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Get Cheap Car Insurance in Cedar Ridge, Waco, TX
We monitor insurance prices, helping the average driver in Cedar Ridge save up to 34.2% on car insurance.
The Cheapest Minimum Coverage in Cedar Ridge
The chart below shows the cheapest car insurance company in Cedar Ridge for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.
| Cedar Ridge Insurer | Monthly Cost |
|---|---|
| Clearcover | $43 |
| Mile Auto | $56 |
| Progressive | $57 |
| State Farm | $62 |
Savings for Every Kind of Cedar Ridge Driver
Based on our extensive insurance data, we know the average Cedar Ridge driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $340 per year by choosing the right vehicle insurance company. Some Cedar Ridge residents are paying out over $1,653 extra every year for auto insurance in Cedar Ridge. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Cedar Ridge, Waco, TX Savings / Yr. |
|---|---|
$340 |
|
$778 |
|
$686 |
|
$786 |
|
$1,196 |
|
$452 |
|
$494 |
Cedar Ridge Car Insurance vs. Waco
People living in Cedar Ridge pay an average of 15.41% less than the typical driver in the state. The average driver in Cedar Ridge can expect to pay about $985 per year, or $1,653 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Cedar Ridge for most people.
Car Insurance Prices by Cedar Ridge Neighborhood
Insurance Prices
Where is insurance cheapest within Cedar Ridge?
The map shows insurance prices in and around Cedar Ridge, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $180 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,762 to a low of $1,582. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Cedar Ridge.Pick the Best Car Insurance Company for You in Cedar Ridge
The best car insurance provider for most drivers in Cedar Ridge
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $340 over the average Cedar Ridge car insurance company.
The best car insurance provider for Cedar Ridge drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $778 over the competition.
The best car insurance company for Cedar Ridge drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $686 better than other car insurance companies.
The best auto insurance for Cedar Ridge drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $786 less each year.
The least expensive car insurance company for new and young drivers in Cedar Ridge
In Cedar Ridge, State Farm costs young drivers $1,196 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Cedar Ridge
State Farm gave the largest car insurance discounts to married couples, averaging $452 saved each year compared to an average Cedar Ridge couple's premiums.
The cheapest car insurance in Cedar Ridge for drivers with bad credit
The best Cedar Ridge car insurance company for customer service
Nationwide was the best company for customer service in Cedar Ridge according to the NAIC.
Recent price drops
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The cheapest large national provider in Cedar Ridge
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Cedar Ridge driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Cedar Ridge, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.Auto Insurance Prices in and Around Cedar Ridge
What Influences the Cost of Car Insurance in Cedar Ridge?
On average, car insurance in Cedar Ridge is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Cedar Ridge is 19 minutes, which is far less than average for a driver in the city.
- Texas state insurance regulations may require higher prices.
- An average of 2 to 3 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Cedar Ridge are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Cedar Ridge has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Cedar Ridge is $82 per month for minimum coverage and $138 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- North Waco: Insurance costs 8.59% more
- Landon Branch: Insurance costs 3.27% less
- Carver: Insurance costs 5.75% more
- Brookview: Insurance costs 2.30% more
- North Lake Waco: Insurance costs 3.15% more
- Richland Hills: Insurance costs 3.39% less
- University: Insurance costs 9.98% more
- Parkdale Viking Hills: Insurance costs 0.79% more
- Baylor: Insurance costs 3.21% less
- Kendrick: Insurance costs 4.54% more
Neighborhoods with Similar Populations
- The Woodlands: Insurance costs 42.29% more
- Flying Horse: Insurance costs 15.79% more
- Stone Meadows: Insurance costs 32.67% less
- Stonewood: Insurance costs 32.85% more
- Esprit: Insurance costs 66.61% more
- Ellis Lake: Insurance costs 36.66% more
- Sunset Hills: Insurance costs 3.02% less
- Eden Isle: Insurance costs 45.01% more
- Tam O'shanter: Insurance costs 4.60% less
- Terrell Wells: Insurance costs 19.84% more