Cheapest Car Insurance Quotes in River Ridge

Finding the cheapest car insurance quotes in River 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

River Ridge Car Insurance

^$ 49

/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 River Ridge

The car insurance rate in River Ridge is $1884 for a six-month policy, which is $377 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $609, making it a popular choice for budget-conscious drivers. Rates in River 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 River Ridge

$1884

Avg. Car Insurance in Louisiana

$1507

National Average

$1140

Cheapest Car Insurance Companies in River Ridge

1st place: Louisiana Farm Bureau

At $609 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Farm Bureau

Farm Bureau offers auto insurance rates at $1329 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1381 for six months, making it the third cheapest auto insurance company in River Ridge.

River Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in River Ridge, LA is Louisiana Farm Bureau, offering policies at just $609 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1329.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2688 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help River Ridge drivers find the best deals.

Cheap Car Insurance Companies in River Ridge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$609	$101
Farm Bureau	$1329	$224
Southern Farm Bureau	$1381	$230
USAA	$1796	$303
Progressive	$1975	$333
State Farm	$2094	$353
Safeway	$2198	$370
SafeAuto	$2361	$401
Encompass	$2414	$403
Allstate	$2688	$453

Key Takeaways

Way's key takeaways about car insurance in River Ridge

The auto insurance costs in River Ridge fall around $609 for six months.
The cheapest auto insurance company in River Ridge is Louisiana Farm Bureau.
Teen drivers pay the highest rate in River Ridge at $156 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

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

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in River Ridge. Their Average 6 Month Premium is $290. AAA is the most expensive at $601 for the same period.

Cheapest Liability Coverage in River Ridge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$290	$49
Farm Bureau	$453	$76
Southern Farm Bureau	$483	$80
State Farm	$594	$100
USAA	$594	$100
Progressive	$624	$105
Allstate	$809	$136
SafeAuto	$846	$144
Safeway	$891	$150
AAA	$601	$100

Cheapest Full Coverage Car Insurance in River 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 River Ridge is Louisiana Farm Bureau at $101 per month and $609 for six months.

Cheapest Full Coverage Car Insurance Quotes in River Ridge, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$609	$101
Farm Bureau	$1329	$224
Southern Farm Bureau	$1381	$230
USAA	$1796	$303
Progressive	$1975	$333
State Farm	$2094	$353
Safeway	$2198	$370
SafeAuto	$2361	$401
Encompass	$2414	$403
Allstate	$2688	$453

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in River Ridge Instantly!

Average Car Insurance in River 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 River Ridge, LA increasing?

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

Additionally, River 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 River 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
20s	USAA	$1248
30s	USAA	$1013
40s	USAA	$933
50s	USAA	$891
60s	USAA	$951
70s	USAA	$975

Cheapest Car Insurance Rates for Teen Drivers in River Ridge,LA

If you are planning to get a car insurance policy for your teenage dependent, Louisiana Farm Bureau provides the cheapest car insurance in the River Ridge at $79 per month. At $921 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$475	$79
Farm Bureau	$2086	$355
State Farm	$2680	$451
USAA	$3401	$579
Safeway	$5175	$863
Allstate	$5561	$945
Progressive	$5880	$990
AAA	$921	$156

Teen Car Insurance Rates in LA by Age

Way Tip

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

As young drivers face the highest rates in River Ridge, USAA offers the cheapest auto insurance rates at $1248 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 River Ridge, Louisiana Farm Bureau is the cheapest car insurance provider. At $520 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 River Ridge is State Farm, offering rates of around $8115 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$520	$89
Allstate	$1841	$308
Farm Bureau	$1923	$328
Safeway	$2146	$358
Progressive	$2168	$365
USAA	$2250	$375
State Farm	$8115	$1380

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in River Ridge.

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

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

The cheapest car insurance companies after an at-fault accident in River Ridge include Louisiana Farm Bureau and State Farm, offering $379 and $1129, respectively. Allstate is an expensive provider with an average six-month premium of $2086.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$379	$63
State Farm	$1129	$190
Farm Bureau	$1374	$229
USAA	$1545	$260
Progressive	$1656	$279
Safeway	$1901	$320
Allstate	$2086	$351

River Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in River Ridge LA. For example, the car insurance in River Ridge after a DUI increases to $1767 for a six month policy. While the rate increases by $512 for a six-month policy in the case of a speeding ticket.

River Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2049	$341
One Med/PIP claim	$2049	$349
Two Med/PIP claims	$2071	$345
Not-at-fault accident	$2079	$354
One comp claim	$2086	$348
Two comp claims	$2161	$368
Failure to wear a seat belt	$2414	$403
Failure to show documents	$2443	$415
Child safety restraint	$2480	$414
Driving without lights	$2480	$421
Driving with expired registration	$2525	$421
Driving too slowly	$2561	$435
Speeding 11 - 15 MPH over limit	$2561	$428
Speeding 16 - 20 MPH over limit	$2561	$435
Speeding 6 - 10 MPH over limit	$2561	$428
Speeding in school zone	$2561	$435
In 65 MPH zone	$2569	$429
Cell phone violation	$2591	$440
Texting while driving	$2591	$433
Wrong way/wrong lane	$2591	$440
At-fault accident - less than $1000	$2606	$434
Failure to stop at a red light	$2606	$444
Failure to yield	$2606	$434
Following too closely	$2606	$444
Illegal turn	$2606	$434
Improper passing	$2606	$444
Passing school bus	$2629	$438
Speeding 21 - 25 MPH over limit	$2629	$448
Open container	$2703	$450
Operating a vehicle without permission	$2889	$491
At-fault accident - $1000-$2000	$2963	$494
At-fault accident - greater than $2000	$2963	$504
Reckless driving	$3579	$596
Refusal to submit to a chemical test	$3639	$619
DUI	$3816	$636
Racing	$3846	$654
Leaving scene of an accident/hit and run	$3876	$646
Driving with a suspended license	$3891	$661

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 River 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 River Ridge.

The cheapest car insurance premiums in River Ridge are offered by Louisiana Farm Bureau at $416 for a six-month policy. However, it can be as expensive as $1010 with companies like AAA.

River Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$416	$71
Farm Bureau	$1425	$238
Southern Farm Bureau	$1715	$291
Progressive	$1953	$329
USAA	$2659	$448
Safeway	$2665	$449
State Farm	$2740	$461
Allstate	$3326	$560
AAA	$1010	$171

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 River Ridge are offered by Louisiana Farm Bureau at $341. However, it can be as expensive as $2384 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in River Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$341	$58
State Farm	$1159	$195
Farm Bureau	$1218	$208
Progressive	$1619	$273
USAA	$1783	$303
Safeway	$2198	$366
Allstate	$2384	$405

Car Insurance Price Trends in River Ridge, Louisiana

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

The average cost of full coverage in the River Ridge rose by $379 in December compared to $374 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 River Ridge rose to $104 in December, compared to $95 in November. This represents an increase of $9 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in River Ridge?

The car insurance in River Ridge is $49 per month, which is lower than the national average.

What is the cheapest car insurance in River Ridge?

The cheapest car insurance in River Ridge is $101 per month for full coverage.

How much is car insurance in River Ridge for teenagers?

Car insurance for teenagers costs $475 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 River Ridge?

The average cost of car insurance is $1507 for a six-month policy. It will cost around $316 per month to insure your car in River Ridge.

Is car insurance expensive in River Ridge?

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

What is the best car insurance in River Ridge, LA?

The best car insurance company in River Ridge LA is Louisiana Farm Bureau, offering $609 for a six-month policy.