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How much is car insurance in Ridgecrest?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Ridgecrest is about $11 cheaper than it is in the rest of California.
Similarly, car insurance rates in Ridgecrest are often favorable when viewed against the rest of the country. The average monthly payment in Ridgecrest is about $36 cheaper than the rate for the rest of the U.S.
While these are the average costs to insure your vehicle in Ridgecrest, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Ridgecrest and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay $31 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. That said, once you hit retirement, your rates may begin to go back up in Ridgecrest.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Ridgecrest, male drivers pay about $7 more a month. As you can see in the table above, male drivers in the area typically pay $49 on average, while female drivers typically pay $42 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. Drivers in Ridgecrest with a single accident will pay around $50 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $43.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$41|
In Ridgecrest, the cheapest vehicles to insure are usually SUVs, with drivers paying around $36 per month for insurance coverage.
Truck and van drivers will see rates of about $39, while the rates for car owners average out to about $49 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Ridgecrest, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$48|
Overall, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
While married drivers normally pay less than single drivers, in Ridgecrest both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$42|
Your living accommodations is another factor that affects your monthly rate. Drivers who own property in Ridgecrest can expect to pay around $3 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Ridgecrest, CA
Recent trends in car insurance for Ridgecrest drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
The cost of car insurance in Ridgecrest declined from 2017-2019, but began to increase from 2020-2021, when they reached a high of $53. Car insurance rates finished down in 2022, at $37 a month.
How does Ridgecrest compare to neighboring areas?
Why are car insurance rates in Ridgecrest different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider many factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Amount of off-street parking
- Amount of drivers in the region
- Area laws
- Road Safety (frequency of car accidents)
- Prevalence of crime
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Ridgecrest?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Ridgecrest.
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Ridgecrest Insurance FAQs
What factors affect car insurance quotes in Ridgecrest?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Ridgecrest different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Ridgecrest?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ridgecrest?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Ridgecrest or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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