Cheapest Car Insurance Quotes in Ridge Manor

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Ridge Manor Car Insurance

^$ 23

/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 Ridge Manor

The car insurance rate in Ridge Manor is $1729 for a six-month policy, which is $128 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1104, making it a popular choice for budget-conscious drivers. Rates in Ridge Manor 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 Ridge Manor

$1729

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Ridge Manor

1st place: Travelers

At $1104 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 $1174 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1366 for six months, making it the third cheapest auto insurance company in Ridge Manor.

Ridge Manor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ridge Manor, FL is Travelers, offering policies at just $1104 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1174.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1032 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ridge Manor drivers find the best deals.

Cheap Car Insurance Companies in Ridge Manor, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1104	$186
State Farm	$1174	$198
Nationwide	$1366	$230
United Automobile Ins Group	$1475	$246
Progressive	$1540	$259
UAIC	$1540	$257
MetLife	$1623	$276
Farmers	$2579	$430
Mercury	$2784	$473
Allstate	$2804	$472
Metropolitan Group	$1032	$172

Key Takeaways

Way's key takeaways about car insurance in Ridge Manor

The auto insurance costs in Ridge Manor fall around $1104 for six months.
The cheapest auto insurance company in Ridge Manor is Patrons Insurance.
Teen drivers pay the highest rate in Ridge Manor at $1491 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Ridge Manor

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 Ridge Manor are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Ridge Manor. Their Average 6 Month Premium is $135. Metropolitan Group is the most expensive at $410 for the same period.

Cheapest Liability Coverage in Ridge Manor, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$135	$23
Travelers	$410	$69
State Farm	$436	$73
Mercury	$462	$78
Nationwide	$513	$87
Farmers	$712	$119
AIG	$725	$123
Progressive	$757	$127
United Automobile Ins Group	$777	$132
UAIC	$840	$140
Allstate	$969	$163
Metropolitan Group	$410	$68

Cheapest Full Coverage Car Insurance in Ridge Manor

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 Ridge Manor is Travelers at $186 per month and $1104 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ridge Manor, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1104	$186
State Farm	$1174	$198
Nationwide	$1366	$230
United Automobile Ins Group	$1475	$246
Progressive	$1540	$259
UAIC	$1540	$257
MetLife	$1623	$276
Farmers	$2579	$430
Mercury	$2784	$473
Allstate	$2804	$472
Metropolitan Group	$1032	$172

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Average Car Insurance in Ridge Manor 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 Ridge Manor, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Ridge Manor, 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, Ridge Manor's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ridge Manor

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	Travelers	$1401
40s	Travelers	$1057
50s	Travelers	$986
60s	Travelers	$972

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

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Ridge Manor at $97 per month. At $8770 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$584	$97
AIG	$789	$134
Travelers	$1790	$301
State Farm	$2354	$396
UAIC	$3502	$584
United Automobile Ins Group	$3637	$619
Allstate	$5517	$929
Mercury	$6839	$1151
Progressive	$7307	$1230
Farmers	$8770	$1491

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Ridge Manor.

As young drivers face the highest rates in Ridge Manor, Travelers offers the cheapest auto insurance rates at $1401 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 Ridge Manor, Nationwide is the cheapest car insurance provider. At $699 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 Ridge Manor is Allstate, offering rates of around $5607 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$699	$119
Mercury	$764	$127
Direct General Insurance	$796	$135
Travelers	$1514	$255
UAIC	$1540	$261
Progressive	$2976	$496
Farmers	$3567	$607
State Farm	$5344	$891
Allstate	$5607	$954

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Car Insurance Rates with An Accident in Ridge Manor

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 Ridge Manor, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Ridge Manor include Nationwide and AIG, offering $738 and $943, respectively. National General is an expensive provider with an average six-month premium of $1142.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$738	$123
AIG	$943	$160
Travelers	$1065	$179
State Farm	$1097	$185
United Automobile Ins Group	$1918	$320
Mercury	$1982	$334
UAIC	$2008	$335
Progressive	$2630	$443
Farmers	$3599	$599
Allstate	$4869	$820
National General	$1142	$194

Ridge Manor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ridge Manor FL. For example, the car insurance in Ridge Manor after a DUI increases to $1013 for a six month policy. While the rate increases by $308 for a six-month policy in the case of a speeding ticket.

