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Finding the cheapest car insurance quotes in West Ridge shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 West Ridge
The car insurance rate in West Ridge is $1021 for a six-month policy, which is $30 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $495, making it a popular choice for budget-conscious drivers. Rates in West Ridge 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.
At $495 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Travelers
Travelers offers auto
insurance rates at $649 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AAA
AAA offers auto insurance
rates at $666
for six months, making it
the third cheapest auto insurance company in West Ridge.
West Ridge Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in West Ridge, AR is AutoOwners Insurance Co, offering policies at just $495 for a six-month term. This is followed by Travelers, which has an average six-month premium of $649.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1805 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Ridge drivers find the best deals.
Way's key takeaways about car insurance in West Ridge
The auto insurance costs in West Ridge fall around $495 for six
months.
The cheapest auto insurance company in West Ridge is USAA.
Teen drivers pay the highest rate in West Ridge at $1191 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in West Ridge
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 West Ridge are given below.
USAA provides
the cheapest minimum car insurance
coverage in West Ridge. Their Average 6 Month Premium is $183.
Farmers is the most
expensive at $666 for the same
period.
Cheapest Full Coverage Car Insurance in West Ridge
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 West Ridge is AutoOwners Insurance Co
at $84 per month and $495
for six months.
Cheapest Full Coverage Car Insurance Quotes in West Ridge,
AR
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Average Car Insurance in West Ridge 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 West Ridge, AR increasing?
Despite maintaining a clean driving record, your car insurance rates
in West Ridge, Arkansas, may be increasing due to several external factors.
Arkansas has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, West Ridge's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in West Ridge
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
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Cheapest Car Insurance Rates for Teen Drivers in
West Ridge,AR
If you are planning to get a car insurance policy for your teenage
dependent, Hanover provides the cheapest car
insurance in the West Ridge at $27
per
month. At $7005 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in West Ridge.
As young drivers face the highest rates in West Ridge, N/A
offers the cheapest auto insurance rates at $N/A 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 West Ridge,
Nationwide is
the cheapest car insurance provider. At $275 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
West Ridge is State Farm, offering
rates of around $5072 for six
months.
Save up to $971/yr on car insurance rates in West Ridge.
Car Insurance Rates with An Accident in West Ridge
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 West Ridge, AR,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in West Ridge
The cheapest car insurance companies after an at-fault accident in
West Ridge include Hanover
and Travelers, offering $183
and $312,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2692.
Here is a list of driving violations that can increase your car
insurance rates in West Ridge AR. For example, the car
insurance in West Ridge
after a DUI increases to $691 for a six
month policy. While the rate increases by $293 for a six-month policy in the case of
a speeding ticket.
West Ridge auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1224
$204
One Med/PIP claim
$1242
$211
Not-at-fault accident
$1248
$208
One comp claim
$1248
$212
Two Med/PIP claims
$1267
$211
Two comp claims
$1297
$220
Failure to wear a seat belt
$1469
$245
Child safety restraint
$1480
$251
Driving without lights
$1480
$247
Failure to show documents
$1499
$254
Driving with expired registration
$1517
$253
Speeding 6 - 10 MPH over limit
$1517
$258
Driving too slowly
$1523
$254
Speeding 11 - 15 MPH over limit
$1523
$259
Speeding in school zone
$1523
$254
Speeding 16 - 20 MPH over limit
$1530
$261
Failure to stop at a red light
$1536
$255
Failure to yield
$1536
$262
Wrong way/wrong lane
$1542
$256
Cell phone violation
$1548
$264
In 65 MPH zone
$1548
$258
Texting while driving
$1548
$264
Following too closely
$1554
$259
Illegal turn
$1554
$265
Improper passing
$1554
$259
Speeding 21 - 25 MPH over limit
$1584
$270
At-fault accident - less than $1000
$1590
$265
Passing school bus
$1603
$273
Operating a vehicle without permission
$1652
$275
Open container
$1683
$286
At-fault accident - $1000-$2000
$1719
$286
At-fault accident - greater than $2000
$1725
$294
DUI
$1915
$319
Racing
$1915
$325
Refusal to submit to a chemical test
$1915
$319
Reckless driving
$1946
$331
Driving with a suspended license
$2000
$334
Leaving scene of an accident/hit and run
$2037
$346
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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 West Ridge 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 West Ridge.
The cheapest car insurance premiums in
West Ridge are
offered by Hanover at $196 for a six-month policy.
However, it can be as
expensive as $2704 with companies
like AutoOwners.
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 West Ridge are offered by Hanover
at $171. However,
it can be as expensive as $2148
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in West Ridge after Speeding ticket
Car Insurance Price Trends in West Ridge,
Arkansas
Car insurance rates in West Ridge have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the West Ridge rose by
$219 in January
compared to $204 of December. In other words, there has been an increase by $15 when you
compare January and December.
The average cost of liability insurance in the West Ridge rose to $48 in January,
compared to $47 in December.
This represents an increase of $1
when comparing January and December.
Average Car Insurance Cost in West Ridge by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
West Ridge. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in West Ridge?
The car insurance in West Ridge is $31 per month, which is lower than the national average.
What is the cheapest car insurance in West Ridge?
The cheapest car insurance in West Ridge
is $84 per month
for full coverage.
How much is car insurance in West Ridge for teenagers?
Car insurance for teenagers costs $159 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
West Ridge?
The average cost of car insurance is $991 for a six-month
policy. It will cost around $172 per month to insure your
car in West Ridge.
Is car insurance expensive in West Ridge?
Car insurance can be expensive in West Ridge if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in West Ridge can be
affordable.
What is the best car insurance in West Ridge,
AR?
The best car insurance company in West Ridge
AR is
AutoOwners Insurance Co, offering $495 for a
six-month policy.
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Find Car Insurance Rates in Cities Near West Ridge, AR
Car Insurance Rates by State in the USA (2025 Update)
West Ridge Car Insurance
