Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Ridgeland, SC
We monitor insurance prices, helping the average driver in Ridgeland save up to 29.7% on car insurance.
The Cheapest Minimum Coverage in Ridgeland
The chart below shows the cheapest car insurance company in Ridgeland 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, Auto-Owners Insurance, and Safeco Insurance.
| Ridgeland Insurer | Monthly Cost |
|---|---|
| Geico | $59 |
| State Farm | $67 |
| Auto-Owners Insurance | $67 |
| Safeco Insurance | $74 |
Savings for Every Kind of Ridgeland Driver
Based on our extensive insurance data, we know the average Ridgeland driver will save about 22% 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 $368 per year by choosing the right vehicle insurance company. Some Ridgeland residents are paying out over $1,681 extra every year for auto insurance in Ridgeland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ridgeland, SC Savings / Yr. |
|---|---|
$368 |
|
$661 |
|
$559 |
|
$695 |
|
$1,361 |
|
$312 |
|
$404 |
Ridgeland Car Insurance vs. South Carolina
People living in Ridgeland pay an average of 3.18% more than the typical driver in the state. The average driver in Ridgeland can expect to pay about $988 per year, or $1,681 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Ridgeland for most people.
Car Insurance Prices by Ridgeland Neighborhood
Insurance Prices
Where is insurance cheapest within Ridgeland?
The map shows insurance prices in and around Ridgeland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $299 per year within the city boundaries, with insurance premiums ranging from a high of $1,807 to a low of $1,508. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Ridgeland.Pick the Best Car Insurance Company for You in Ridgeland
The best car insurance provider for most drivers in Ridgeland
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $368 over the average Ridgeland car insurance company.
The best car insurance provider for Ridgeland drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $661 over the competition.
The best car insurance company for Ridgeland drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $559 better than other car insurance companies.
The best auto insurance for Ridgeland drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $695 less each year.
The least expensive car insurance company for new and young drivers in Ridgeland
In Ridgeland, Geico costs young drivers $1,361 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ridgeland
Geico gave the largest car insurance discounts to married couples, averaging $312 saved each year compared to an average Ridgeland couple's premiums.
The cheapest car insurance in Ridgeland for drivers with bad credit
The best Ridgeland car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Ridgeland, which was better than other insurers.
The cheapest large national provider in Ridgeland
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Ridgeland driver can expect to pay about $110 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 Ridgeland, USAA has the best prices for drivers with speeding tickets, married couples, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and young drivers.Auto Insurance Prices in and Around Ridgeland
What Influences the Cost of Car Insurance in Ridgeland?
On average, car insurance in Ridgeland 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:
- The average commute time in Ridgeland is 38 minutes, which is a little more than average for a driver in the state.
- South Carolina state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Ridgeland are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Ridgeland is a fairly densely populated area in the state. The city’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 Ridgeland is $82 per month for minimum coverage and $140 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
- Old House: Insurance costs 7.26% less
- Mitchellville: Insurance costs 0.65% more
- Switzerland: Insurance costs 5.65% less
- Nevadun: Insurance costs 0.71% more
- Gillisonville: Insurance costs 0.71% less
- Coosawatchie: Insurance costs 4.46% more
- Laurel Bay: Insurance costs 1.67% less
- Tillman: Insurance costs 3.33% more
- Sheldon: Insurance costs 0.24% more
- Purysburgh: Insurance costs 7.50% more
Cities with Similar Populations
- Albertville: Insurance costs 1.25% less
- Alcoa: Insurance costs 17.55% less
- Allegan: Insurance costs 61.39% more
- Allouez: Insurance costs 36.35% less
- Alma: Insurance costs 2.80% less
- Ardmore: Insurance costs 11.54% less
- Patchogue: Insurance costs 55.50% more
- Oneonta: Insurance costs 10.17% less
- Orange: Insurance costs 19.45% more
- Orrville: Insurance costs 36.82% less