Cheapest Car Insurance Quotes After a Speeding Ticket in Mississippi

The make and model of vehicle needing coverage is a large factor when comparing the most affordable auto insurance after a speeding ticket. Vehicles with more horsepower, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models. The next table ranks coverage premiums for the most cost-effective vehicles to insure.

Data based on single male driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, and homeowner. Estimates do not factor in Mississippi location which can impact premium rates greatly.

Based upon these rates, you can expect cars like the Ford Escape, Hyundai Elantra, Jeep Wrangler, Honda CR-V, and Subaru Forester should be some of the cheapest vehicles to insure after a few driving violations.

One of the many factors that influence the price you pay for insurance is where you call home in Mississippi. More populated areas like Natchez, Biloxi, and Clarksdale tend to have higher rates, whereas areas with less traffic congestion and claims enjoy lower car insurance rates.

The information below illustrates the most expensive places in Mississippi after a speeding ticket to buy car insurance in.

Annual rates are estimated as the specific garaging location can change coverage prices considerably.

Finding low-cost auto insurance is confusing at best, and finding out which companies offer the cheapest insurance rates after a speeding ticket takes more quotes for comparison. Each insurance company has a unique formula to set policy rates, so let’s begin by taking a look at the most competitive insurance companies in Mississippi.

It’s important to know that Mississippi insurance rates are determined by lots of factors that can increase the policy price. Improving your financial situation, buying a different vehicle, or getting a speeding ticket may cause policy rate changes resulting in some rates now being much cheaper than others.

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USAA normally has some of the cheapest car insurance rates in Mississippi at around $831 a year. Travelers, Unitrin, Direct General, and ALFA also rank well as some of the cheaper Mississippi insurance companies.

In the above example, if you currently buy coverage from Travelers and switched to USAA, you could earn savings of in the vicinity of $199. Customers with Unitrin could save as much as $302 a year, and Direct General policyholders might reduce prices by as much as $447 a year.

It’s important to note that these estimates are averages for all ages of drivers and types of vehicles and do not factor in a rate discount after a speeding ticket. So the company that fits your needs best may not even be shown in the chart above. That point stresses why you need to get quotes using your own specific driver and vehicle information.

Violations and accidents raise rates

The obvious way to find the cheapest insurance premiums in Mississippi after a few driving violations is to be a good driver and maintain a clean driving record. The diagram below highlights how traffic violations and accident claims can affect annual premium costs for each age group. The costs are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

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In the chart above, the average cost of a car insurance policy per year with no violations or accidents is $2,108. Factor in two speeding tickets and the average cost jumps to $2,921, an increase of $813 each year. Next add one accident along with the two speeding tickets and the 12-month cost of insurance after a speeding ticket jumps again to an average of $3,754. That’s an increase of $1,647, or $137 per month, just for not being more responsible behind the wheel!