Cheap Auto Insurance for Inexperienced Drivers in Mississippi

Figuring out which company has the best auto insurance rates for inexperienced drivers involves a little more work in order to find the lowest price. Each auto insurance company used slightly different criteria to set premium rates, so we’ll take a look at the most affordable auto insurance companies in Mississippi.

Compare Cheap Insurance Quotes for Newbies

Click to Compare Rates Now

USAA quotes some of the most affordable car insurance rates in Mississippi at around $807 a year. Travelers, Unitrin, Direct General, and ALFA would also make the list of some of the cheapest Mississippi insurance companies.

As shown above, if you are a policyholder with Direct General and switched to USAA, you could see an annual savings of approxmiately $471. Insureds with ALFA could save as much as $571 a year, and Southern Farm Bureau insureds might realize rate reductions of up to $587 a year.

Be aware that those policy rates are averaged for all types of drivers and the different vehicles they drive and do not factor in a price discount for inexperienced drivers. So the car insurance company that can offer the best rates for your situation may not even be featured in the company chart above. That emphasizes why you need to get rate quotes using your own individual information.

One of the more important components that establish the annual cost of car insurance is where you live in Mississippi. Cities with larger populations or higher claim trends like Gulfport, Biloxi, and Clarksdale tend to pay slightly more, whereas areas with less congestion have the luxury of lower rates.

The illustration below shows the highest-priced areas in Mississippi for inexperienced drivers to purchase a policy in.

Table data uses estimated as the specific Mississippi residence address can lower or raise rates noticeably.

Best auto insurance company in Mississippi

Choosing a good quality insurance provider is hard considering how many companies sell coverage in Mississippi. The company information in the next section could help you choose which auto insurance companies to look at comparing prices from. These rankings include companies with a national presence, so companies that have a smaller presence are not taken into consideration for the list.

Top 10 Large Car Insurance Companies in Mississippi Ranked by Customer Satisfaction

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

Top 10 Large Car Insurance Companies in Mississippi Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. Titan Insurance
8. The General
9. 21st Century
10. Esurance

Get discounts on Mississippi insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-inexperienced-drivers-ms.jpg" alt="Cheaper Mississippi auto insurance for new drivers”/>Insurance providers that offer cheap car insurance for inexperienced drivers in Mississippi may provide policy discounts that could lower prices by 25% or more if you qualify for them. Larger auto insurance companies and the discounts they provide are shown below.

• Mercury Insurance offers discounts for professional/association, low natural disaster claims, type of vehicle, good driver, anti-theft, annual mileage, and multi-car.
• Farmers Insurance has savings for bundle discounts, switch companies, teen driver, homeowner, and good student.
• Farm Bureau policyholders can earn discounts including multi-policy, safe driver, good student, driver training, and multi-vehicle.
• State Farm discounts include good driver, Steer Clear safe driver discount, good student, student away at school, multiple policy, and safe vehicle.
• Allstate offers premium reductions for early signing, good student, economy car, 55 and retired, multi-policy, FullPay discount, and anti-lock brakes.
• GEICO may include discounts for federal employee, multi-vehicle, daytime running lights, membership and employees, driver training, and good student.

The chart below shows the comparison of annual premium costs with and without policy discounts. The rate quotes are based on a male driver, no claims or driving citations, Mississippi state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with multiple vehicle, homeowner, multiple policy, marriage, anti-theft, and vehicle safety discounts applied. In this example, the average amount saved each year on auto insurance for inexperienced drivers is 28% or $377.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2297,1647],[‘Age 30’, 1215,881],[‘Age 40’, 1183,859],[‘Age 50’, 1083,785],[‘Age 60’, 1051,761],[‘Age 70’, 1305,939]]);var options = {title: ‘Insurance Rate Comparison with Discounts for Inexperienced Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Mississippi’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

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

If you are shopping around for auto insurance for new drivers in Mississippi, the four most popular companies are State Farm, Allstate, Progressive, and Geico. They all have slightly different coverages and options that may steer you one way or another. The data below rates pricing and service ratings, as well as optional policy coverages that may be available in Mississippi.

Who has the cheapest insurance quotes for new drivers?

Drivers have many ways to find cheaper auto insurance in Mississippi, but the three most common are through an independent agent, an exlusive agent such as Liberty Mutual or State Farm, or direct online or over the phone from a company like Progressive or Geico. Each way has the same basic process, but auto insurance buyers need to understand the differences in how they work.

Independent insurance agents work for many companies and can quote your policy with each one. Independent agents have the option to quote rates with many companies, which may provide you with the best shot at cutting your rates. If cheaper coverage is found, your policy is moved internally and you don’t have to find a new agent.

An exlusive, or captive, agency is usually restricted to a single insurance company, for example an Allstate or Liberty Mutual agent. They are unable to provide rate quotes from other companies, so if prices are high they cannot provide alternatives.

Opting to purchase auto insurance direct means you do not use local insurance agents and instead buy from a direct company like Geico or Progressive. This option may be a decent choice people who do not need advice for asset protection and have knowledge of what limits they need.

So what is the best way to find cheap car insurance for inexperienced drivers in Mississippi? We’d like to tell you buying from a direct car insurance company results in the cheapest rates since that prevents the need to pay agent commissions, but that is not always the case. And we’d like to say an independent agent guarantees the lowest rates due to more options, but again, it’s not necessarily true. In many cases, exclusive agencies have very competitive rates that other companies cannot beat.

Because there is so much variation in auto insurance prices, the best way to ensure you are not overpaying is to compare, compare, and compare some more. We recommend you get rate quotes from all three in order to have enough rates to compare. For a list of companies with some of the cheapest Mississippi auto insurance rates, click here to view.