Cheapest Car Insurance Quotes in Ocean Ridge

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Ocean Ridge Car Insurance

^$ 85

/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 Ocean Ridge

The car insurance rate in Ocean Ridge is $2308 for a six-month policy, which is $683 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1375, making it a popular choice for budget-conscious drivers. Rates in Ocean 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.

Avg. Car Insurance in Ocean Ridge

$2308

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Ocean Ridge

1st place: Travelers

At $1375 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1535 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1678 for six months, making it the third cheapest auto insurance company in Ocean Ridge.

Ocean Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ocean Ridge, FL is Travelers, offering policies at just $1375 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1535.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3391 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ocean Ridge drivers find the best deals.

Cheap Car Insurance Companies in Ocean Ridge, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1375	$231
State Farm	$1535	$258
Nationwide	$1678	$283
Progressive	$1779	$300
United Automobile Ins Group	$1940	$324
UAIC	$2126	$362
Allstate	$3466	$578
Mercury	$3661	$622
MetLife	$2134	$364
Farmers	$3391	$565

Key Takeaways

Way's key takeaways about car insurance in Ocean Ridge

The auto insurance costs in Ocean Ridge fall around $1375 for six months.
The cheapest auto insurance company in Ocean Ridge is Travelers.
Teen drivers pay the highest rate in Ocean Ridge at $1961 per month.

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Cheapest Minimum Liability Car Insurance in Ocean 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 Ocean Ridge are given below.

Travelers provides the cheapest minimum car insurance coverage in Ocean Ridge. Their Average 6 Month Premium is $506. Farmers is the most expensive at $936 for the same period.

Cheapest Liability Coverage in Ocean Ridge, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$506	$85
State Farm	$548	$92
Mercury	$608	$102
Nationwide	$675	$115
MetLife	$709	$118
AIG	$792	$135
Progressive	$995	$168
United Automobile Ins Group	$1021	$173
UAIC	$1105	$185
Allstate	$1265	$213
Patrons Insurance	$178	$30
Farmers	$936	$156

Cheapest Full Coverage Car Insurance in Ocean 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 Ocean Ridge is Travelers at $231 per month and $1375 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ocean Ridge, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1375	$231
State Farm	$1535	$258
Nationwide	$1678	$283
Progressive	$1779	$300
United Automobile Ins Group	$1940	$324
UAIC	$2126	$362
Allstate	$3466	$578
Mercury	$3661	$622
MetLife	$2134	$364
Farmers	$3391	$565

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Average Car Insurance in Ocean 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 Ocean Ridge, FL increasing?

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

Additionally, Ocean 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 Ocean 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

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Cheapest Car Insurance Rates for Teen Drivers in Ocean Ridge,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Ocean Ridge at $128 per month. At $11530 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$768	$128
AIG	$1038	$176
Travelers	$2261	$381
State Farm	$2716	$457
UAIC	$3618	$609
United Automobile Ins Group	$4783	$814
Allstate	$5904	$994
Progressive	$7600	$1279
Mercury	$8991	$1514
Farmers	$11530	$1961

Teen Car Insurance Rates in FL by Age

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 Ocean Ridge, Nationwide is the cheapest car insurance provider. At $919 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 Ocean Ridge is Farmers, offering rates of around $4690 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$919	$156
Mercury	$1004	$168
Direct General Insurance	$1047	$178
UAIC	$2033	$339
Travelers	$2227	$375
Progressive	$3914	$652
Allstate	$6866	$1167
State Farm	$7026	$1172
Farmers	$4690	$798

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Car Insurance Rates with An Accident in Ocean 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 Ocean Ridge, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Ridge

The cheapest car insurance companies after an at-fault accident in Ocean Ridge include Nationwide and AIG, offering $970 and $1240, respectively. Farmers is an expensive provider with an average six-month premium of $4731.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$970	$162
AIG	$1240	$210
State Farm	$1443	$243
Travelers	$1468	$247
United Automobile Ins Group	$2522	$420
Mercury	$2606	$439
UAIC	$2640	$440
Progressive	$3458	$582
Allstate	$6157	$1037
Farmers	$4731	$788

Ocean Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ocean Ridge FL. For example, the car insurance in Ocean Ridge after a DUI increases to $1332 for a six month policy. While the rate increases by $405 for a six-month policy in the case of a speeding ticket.

