Table of contents
How much is car insurance in Ringgold?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Ringgold | $80 |
| GA | $104 |
| United States | $80 |
Auto insurance coverage in Ringgold is about $24 cheaper than it is in the rest of Georgia.
Compared to the national average cost of auto insurance coverage, Ringgold has lower rates. It's about $0 cheaper to insure your vehicle in Ringgold compared to the average rate for the United States as a whole.
While these are the average car insurance rates for Ringgold, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't worry, we've done the work for you and broken down average rates for Ringgold to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $128 |
| 25-34 | $73 |
| 35-44 | $69 |
| 45-54 | Not Enough Data |
| 55-64 | $63 |
| 65+ | $61 |
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may climb back up a bit in Ringgold.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $83 |
| Female | $79 |
In general, female drivers pay less for car insurance than their male counterparts. The difference in Ringgold is around $4 per month. As illustrated in the table above, male drivers in the area pay about $83 on average, while female drivers pay around $79 each month.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $101 |
| Multiple Accidents | $113 |
| 1 Ticket | $75 |
| Multiple Tickets | $142 |
Your driving record can have a tremendous impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Ringgold, drivers with one accident on their record will experience rates around $101 a month. In addition, drivers with a single ticket on their record can expect to pay around $75 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $82 |
| 2-3 Years | $99 |
| 4-5 Years | $68 |
| 6-7 Years | $89 |
| 8-10 Years | $101 |
| 11-14 Years | $79 |
| 15 Years or Older | $75 |
In Ringgold, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $68 per month for insurance coverage.
SUV drivers will see rates of about $81, while the rates for car owners average out to about $83 a 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. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. In Ringgold, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $89 |
| Married | $71 |
| Divorced | $65 |
| Widowed | $58 |
More often than not, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
According to the table above, the difference in rates based on relationship status in Ringgold can be as much as $18 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $73 |
| Rent | $82 |
| Live with parents | $111 |
Another factor that comes into play is your living accommodations. In Ringgold, homeowners can expect to pay around $9 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Ringgold, GA
Recent trends in car insurance for Ringgold drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.
The cost of auto insurance coverage in Ringgold had been increasing from 2016-2018, before steadying out in 2019. Car insurance rates finished down in 2021, at $81 per month
How does Ringgold compare to neighboring areas?
Why are car insurance rates in Ringgold different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Road Safety (frequency of car accidents)
- Regional crime rates
- Amount of off-street parking
- Local regulations
- Total amount of drivers in the community
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 cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Ringgold?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com will handle the heavy lifting for you. Put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Ringgold.
Ringgold Insurance FAQs
What factors affect car insurance quotes in Ringgold?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Ringgold different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Ringgold?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Ringgold?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Ringgold or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.