Cheapest Car Insurance Quotes in Ridgeway

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Ridgeway Car Insurance

^$ 18

/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 $734 for a six-month policy, which is $35 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, 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

$734

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Ridgeway

1st place: West Bend Mutual

At $386 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $437 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $462 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, IA is West Bend Mutual, offering policies at just $386 for a six-month term. This is followed by Grange, which has an average six-month premium of $437.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1441 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, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$386	$64
Grange	$437	$75
Travelers	$462	$78
Auto-Owners Insurance Co	$468	$80
Hastings Mutual	$480	$80
Westfield	$511	$87
IMT Insurance Company	$530	$88
State Farm	$630	$106
American Family	$649	$109
USAA	$692	$117
Pekin	$705	$118
Progressive	$711	$120
Auto-Owners	$861	$144
Farm Bureau Mutual (IA Group)	$867	$147
Farm Bureau	$973	$162
Nationwide	$1154	$196
Grinnell Mutual	$1260	$210
Allstate	$1441	$243

Key Takeaways

Way's key takeaways about car insurance in Ridgeway

The auto insurance costs in Ridgeway fall around $386 for six months.
The cheapest auto insurance company in Ridgeway is Pekin.
Teen drivers pay the highest rate in Ridgeway at $621 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.

Pekin provides the cheapest minimum car insurance coverage in Ridgeway. Their Average 6 Month Premium is $106. West Bend is the most expensive at $131 for the same period.

Cheapest Liability Coverage in Ridgeway, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$106	$18
Westfield	$112	$19
Hastings Mutual	$119	$20
Progressive	$125	$21
West Bend Mutual	$125	$21
USAA	$131	$22
Grange	$138	$23
State Farm	$138	$23
Farm Bureau Mutual (IA Group)	$150	$25
Auto-Owners Insurance Co	$156	$26
Iowa Farm Bureau	$168	$28
Travelers	$174	$29
Farm Bureau	$181	$30
American Family	$187	$32
Auto-Owners	$200	$34
Grinnell Mutual	$280	$47
Allstate	$412	$69
Nationwide	$437	$75
West Bend	$131	$22

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 West Bend Mutual at $64 per month and $386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ridgeway, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$386	$64
Grange	$437	$75
Travelers	$462	$78
Auto-Owners Insurance Co	$468	$80
Hastings Mutual	$480	$80
Westfield	$511	$87
IMT Insurance Company	$530	$88
State Farm	$630	$106
American Family	$649	$109
USAA	$692	$117
Pekin	$705	$118
Progressive	$711	$120
Auto-Owners	$861	$144
Farm Bureau Mutual (IA Group)	$867	$147
Farm Bureau	$973	$162
Nationwide	$1154	$196
Grinnell Mutual	$1260	$210
Allstate	$1441	$243

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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, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Ridgeway, Iowa, may be increasing due to several external factors. Iowa 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

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Cheapest Car Insurance Rates for Teen Drivers in Ridgeway,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Ridgeway at $23 per month. At $3649 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
Grange	$156	$26
West Bend Mutual	$168	$28
Iowa Farm Bureau	$193	$33
Travelers	$655	$110
USAA	$817	$138
Progressive	$1229	$207
State Farm	$1398	$235
American Family	$1653	$278
Farm Bureau	$2127	$355
Farm Bureau Mutual (IA Group)	$2339	$398
Auto-Owners	$2382	$397
Grinnell Mutual	$2832	$482
Allstate	$3119	$525
Nationwide	$3649	$621

Teen Car Insurance Rates in IA 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 Ridgeway, Grange is the cheapest car insurance provider. At $181 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 Grinnell Mutual, offering rates of around $2214 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$181	$30
Westfield	$218	$37
West Bend Mutual	$225	$38
Travelers	$244	$41
Progressive	$705	$119
American Family	$811	$137
State Farm	$1509	$254
Nationwide	$1646	$280
Farm Bureau	$1678	$279
Allstate	$2183	$372
Auto-Owners	$2202	$366
Grinnell Mutual	$2214	$377

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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, IA, 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 Hastings Mutual and Pekin, offering $119 and $144, respectively. Allstate is an expensive provider with an average six-month premium of $1977.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$119	$20
Pekin	$144	$24
Western National	$187	$32
Westfield	$187	$32
Grange	$212	$36
Auto-Owners Insurance Co	$218	$37
West Bend Mutual	$218	$37
State Farm	$456	$77
Travelers	$468	$79
Progressive	$662	$111
Grinnell Mutual	$749	$126
American Family	$861	$145
USAA	$961	$160
Auto-Owners	$1129	$192
Farm Bureau Mutual (IA Group)	$1279	$213
Farm Bureau	$1584	$270
Nationwide	$1833	$306
Allstate	$1977	$333

