I was talking to my mom today, and she said it might be a good idea for me to get life insurance right now.
Is this the same mother who needs her own son to help her pay off her debt? And you're going to take money advice from her?
Apparently, once you hit 20, 30, etc. your rates go up a lot? And if I get term life insurance right now, I will be able to keep the same rates for the rest of my life
Your rates are based on your age, and dozens of other factors. Of course, all other things being equal, the older you are, the higher your rates will be. However, right now you have no need for life insurance, so every dollar you spend on it now will be a dollar wasted. You have no dependents, so you don't need life insurance.
Also, with term life insurance (the only
kind you should ever consider), your rates don't stay the same for your entire life. They stay the same for the length of the "term." That's why it's called "term" life insurance. After the end of the term, the rates adjust.
she estimated I could get like a $1 million one for $10 or $20 a month. Is this accurate at all?
Why don't you go to any insurance company's website and fill in their online quote form and see for yourself?
But the bottom line is, no, you do not need life insurance at all. And you shouldn't take money advice from broke people.