Cheapest Car Insurance Quotes in Ridgeway

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Ridgeway Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Ridgeway

The car insurance rate in Ridgeway is $986 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $821, making it a popular choice for budget-conscious drivers. Rates in Ridgeway can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Ridgeway

$986

Avg. Car Insurance in Alaska

$1027

National Average

$1140

Cheapest Car Insurance Companies in Ridgeway

1st place: Progressive

At $821 for a six month policy, Progressive offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $873 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $947 for six months, making it the third cheapest auto insurance company in Ridgeway.

Ridgeway Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ridgeway, AK is Progressive, offering policies at just $821 for a six-month term. This is followed by USAA, which has an average six-month premium of $873.

At the higher end of the spectrum, Western National is the most expensive, with rates reaching $713 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ridgeway drivers find the best deals.

Cheap Car Insurance Companies in Ridgeway, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$821	$138
USAA	$873	$147
State Farm	$947	$159
Umialik	$1129	$190
Allstate	$1437	$245
Western National	$713	$119

Key Takeaways

Way's key takeaways about car insurance in Ridgeway

The auto insurance costs in Ridgeway fall around $821 for six months.
The cheapest auto insurance company in Ridgeway is USAA.
Teen drivers pay the highest rate in Ridgeway at $90 per month.

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Cheapest Minimum Liability Car Insurance in Ridgeway

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Ridgeway are given below.

USAA provides the cheapest minimum car insurance coverage in Ridgeway. Their Average 6 Month Premium is $171. Western National is the most expensive at $251 for the same period.

Cheapest Liability Coverage in Ridgeway, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$171	$29
Progressive	$251	$42
State Farm	$274	$46
Allstate	$285	$48
Umialik	$285	$48
Western National	$251	$42

Cheapest Full Coverage Car Insurance in Ridgeway

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Ridgeway is Progressive at $138 per month and $821 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ridgeway, AK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$821	$138
USAA	$873	$147
State Farm	$947	$159
Umialik	$1129	$190
Allstate	$1437	$245
Western National	$713	$119

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Average Car Insurance in Ridgeway by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Ridgeway, AK increasing?

Despite maintaining a clean driving record, your car insurance rates in Ridgeway, Alaska, may be increasing due to several external factors. Alaska has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Ridgeway's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ridgeway

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$590
30s	USAA	$446
40s	USAA	$413
50s	USAA	$389
60s	USAA	$403
70s	USAA	$494

Cheapest Car Insurance Rates for Teen Drivers in Ridgeway,AK

If you are planning to get a car insurance policy for your teenage dependent, State Farm provides the cheapest car insurance in the Ridgeway at $199 per month. At $530 for a six-month premium, Western National offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$1181	$199
USAA	$1363	$228
Umialik	$2167	$369
Progressive	$2196	$370
Allstate	$2332	$396
Western National	$530	$90

Teen Car Insurance Rates in AK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Ridgeway.

As young drivers face the highest rates in Ridgeway, USAA offers the cheapest auto insurance rates at $590 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Ridgeway, Allstate is the cheapest car insurance provider. At $770 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Ridgeway is Western National, offering rates of around $564 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Allstate	$770	$130
Progressive	$912	$154
Umialik	$929	$156
USAA	$1044	$178
State Farm	$2440	$407
Western National	$564	$94

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Car Insurance Rates with An Accident in Ridgeway

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Ridgeway, AK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ridgeway

The cheapest car insurance companies after an at-fault accident in Ridgeway include State Farm and Umialik, offering $479 and $508, respectively. Western National is an expensive provider with an average six-month premium of $251.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$479	$81
Umialik	$508	$85
USAA	$576	$97
Allstate	$896	$151
Progressive	$964	$162
Western National	$251	$42

Ridgeway Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ridgeway AK. For example, the car insurance in Ridgeway after a DUI increases to $485 for a six month policy. While the rate increases by $184 for a six-month policy in the case of a speeding ticket.

Ridgeway auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1003	$167
Not-at-fault accident	$1009	$172
One comp claim	$1009	$168
One Med/PIP claim	$1009	$172
Two comp claims	$1009	$168
Two Med/PIP claims	$1009	$172
Failure to show documents	$1094	$182
At-fault accident - less than $1000	$1129	$192
Failure to wear a seat belt	$1152	$192
Child safety restraint	$1164	$198
Driving without lights	$1164	$194
Cell phone violation	$1187	$202
Driving too slowly	$1187	$198
In 65 MPH zone	$1187	$202
Speeding 11 - 15 MPH over limit	$1187	$198
Speeding 16 - 20 MPH over limit	$1187	$202
Speeding 6 - 10 MPH over limit	$1187	$198
Speeding in school zone	$1187	$202
Texting while driving	$1187	$198
Driving with expired registration	$1203	$204
Failure to stop at a red light	$1203	$201
Failure to yield	$1203	$204
Following too closely	$1203	$201
Illegal turn	$1203	$204
Improper passing	$1203	$201
Wrong way/wrong lane	$1203	$204
Speeding 21 - 25 MPH over limit	$1226	$204
Passing school bus	$1237	$210
Operating a vehicle without permission	$1249	$208
Open container	$1346	$228
At-fault accident - $1000-$2000	$1369	$228
At-fault accident - greater than $2000	$1369	$232
Driving with a suspended license	$1426	$238
Refusal to submit to a chemical test	$1431	$244
Reckless driving	$1466	$244
DUI	$1488	$253
Racing	$1569	$261
Leaving scene of an accident/hit and run	$1573	$268

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Ridgeway after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Ridgeway.

The cheapest car insurance premiums in Ridgeway are offered by Umialik at $661 for a six-month policy. However, it can be as expensive as $251 with companies like Western National.

Ridgeway car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$661	$111
Progressive	$935	$157
State Farm	$1129	$190
USAA	$1220	$205
Allstate	$1660	$279
Western National	$251	$42

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Ridgeway are offered by Umialik at $519. However, it can be as expensive as $251 with companies like Western National for a similar six-month premium.

Cheapest Car Insurance in Ridgeway after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$519	$87
State Farm	$673	$113
USAA	$713	$119
Allstate	$975	$166
Progressive	$981	$165
Western National	$251	$42

Car Insurance Price Trends in Ridgeway, Alaska

Car insurance rates in Ridgeway have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Ridgeway rose by $176 in December compared to $171 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Ridgeway rose to $41 in December, compared to $39 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ridgeway?

The car insurance in Ridgeway is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Ridgeway?

The cheapest car insurance in Ridgeway is $138 per month for full coverage.

How much is car insurance in Ridgeway for teenagers?

Car insurance for teenagers costs $1181 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Ridgeway?

The average cost of car insurance is $1027 for a six-month policy. It will cost around $166 per month to insure your car in Ridgeway.

Is car insurance expensive in Ridgeway?

Car insurance can be expensive in Ridgeway if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ridgeway can be affordable.

What is the best car insurance in Ridgeway, AK?

The best car insurance company in Ridgeway AK is Progressive, offering $821 for a six-month policy.