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How much is car insurance in Ringgold?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Ringgold is about $27 cheaper than it is in the rest of Georgia.
Likewise, the expected monthly payments for an auto insurance policy in Ringgold are below the national average. It's about $2 cheaper than the national average to insure your vehicle in Ringgold.
While these are the average car insurance rates for Ringgold, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
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|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Ringgold may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This rings true in Ringgold, where women pay around $6 less per month than men. Based on the chart above, you can see that male drivers pay $83 on average, while female drivers typically pay $77 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Ringgold with one accident will pay around $106 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $92.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$79|
|15 Years or Older||$75|
The cheapest vehicles to insure in Ringgold are by and large trucks and vans, with each type typically costing about $69 per month.
SUV drivers will see rates of about $79 to insure their vehicle, while car owners typically pay around $83 per month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Ringgold, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$87|
Overall, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Ringgold is about $18 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $10 a month more than if you own your own home in Ringgold. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Ringgold, GA
Recent trends in car insurance for Ringgold drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
In Ringgold, car insurance rates rose from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $57 a month.
How does Ringgold compare to neighboring areas?
Why are car insurance rates in Ringgold different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Number of car accidents
- Amount of drivers
- Crime rates
- Amount of off-street parking
- Regional regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making 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 Ringgold?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Ringgold.
Ringgold Insurance FAQs
What factors affect car insurance quotes in Ringgold?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Ringgold different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Ringgold?
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 Ringgold?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
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.