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Get Cheap Car Insurance in Ocean Ridge, FL
We monitor insurance prices, helping the average driver in Ocean Ridge save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Ocean Ridge
The chart below shows the cheapest car insurance company in Ocean 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 Geico, followed by State Farm, Gainsco, and Bristol West.
| Ocean Ridge Insurer | Monthly Cost |
|---|---|
| Geico | $144 |
| State Farm | $153 |
| Gainsco | $199 |
| Bristol West | $199 |
Savings for Every Kind of Ocean Ridge Driver
Based on our extensive insurance data, we know the average Ocean Ridge 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 $883 per year by choosing the right vehicle insurance company. Some Ocean Ridge residents are paying out over $3,017 extra every year for auto insurance in Ocean Ridge. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ocean Ridge, FL Savings / Yr. |
|---|---|
$883 |
|
$1,296 |
|
$997 |
|
$987 |
|
$3,135 |
|
$856 |
|
$1,248 |
Ocean Ridge Car Insurance vs. Florida
People living in Ocean Ridge pay an average of 14.20% more than the typical driver in the state. The average driver in Ocean Ridge can expect to pay about $2,754 per year, or $3,017 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Ocean Ridge for most people.
Car Insurance Prices by Ocean Ridge Neighborhood
Insurance Prices
Where is insurance cheapest within Ocean Ridge?
The map shows insurance prices in and around Ocean Ridge, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $36 per year within the city boundaries, with insurance premiums ranging from a high of $3,034 to a low of $2,998. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Ocean Ridge.Pick the Best Car Insurance Company for You in Ocean Ridge
The best car insurance provider for most drivers in Ocean Ridge
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $883 over the average Ocean Ridge car insurance company.
The best car insurance provider for Ocean Ridge drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,296 over the competition.
The best car insurance company for Ocean Ridge drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $997 better than other car insurance companies.
The best auto insurance for Ocean Ridge drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $987 less each year.
The least expensive car insurance company for new and young drivers in Ocean Ridge
In Ocean Ridge, Geico costs young drivers $3,135 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ocean Ridge
Geico gave the largest car insurance discounts to married couples, averaging $856 saved each year compared to an average Ocean Ridge couple's premiums.
The cheapest car insurance in Ocean Ridge for drivers with bad credit
The best Ocean Ridge car insurance company for customer service
Recent price drops
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The cheapest large national provider in Ocean Ridge
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ocean Ridge driver can expect to pay about $156 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 Ocean Ridge, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Ocean Ridge
What Influences the Cost of Car Insurance in Ocean Ridge?
On average, car insurance in Ocean Ridge 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 city are influenced by the following factors:
- 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 Ocean Ridge are higher than 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 B- according to CrimeGrade.org.
- Ocean Ridge is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Ocean Ridge is $230 per month for minimum coverage and $251 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 Cities
- Briny Breezes: Insurance costs 0.03% less
- Gulf Stream: Insurance costs 2.72% more
- Hypoluxo: Insurance costs 6.60% more
- Manalapan: Insurance costs 0.83% more
- Golf: Insurance costs 1.16% more
- Boynton Beach: Insurance costs 1.39% more
- Lantana: Insurance costs 6.17% more
- Atlantis: Insurance costs 6.73% more
- Delray Beach: Insurance costs 0.03% less
- Lake Worth: Insurance costs 4.87% more
Cities with Similar Populations
- Markle: Insurance costs 62.15% less
- Sand Fork: Insurance costs 48.49% less
- Sanborn: Insurance costs 59.89% less
- Occidental: Insurance costs 36.43% less
- Nicholson: Insurance costs 42.89% less
- New Holland: Insurance costs 62.45% less
- Mount Solon: Insurance costs 62.41% less
- Melrose: Insurance costs 61.75% less
- Maxwell: Insurance costs 60.19% less
- Marshallville: Insurance costs 43.16% less