Table of contents
How much is car insurance in Ridgecrest?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Ridgecrest typically costs about $10 a month less than it does in the rest of California.
Drivers relocating from out of state may enjoy some cost savings in Ridgecrest. The average monthly payment in Ridgecrest is about $34 less than the rate for the rest of the U.S.
These rates may be the average amount residents of Ridgecrest pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
We've done the heavy lifting for you and broken down the average rate for Ridgecrest so that you can get a more accurate idea of what your monthly bill might be. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay $27 more than drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may start to rise again in Ridgecrest.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Ridgecrest, this difference shakes out to about $10 a month. Looking at the table above, you can see that female drivers pay around $41 on average, while male drivers typically pay $51 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Ridgecrest, a driving record with a single accident will usually get you a rate around $40 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $44.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$42|
The most affordable vehicles to insure in Ridgecrest are by and large SUVs, which run about $35 per month.
Truck and van drivers will see rates of about $39, while the rates for car owners average out to about $49 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Ridgecrest, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
More often than not, people who are married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
While married drivers normally pay less for auto insurance than single drivers, Ridgecrest bucks this trend as both groups pay around the same rate for coverage.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$42|
One other element taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Ridgecrest. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Ridgecrest, CA
Recent trends in car insurance for Ridgecrest drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The rates for car insurance in Ridgecrest have been mixed as of late, they increased in 2016, declined in 2018, and rose again in 2020, before finishing at $64 in 2021.
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 coverage, car insurance companies will review a number of factors. Your insurance policy will depend largely on your home address and will be influenced by things such as:
- Rate of car accidents
- Local crime rates
- Off-street parking availability
- Amount of drivers in the community
- Regional regulations
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Ridgecrest?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Ridgecrest in no time.
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 marital status, credit score, address, and driving record.
Why is the cost of car insurance in Ridgecrest different from other neighboring cities?
Parking situations, local laws, 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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Ridgecrest or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?