Ridgeway Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ridgeway IA. For example, the car insurance in Ridgeway after a DUI increases to $748 for a six month policy. While the rate increases by $106 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	$880	$147
One Med/PIP claim	$891	$151
Not-at-fault accident	$917	$153
One comp claim	$942	$161
Two Med/PIP claims	$967	$161
Child safety restraint	$986	$168
Failure to show documents	$986	$164
Failure to wear a seat belt	$986	$168
Speeding 6 - 10 MPH over limit	$986	$164
Two comp claims	$986	$168
Driving without lights	$991	$165
Driving with expired registration	$1016	$173
Failure to yield	$1016	$169
Illegal turn	$1016	$173
Failure to stop at a red light	$1023	$170
Wrong way/wrong lane	$1029	$175
Cell phone violation	$1035	$172
Driving too slowly	$1035	$176
Speeding 11 - 15 MPH over limit	$1035	$172
Texting while driving	$1035	$176
Speeding 16 - 20 MPH over limit	$1042	$173
Speeding in school zone	$1054	$180
Improper passing	$1061	$176
Following too closely	$1067	$182
At-fault accident - less than $1000	$1086	$181
Passing school bus	$1104	$188
Operating a vehicle without permission	$1160	$193
At-fault accident - $1000-$2000	$1179	$201
Speeding 21 - 25 MPH over limit	$1179	$196
At-fault accident - greater than $2000	$1185	$202
In 65 MPH zone	$1266	$211
Open container	$1335	$227
Racing	$1504	$251
Driving with a suspended license	$1534	$260
Reckless driving	$1572	$261
Refusal to submit to a chemical test	$1597	$272
DUI	$1628	$271
Leaving scene of an accident/hit and run	$1646	$280

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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 Western National at $187 for a six-month policy. However, it can be as expensive as $2439 with companies like Grinnell Mutual.

Ridgeway car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$187	$32
Grange	$244	$41
Travelers	$244	$41
West Bend Mutual	$244	$41
Progressive	$468	$79
State Farm	$543	$91
American Family	$891	$150
Allstate	$1915	$326
Auto-Owners	$2039	$340
Farm Bureau	$2127	$361
Nationwide	$2283	$380
Grinnell Mutual	$2439	$415

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 Westfield at $138. However, it can be as expensive as $1597 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ridgeway after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$138	$23
West Bend Mutual	$162	$27
Western National	$187	$32
Iowa Farm Bureau	$206	$35
Travelers	$206	$35
Grange	$212	$36
State Farm	$356	$60
Progressive	$524	$88
American Family	$630	$106
Farm Bureau	$1192	$198
Grinnell Mutual	$1260	$214
Nationwide	$1447	$242
Auto-Owners	$1497	$254
Allstate	$1597	$266

Car Insurance Price Trends in Ridgeway, Iowa

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 remained steady at $147 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ridgeway remained steady at $30 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 Ridgeway?

The car insurance in Ridgeway is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Ridgeway?

The cheapest car insurance in Ridgeway is $64 per month for full coverage.

How much is car insurance in Ridgeway for teenagers?

Car insurance for teenagers costs $138 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 $699 for a six-month policy. It will cost around $123 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.

Cheapest Car Insurance Quotes in Ridgeway

Why you can trust Way?

How Much Is Car Insurance in Ridgeway

Avg. Car Insurance in Ridgeway

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Ridgeway

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Ridgeway Car Insurance Rates by Company

Cheap Car Insurance Companies in Ridgeway, IA

Way's key takeaways about car insurance in Ridgeway

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ridgeway

Cheapest Liability Coverage in Ridgeway, IA

Cheapest Full Coverage Car Insurance in Ridgeway

Cheapest Full Coverage Car Insurance Quotes in Ridgeway, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ridgeway by Rating Factor

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

Car Insurance Premiums by Age in Ridgeway

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ridgeway,IA

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

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 Ridgeway

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

Ridgeway Car Insurance Rates by Violation

Ridgeway auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ridgeway after a DUI

Ridgeway car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ridgeway after Speeding ticket

Car Insurance Price Trends in Ridgeway, Iowa

Average Car Insurance Cost in Ridgeway by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ridgeway, IA

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

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