Who Has Cheap Auto Insurance Quotes for a 20 Year Old Male in Mississippi?

Who Has Cheap Auto Insurance Quotes for a 20 Year Old Male in Mississippi?

Wouldn’t life be great if we could wave our magic wand and tell you the exact company that has the lowest rates for 20 year old guys? It’s just not that easy, however, as there are a ton of unknown elements such as any prior traffic citations, if you are married, how far you drive each year, and whether you have good or poor credit. This article will detail the best ways to save on auto insurance and will hopefully give you a good start in finding the cheapest insurance in Mississippi.

The vehicle model you are seeking coverage for is a large consideration that determines whether or not you can buy cheap auto insurance for 20 year old guys in Mississippi. Vehicles with average performance, advanced safety features, or low incidents of liability claims will cost less to insure than high performance models.

The table below features car insurance rates for a selection of the most affordable automobiles to buy insurance for.

Cheapest Auto Insurance Rates for a 20 Year Old Male in Mississippi
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $2,138
Jeep Wrangler Sport 4WD 2-Dr $2,144
Chevrolet Traverse LS AWD $2,211
Hyundai Tucson GLS 2WD $2,323
Ford Escape Limited 4WD $2,356
Ford Explorer XLT AWD $2,360
Toyota Prius $2,393
Ford Edge Limited 2WD $2,504
Toyota Sienna CE $2,513
Honda Odyssey EX W/Rear Entertainment $2,504
Jeep Grand Cherokee Laredo 2WD $2,541
Chevrolet Impala LT $2,547
Toyota Tacoma Double Cab 4WD $2,541
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Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Mississippi minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific zip code location which can affect premiums noticeably.

Based upon these rates, cars like the Honda CR-V, Jeep Wrangler, and Chevrolet Traverse are most likely going to be some of the more affordable vehicles to insure for young men. Auto insurance rates will tend to be more expensive because there is more exposure for 20 year old guys, but in general those specific models will tend to have the best insurance prices possible.

For Mississippi drivers, one of the factors that play a part in determining the price of your policy is where you keep your car in Mississippi. Areas that are densely populated or have higher claim frequency like Clarksdale, Gulfport, and Clinton tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates can boast about having cheaper rates.

The table below displays the highest-priced places in Mississippi for 20 year old guys to purchase auto insurance in.

Car insurance prices in Mississippi
Rank City Average Per Year
1 Clarksdale $1,367
2 Natchez $1,356
3 Gulfport $1,346
4 Vicksburg $1,323
5 Clinton $1,321
6 Pascagoula $1,318
7 Jackson $1,306
8 Ocean Springs $1,303
9 Biloxi $1,298
10 Pearl $1,289
11 Hattiesburg $1,285
12 Horn Lake $1,271
13 Madison $1,260
14 Gautier $1,255
15 Greenville $1,250
16 Southaven $1,249
17 Oxford $1,245
18 Meridian $1,236
19 Olive Branch $1,235
20 Ridgeland $1,230
21 Brandon $1,229
22 Laurel $1,210
23 Tupelo $1,168
24 Columbus $1,128
25 Starkville $1,127
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Table data uses estimated as specific Mississippi garaging address can raise or lower premiums noticeably.

The diagram below illustrates how your choice of deductibles can impact insurance rates when quoting cheap insurance for 20 year old guys. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

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In the chart above, a 40-year-old driver could pocket $264 a year by changing from a $100 deductible to a $500 deductible, or save $400 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could drop their prices as much as $868 or more just by using higher deductibles. If you do make the decision to raise your deductibles, it is important to have additional savings on hand to satisfy the extra out-of-pocket expense that is associated with using high deductibles.

Allstate, Geico, State Farm, and Progressive: Who is best?

When comparing car insurance for young men in Mississippi, four companies to take a look at are Allstate, Geico, State Farm, and Progressive. All of them offer physical damage and liability coverage, but each has different optional coverages and features that drivers can select from. The table below compares some of the ratings and options that are available for customers.

Ratings for Allstate, Geico, State Farm, and Progressive
Allstate Geico State Farm Progressive
Policy Discounts 1st 2nd 3rd 4th
Customer Satisfaction 2nd 1st 4th 3rd
Price Rank 4th 1st 2nd 3rd
Claims Service 1st 3rd 2nd 4th
Customers who recommend 86% 87% 88% 88%
A.M. Best financial rating A+ A++ A++ A+
Accident forgiveness coverage Yes Yes No Yes
New car replacement coverage Yes No No No
Usage-based rating Yes No Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Roadside assistance Yes Yes Yes Yes
Breakdown insurance No Yes No Yes
Insure in Mississippi Yes Yes Yes Yes
Where to buy Allstate-only agents Can buy online or use a Geico agent Can only buy from State Farm agents Buy online or from an independent agent
Number of agents 11,000+ 150+ 18,000+ 30,000+
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Tips to find cheaper car insurance for 20 year old guys

Below you’ll find some of the recommended penny-pinching suggestions that can help drivers quote the cheapest car insurance.

  • Good credit can save money
  • Lower rates by purchasing a safer vehicle
  • Raise your deductibles
  • Do not get into accidents that are your fault
  • Violations like speeding or DUI increase rates
  • Compare quotes from other companies often

The final tip is certainly valuable, as was noted in this write-up. Car insurance prices vary considerably, so you should be ready to change to a new company if a lower-cost policy is available. Having a favorite company is great, but it’s not a good idea if it’s costing you a fortune every year. It takes less than five minutes to compare rates and find cheaper car insurance for 20 year old guys.