Ridgewood, NY Car Insurance

The average monthly cost for car insurance in Ridgewood is about $205. To find out more check out our guide below.
How do rates in Ridgewood measure up compared to neighboring areas, including New York as a whole? How much can residents of Ridgewood expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Ridgewood?

Area Average Monthly Car Insurance Premium
Ridgewood$205
NY$199
United States$81

Looking at the chart above, you can see that it is around $6 a month more expensive to insure your vehicle in Ridgewood than it is in the rest of New York.

Likewise, drivers in Ridgewood may pay higher rates than the rest of the country. The average monthly payment in Ridgewood is about $124 more expensive than the rate for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Ridgewood, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

But don't worry, we've broken down the average rate for Ridgewood residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$394
25-34$175
35-44$165
45-54Not Enough Data
55-64$185
65+$168

The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Ridgewood drivers may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$213
Female$174

In general, female drivers pay less for car insurance than their male counterparts. In Ridgewood, this difference shakes out to about $39 per month. As illustrated in the table above, male drivers in the area pay about $213 on average, while female drivers pay around $174 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$241
Multiple Accidents$502
1 Ticket$129
Multiple Tickets$169

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Ridgewood with a single accident on their record will usually see rates around $241 a month. Likewise, drivers with one ticket will be looking at a rate of around $129 a month on average.

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$199
2-3 Years$210
4-5 Years$215
6-7 Years$214
8-10 Years$176
11-14 Years$156
15 Years or Older$232

The cheapest vehicles to insure in Ridgewood are by and large trucks and vans, with each type typically costing about $118 per month.

SUV drivers will see rates of about $187, while the rates for car owners average out to about $224 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. 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 Ridgewood, the most expensive vehicles to insure are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$212
Married$146
Divorced$230

On average, people who are married will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.

In Ridgewood, the difference in rates based on relationship status can be as much as $66 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$177
Rent$213
Live with parents$104

Your housing situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $36 a month more than if you own your own home in Ridgewood. Those who live with their parents, however, can expect to pay a lot more.

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 Ridgewood, NY

Recent trends in car insurance for Ridgewood drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

In Ridgewood, car insurance rates declined from 2016-2018, when they hit a low of $108. This shifted in 2019, when car insurance rates started to rise. They reached a high of $227 in 2020, and finished at $190 in 2021.

How does Ridgewood compare to neighboring areas?

Why are car insurance rates in Ridgewood different from other areas?

Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Local crime rates
  • Laws
  • Number of drivers in the area
  • Rate of car accidents
  • Availability of off-street parking

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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Ridgewood?

While getting familiar with 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.

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 a bulk of the car insurance companies providing plans in Ridgewood.

Compare the cheapest quotes from dozens of insurance companies

Ridgewood Insurance FAQs

What factors affect car insurance quotes in Ridgewood?

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 driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Ridgewood different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates 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 Ridgewood?

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 Ridgewood?

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 point, no matter how much time is left on your current policy. If you're thinking about moving to Ridgewood 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.

Find your best rate in just a few minutes