Ocean Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2590	$432
One Med/PIP claim	$2590	$440
Not-at-fault accident	$2800	$467
Two Med/PIP claims	$2877	$488
One comp claim	$2918	$487
Child safety restraint	$2927	$497
Failure to wear a seat belt	$2927	$488
Driving without lights	$2935	$498
Failure to show documents	$2935	$490
Speeding 6 - 10 MPH over limit	$2995	$510
Improper passing	$3003	$500
Passing school bus	$3003	$511
Wrong way/wrong lane	$3003	$500
Failure to stop at a red light	$3012	$513
Failure to yield	$3012	$501
Illegal turn	$3012	$513
Cell phone violation	$3020	$503
Driving with expired registration	$3020	$514
Following too closely	$3020	$503
Texting while driving	$3027	$515
Two comp claims	$3096	$515
Driving too slowly	$3113	$530
Speeding in school zone	$3113	$518
Speeding 11 - 15 MPH over limit	$3121	$531
In 65 MPH zone	$3231	$538
Speeding 16 - 20 MPH over limit	$3231	$550
Speeding 21 - 25 MPH over limit	$3248	$541
Open container	$3282	$558
Operating a vehicle without permission	$3282	$547
At-fault accident - less than $1000	$3560	$605
At-fault accident - $1000-$2000	$3618	$604
At-fault accident - greater than $2000	$3618	$615
Racing	$3914	$652
DUI	$3922	$667
Refusal to submit to a chemical test	$3922	$653
Driving with a suspended license	$3990	$679
Reckless driving	$4074	$679
Leaving scene of an accident/hit and run	$4117	$700

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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 Ocean 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 Ocean Ridge.

The cheapest car insurance premiums in Ocean Ridge are offered by AIG at $912 for a six-month policy. However, it can be as expensive as $3855 with companies like Farmers.

Ocean Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$912	$155
Travelers	$1492	$251
Progressive	$1713	$288
State Farm	$2058	$346
Allstate	$2783	$469
UAIC	$3577	$596
Farmers	$3855	$642

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 Ocean Ridge are offered by Nationwide at $792. However, it can be as expensive as $4117 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ocean Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$792	$132
State Farm	$1004	$169
Travelers	$1139	$192
Allstate	$2986	$503
UAIC	$3265	$544
Progressive	$3999	$680
Farmers	$4117	$700

Car Insurance Price Trends in Ocean Ridge, Florida

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

The average cost of full coverage in the Ocean Ridge dipped by $364 in January compared to $392 of December. In other words, there has been an decrease by $28 when you compare January and December.

The average cost of liability insurance in the Ocean Ridge dipped to $118 in January, compared to $119 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ocean Ridge?

The car insurance in Ocean Ridge is $85 per month, which is lower than the national average.

What is the cheapest car insurance in Ocean Ridge?

The cheapest car insurance in Ocean Ridge is $231 per month for full coverage.

How much is car insurance in Ocean Ridge for teenagers?

Car insurance for teenagers costs $768 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 Ocean Ridge?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $388 per month to insure your car in Ocean Ridge.

Is car insurance expensive in Ocean Ridge?

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

Cheapest Car Insurance Quotes in Ocean Ridge

Why you can trust Way?

How Much Is Car Insurance in Ocean Ridge

Avg. Car Insurance in Ocean Ridge

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Ocean Ridge

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Ocean Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Ocean Ridge, FL

Way's key takeaways about car insurance in Ocean Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ocean Ridge

Cheapest Liability Coverage in Ocean Ridge, FL

Cheapest Full Coverage Car Insurance in Ocean Ridge

Cheapest Full Coverage Car Insurance Quotes in Ocean Ridge, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ocean Ridge by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Ocean Ridge, FL increasing?

Car Insurance Premiums by Age in Ocean Ridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ocean Ridge,FL

If you are in your twenties N/A is the best choice for car insurance in Ocean Ridge.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Ocean Ridge

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Ridge

Ocean Ridge Car Insurance Rates by Violation

Ocean Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ocean Ridge after a DUI

Ocean Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ocean Ridge after Speeding ticket

Car Insurance Price Trends in Ocean Ridge, Florida

Average Car Insurance Cost in Ocean Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ocean Ridge, FL

Car Insurance Rates by State in the USA (2025 Update)

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