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How much is car insurance in Ridgeland?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $21 a month more expensive to insure your vehicle in Ridgeland than it is in the rest of South Carolina.
If you're considering relocating to Ridgeland from out of state, you may want to budget a little extra for your insurance. The average monthly payment in Ridgeland is about $40 more expensive than the rate for the rest of the U.S.
Although these are the average rates for auto insurance in Ridgeland, that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Ridgeland and broken down the different factors to help you understand what your monthly bill might look like. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance premiums. According to the table above, you can see that 18-24-year-olds pay $81 more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Ridgeland drivers may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men to insure their car, in Ridgeland men actually pay $106 per month for coverage while women pay $128.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay much less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Ridgeland, drivers with one accident on their record will experience rates around $211 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $125.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$89|
|15 Years or Older||$113|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Ridgeland, with drivers paying around $98 per month to insure their vehicle.
SUV drivers will see rates of about $110, while the rates for car owners average out to about $128 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Ridgeland are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$125|
Overall, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Ridgeland follows that pattern, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$156|
Another factor taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $20 a month more than homeowners in Ridgeland. 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 Ridgeland, SC
Recent trends in car insurance for Ridgeland drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Car insurance rates in Ridgeland rose from 2016-2017, before steadying out in 2018. They finished up in 2021, at $148 a month
How does Ridgeland compare to neighboring areas?
Why are car insurance rates in Ridgeland different from other areas?
Car insurance companies will take into account many factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Total number of drivers in the community
- Road Safety (frequency of car accidents)
- Prevalence of crime
- Off-street parking availability
- Local laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Ridgeland?
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.
But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Ridgeland.
Ridgeland Insurance FAQs
What factors affect car insurance quotes in Ridgeland?
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 year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Ridgeland different from other neighboring cities?
Things like parking situations, local laws, and crime rates, 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 Ridgeland?
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 Ridgeland?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 Ridgeland 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?