValet, multi-vehicle, and early bird.
- AAA discounts include AAA membership discount, pay-in-full, multi-car, good driver, multi-policy, and anti-theft.
- GEICO policyholders can earn discounts including good student, membership and employees, emergency military deployment, anti-theft, multi-vehicle, anti-lock brakes, and military active duty.
- Mercury Insurance offers discounts including good student, good driver, multi-policy, location of vehicle, accident-free, professional/association, and type of vehicle.
- Farmers Insurance includes discounts for electronic funds transfer, early shopping, homeowner, teen driver, and multi-car.
- Progressive may have discounts that include online signing, homeowner, multi-vehicle, multi-policy, continuous coverage, and online quote discount.
The illustration below shows the comparison of insurance premiums with and without discounts applied to the policy rates. The premiums are based on a female driver, no tickets, no at-fault accidents, Mississippi state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, vehicle safety, anti-theft, paperless filing, paid-in-full, and continuous coverage discounts applied. When drivers qualify for the discounts, the average yearly reduction on car insurance for teenagers is 28% or $492.
Poor driving habits will raise your car insurance rates
One of the best ways to snag affordable car insurance rates in Mississippi for teen drivers is to drive attentively and avoid tickets and accidents. The information below demonstrates how speeding tickets and at-fault collisions impact annual premium costs for different age groups of insureds. The costs are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of auto insurance in Mississippi per year with no accidents and a clean driving record is $1,771. Get written up for two speeding tickets and the average cost swells to $2,522, an increase of $751 each year. Next add one accident along with the two speeding tickets and the yearly cost of car insurance for teenagers increases to an average of $3,278. That’s an increase of $1,506, or $126 per month, just for not keeping your driving record clean!
You are probably paying too much for car insurance
Mississippi car insurance rates are influenced by many factors that will increase or decrease your annual premium. Simply turning a year older, buying a different home, or getting a few speeding tickets can trigger changes in premium that may make certain companies more affordable than before.
Not only that, but car insurance companies change their prices as often as every three months to adjust for unexpected claims or profits. Heavier than normal losses may result in more expensive premiums, while a better loss history can produce more affordable Mississippi car insurance rates.
For example, the data below compares the cheapest car insurance in Mississippi for a 35-year-old female driver with no accidents, a clean driving record, and great credit. When quoting prices based on her personal profile, USAA may offer the best car insurance rates in Mississippi at $807 each year. This is $961 less than the average policy premium paid by Mississippi drivers of $1,768. Travelers, Unitrin, Direct General, and ALFA are the remainder of the cheapest Mississippi auto insurance companies.
Let’s now give the driver from the first rate comparison a claim surcharge, poor credit, and a traffic citation. Since every insurance provider uses a different method for determining prices, comparing insurance quotes may result in a different set of the cheapest car insurance companies in Mississippi as shown below.
Travelers now has the lowest price on auto insurance in Mississippi with Southern Farm Bureau, Safeway, Shelter, and USAA also having competitive pricing. This example illustrates why consumers need to compare lots of rates to find the most budget-friendly insurance rates for teenagers.
Auto insurance prices are influenced by many risk factors and can decrease or increase without notice, so the best company two years ago may now be an over-priced policy.
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