Cheapest Car Insurance Quotes for Teenagers in Mississippi

When shopping for cheaper car insurance for teen drivers, one of the many criteria that car insurance companies take into consideration when calculating the amount you pay for auto insurance is where you choose to live in Mississippi. Cities with more crime and/or more people like Natchez, Jackson, and Clinton are more likely to pay higher prices, whereas cities that are not as densely populated receive better rates.

The illustration below ranks the priciest cities in Mississippi for teenagers in which to buy car insurance.

Information shown are comparative as the specific area where the vehicle is garaged can affect premium rates significantly.

Comparing quotes for cost effective insurance is hard enough, and finding out which company has the cheapest auto insurance rates for teenagers takes a bit more work. Insurance premiums will most likely be significantly pricier than the average rate in Mississippi attributed to the potential for higher claims that goes along with offering insurance for teen drivers, but competitively-priced insurance should be available with a little diligence. Every insurance provider has a unique approach to determine premium rates, so let’s take a look at the most affordable auto insurance companies in Mississippi.

Lowest Insurance Price Quotes for Teens

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USAA has some of the best car insurance rates in Mississippi at around $831 a year. Travelers, Unitrin, Direct General, and ALFA would also make the list of some of the most economical Mississippi car insurance companies.

As the rates illustrate above, if you are insured with Unitrin and switched to USAA, you could see a yearly savings of approxmiately $337. Customers with Direct General could save as much as $447 a year, and ALFA insureds might see rate reductions of $519 a year.

To get a quick, customized rate comparison, click here to start your free quote or click several companies below for low rates.

Be aware that those estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a rate surcharge for teenagers. So the company that can offer you the best rate may not even be featured in the above rate chart. That helps illustrate why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The vehicle requiring coverage is one of the main factors when shopping for the cheapest auto insurance for teenagers in Mississippi. Vehicles with average performance, good safety features, or a positive history of liability claims will cost substantially less to insure than higher performance models. The next list outlines auto insurance prices for some of the most budget-friendly automobiles to insure in Mississippi.

Premium data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in garaging location in Mississippi which can influence rates considerably.

Looking at the data, you can presume that vehicles like the Ford Escape, Honda CR-V, and Jeep Wrangler will be some of the cheapest vehicles to insure for teen drivers. The price for car insurance will tend to be more expensive anyway just because there is a higher risk for teenagers, but in general those particular vehicles will tend to have the best insurance prices available.

Do you need full coverage?

Finding the cheapest auto insurance for teenagers in Mississippi should be important to the majority of drivers, and a great way to buy cheaper insurance is to not buy comprehensive and collision coverage. The chart below shows the comparison of insurance prices with full phyical damage coverage and with liability coverage only. The data is based on no violations or claims, $100 deductibles, single status, and no policy discounts are applied.

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If all age groups are averaged, full coverage costs $2,058 per year more than just insuring for liability. Many drivers may wonder if you should buy full coverage. There is no definitive formula that works best for making the decision to drop physical damage coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

Selecting the highest-rated car insurance provider is difficult considering how many different companies sell coverage in Mississippi. The company information shown below can help you decide which providers you want to consider buying from.

The ratings below include companies that write coverage in many states, so companies that only write business in Mississippi or surrounding areas are not factored into this list. If you’d like to compare prices from these and other companies in Mississippi, click this link.

Top 10 Large Auto Insurance Providers in Mississippi Ranked by A.M. Best Rating

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top 10 Large Auto Insurance Providers in Mississippi Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Who is cheaper: Progressive, Geico, State Farm, or Allstate?

When comparing auto insurance for teen drivers in Mississippi, four companies you’ll want quotes from are Progressive, Geico, State Farm, and Allstate. When combined, they make up over 48% of all vehicles in the U.S.. They all have unique coverages that buyers can choose from. The table below compares and contrasts pricing and service ratings, plus some optional coverages shoppers can find with each company.