Ridge Manor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1970	$328
One Med/PIP claim	$1970	$335
Not-at-fault accident	$2130	$355
Two Med/PIP claims	$2188	$372
One comp claim	$2219	$370
Child safety restraint	$2226	$378
Failure to wear a seat belt	$2226	$372
Driving without lights	$2232	$379
Failure to show documents	$2232	$373
Speeding 6 - 10 MPH over limit	$2278	$388
Improper passing	$2284	$380
Passing school bus	$2284	$389
Wrong way/wrong lane	$2284	$380
Failure to stop at a red light	$2291	$390
Failure to yield	$2291	$381
Illegal turn	$2291	$390
Cell phone violation	$2297	$382
Driving with expired registration	$2297	$391
Following too closely	$2297	$382
Texting while driving	$2303	$392
Two comp claims	$2354	$392
Driving too slowly	$2367	$403
Speeding in school zone	$2367	$394
Speeding 11 - 15 MPH over limit	$2374	$404
In 65 MPH zone	$2457	$409
Speeding 16 - 20 MPH over limit	$2457	$418
Speeding 21 - 25 MPH over limit	$2470	$411
Open container	$2496	$424
Operating a vehicle without permission	$2496	$416
At-fault accident - less than $1000	$2708	$460
At-fault accident - $1000-$2000	$2752	$459
At-fault accident - greater than $2000	$2752	$468
Racing	$2976	$496
DUI	$2983	$508
Refusal to submit to a chemical test	$2983	$497
Driving with a suspended license	$3035	$516
Reckless driving	$3099	$516
Leaving scene of an accident/hit and run	$3131	$532

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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 Ridge Manor 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 Ridge Manor.

The cheapest car insurance premiums in Ridge Manor are offered by AIG at $693 for a six-month policy. However, it can be as expensive as $860 with companies like National General.

Ridge Manor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$693	$116
Travelers	$1104	$186
State Farm	$1340	$226
Progressive	$1353	$228
Allstate	$2463	$415
UAIC	$2714	$461
Farmers	$2932	$488
National General	$860	$144

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 Ridge Manor are offered by Nationwide at $603. However, it can be as expensive as $3131 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ridge Manor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$603	$103
State Farm	$777	$131
Travelers	$930	$157
UAIC	$1540	$257
Allstate	$1765	$297
Progressive	$2547	$424
Farmers	$3131	$532

Car Insurance Price Trends in Ridge Manor, Florida

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

The average cost of full coverage in the Ridge Manor remained steady at $298 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ridge Manor remained steady at $91 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Ridge Manor?

The car insurance in Ridge Manor is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Ridge Manor?

The cheapest car insurance in Ridge Manor is $186 per month for full coverage.

How much is car insurance in Ridge Manor for teenagers?

Car insurance for teenagers costs $584 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 Ridge Manor?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $291 per month to insure your car in Ridge Manor.

Is car insurance expensive in Ridge Manor?

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

Cheapest Car Insurance Quotes in Ridge Manor

Why you can trust Way?

How Much Is Car Insurance in Ridge Manor

Avg. Car Insurance in Ridge Manor

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Ridge Manor

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Ridge Manor Car Insurance Rates by Company

Cheap Car Insurance Companies in Ridge Manor, FL

Way's key takeaways about car insurance in Ridge Manor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ridge Manor

Cheapest Liability Coverage in Ridge Manor, FL

Cheapest Full Coverage Car Insurance in Ridge Manor

Cheapest Full Coverage Car Insurance Quotes in Ridge Manor, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ridge Manor by Rating Factor

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

Car Insurance Premiums by Age in Ridge Manor

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties Travelers is the best choice for car insurance in Ridge Manor.

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 Ridge Manor

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

Ridge Manor Car Insurance Rates by Violation

Ridge Manor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ridge Manor after a DUI

Ridge Manor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ridge Manor after Speeding ticket

Car Insurance Price Trends in Ridge Manor, Florida

Average Car Insurance Cost in Ridge Manor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ridge Manor, FL

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

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