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Get Cheap Car Insurance in Charlton, MS

We monitor insurance prices, helping the average driver in Charlton save up to 32.0% on car insurance.

 

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The Cheapest Minimum Coverage in Charlton

The chart below shows the cheapest car insurance company in Charlton for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Farm Bureau, Safeco Insurance, and Progressive.

 
Charlton Insurer Monthly Cost
State Farm $64
Farm Bureau $66
Safeco Insurance $68
Progressive $75

Savings for Every Kind of Charlton Driver

The table shows how much the average auto insurance customer in Charlton might save by following our recommendations.

Based on our extensive insurance data, we know the average Charlton driver will save about 17% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $296 per year by choosing the right vehicle insurance company. Some Charlton residents are paying out over $1,729 extra every year for auto insurance in Charlton. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Charlton, MS Savings / Yr.
Drivers with good records
$296
Drivers with accidents
$493
Drivers with speeding tickets
$385
Drivers with a DUI conviction
$757
Young drivers
$1,755
Married drivers
$253
Drivers with bad credit
$772

Charlton Car Insurance vs. Mississippi

People living in Charlton pay an average of 1.26% more than the typical driver in the state. The average driver in Charlton can expect to pay about $984 per year, or $1,729 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Charlton for most people.

Car Insurance Prices by Charlton Neighborhood

Charlton, MS map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Charlton?

The map shows insurance prices in and around Charlton, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $99 per year within the city boundaries, with insurance premiums ranging from a high of $1,792 to a low of $1,693. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Charlton.

Pick the Best Car Insurance Company for You in Charlton

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Charlton insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Charlton

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $296 over the average Charlton car insurance company.

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We use the average good driver, paying $120 per month, as our baseline for pricing in Charlton. State Farm, Geico, and Farm Bureau are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Charlton drivers with accidents on their records

In Charlton getting into an accident will raise premiums an average 31% for a yearly cost of $2,491. That's $761 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Farm Bureau are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $493 over the competition.

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The best car insurance company for Charlton drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $385 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Charlton, tickets raise premiums on new quotes about $440. If you have a speeding ticket, we recommend State Farm, Geico, and Farm Bureau for savings that beat the average insurance cost of $2,170 per year.

The best auto insurance for Charlton drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,980 per year in auto insurance premiums, which was $1,251 more than a driver with no major issues. State Farm, Progressive, and Farm Bureau penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $757 less each year.

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The least expensive car insurance company for new and young drivers in Charlton

In Charlton, Farm Bureau costs young drivers $1,755 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 68% more for insurance than more mature drivers in Charlton. With an average cost of $5,480 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Charlton

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $219. State Farm, Progressive, and Farm Bureau provided the largest discounts to couples living in Charlton.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $253 saved each year compared to an average Charlton couple's premiums.

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The cheapest car insurance in Charlton for drivers with bad credit

People with poor credit saved an average of $772 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,266 every year. Premiums for people with poor credit were about $2,995 in Charlton. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Farm Bureau, and Bristol West.

The best Charlton car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Charlton, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in Charlton.

Nationwide was the best company for customer service in Charlton according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Charlton, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Charlton. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Charlton

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 21% of Charlton residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Charlton driver can expect to pay about $118 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Charlton, USAA has the best prices for married couples, drivers with bad credit, drivers with a DUI conviction, good drivers, drivers with speeding tickets, drivers with accidents, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Charlton

What Influences the Cost of Car Insurance in Charlton?

On average, car insurance in Charlton is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Charlton is 36 minutes, which is about the national average for a driver in the state.
  • Mississippi state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Charlton are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Charlton is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Charlton is $82 per month for minimum coverage and $144 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Charlton driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Charlton with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.