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Get Cheap Car Insurance in Friends of Ridgecrest, Largo, FL

We monitor insurance prices, helping the average driver in Friends of Ridgecrest save up to 34.6% on car insurance.

 

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The Cheapest Minimum Coverage in Friends of Ridgecrest

The chart below shows the cheapest car insurance company in Friends of Ridgecrest 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 Geico, followed by State Farm, Gainsco, and Bristol West.

 
Friends of Ridgecrest Insurer Monthly Cost
Geico $136
State Farm $144
Gainsco $188
Bristol West $188

Savings for Every Kind of Friends of Ridgecrest Driver

The table shows how much the average auto insurance customer in Friends of Ridgecrest might save by following our recommendations.

Based on our extensive insurance data, we know the average Friends of Ridgecrest driver will save about 29% 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 $832 per year by choosing the right vehicle insurance company. Some Friends of Ridgecrest residents are paying out over $2,844 extra every year for auto insurance in Friends of Ridgecrest. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Friends of Ridgecrest, Largo, FL Savings / Yr.
$832
$1,222
$940
$930
$2,955
$807
$1,177

Friends of Ridgecrest Car Insurance vs. Largo

People living in Friends of Ridgecrest pay an average of 7.65% more than the typical driver in the state. The average driver in Friends of Ridgecrest can expect to pay about $2,597 per year, or $2,844 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Friends of Ridgecrest for most people.

Car Insurance Prices by Friends of Ridgecrest Neighborhood

Friends of Ridgecrest, Largo, FL map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Friends of Ridgecrest?

The map shows insurance prices in and around Friends of Ridgecrest, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $25 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,856 to a low of $2,831. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Friends of Ridgecrest.

Pick the Best Car Insurance Company for You in Friends of Ridgecrest

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Friends of Ridgecrest insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Friends of Ridgecrest

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $832 over the average Friends of Ridgecrest car insurance company.

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We use the average good driver, paying $168 per month, as our baseline for pricing in Friends of Ridgecrest. State Farm, Geico, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Friends of Ridgecrest drivers with accidents on their records

In Friends of Ridgecrest getting into an accident will raise premiums an average 28% for a yearly cost of $3,949. That's $1,105 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Travelers are good choices for drivers with accidents.

In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,222 over the competition.

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The best car insurance company for Friends of Ridgecrest drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $940 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Friends of Ridgecrest, tickets raise premiums on new quotes about $792. If you have a speeding ticket, we recommend State Farm, Geico, and Gainsco for savings that beat the average insurance cost of $3,637 per year.

The best auto insurance for Friends of Ridgecrest drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,882 per year in auto insurance premiums, which was $1,038 more than a driver with no major issues. State Farm, Geico, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Geico may cost the average person with a DUI about $930 less each year.

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The least expensive car insurance company for new and young drivers in Friends of Ridgecrest

In Friends of Ridgecrest, Geico costs young drivers $2,955 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Friends of Ridgecrest. With an average cost of $8,535 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Friends of Ridgecrest

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $200. State Farm, Geico, and Progressive provided the largest discounts to couples living in Friends of Ridgecrest.

Geico gave the largest car insurance discounts to married couples, averaging $807 saved each year compared to an average Friends of Ridgecrest couple's premiums.

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The cheapest car insurance in Friends of Ridgecrest for drivers with bad credit

People with poor credit saved an average of $1,177 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,360 every year. Premiums for people with poor credit were about $4,204 in Friends of Ridgecrest. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Gainsco.

The best Friends of Ridgecrest car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Friends of Ridgecrest, the National Association of Insurance Commissioners (NAIC) ranks Allstate as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Friends of Ridgecrest.

Allstate was the best company for customer service in Friends of Ridgecrest according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Friends of Ridgecrest, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Friends of Ridgecrest. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Friends of Ridgecrest

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 38% of Friends of Ridgecrest residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Friends of Ridgecrest driver can expect to pay about $156 per month.

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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 Friends of Ridgecrest, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Friends of Ridgecrest

What Influences the Cost of Car Insurance in Friends of Ridgecrest?

On average, car insurance in Friends of Ridgecrest is more expensive than the rest of the state. These high 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 Friends of Ridgecrest is 27 minutes, which is a little less than average for a driver in the city.
  • Florida state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Friends of Ridgecrest are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Friends of Ridgecrest 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 Friends of Ridgecrest is $216 per month for minimum coverage and $237 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

Neighborhoods with Similar Populations

* Who is the average Friends of Ridgecrest driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Friends of Ridgecrest with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.