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How much is car insurance in Ringgold?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $26 a month cheaper to insure your vehicle in Ringgold than it is in the rest of Georgia.
If you're thinking of moving to Ringgold from out of state, you may still be in luck. Auto insurance coverage in Ringgold is about $1 cheaper than it is for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Ringgold, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
But don't worry, we've broken down the average rates for Ringgold residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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Ringgold Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Ringgold.
Ringgold Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. This is true in Ringgold, where male drivers pay about $7 more per month. Based on the chart above, you can see that male drivers pay $83 on average, while female drivers typically pay $76 each month.
Ringgold Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Ringgold with a single accident on their record will usually see rates around $106 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $92 on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Ringgold Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$79|
|15 Years or Older||$74|
The cheapest vehicles to insure in Ringgold are usually trucks and vans, with each type typically costing about $69 per month.
Car owners can expect to pay an average of around $83 a month for their policy, while SUVs usually cost around $78 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Ringgold are vehicles eight-to-ten years old.
Ringgold Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Ringgold is no exception, with the difference totaling to around $17 a month.
Ringgold Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Another factor taken into consideration is your living situation. Homeowners in Ringgold 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.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Ringgold, GA
Recent trends in car insurance for Ringgold 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.
In Ringgold, the rates for car insurance went up from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $56 a 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 a variety of factors. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Area crime rates
- Off-street parking access
- Road safety
- Number of drivers
- Area regulations
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
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 by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer policies in Ringgold.
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Ringgold Auto 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 you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Ringgold different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Ringgold?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Ringgold 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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