Cheapest Car Insurance Quotes in Ridgefield

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Ridgefield Car Insurance

^$ 84

/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 Ridgefield

The car insurance rate in Ridgefield is $1708 for a six-month policy, which is $470 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1065, making it a popular choice for budget-conscious drivers. Rates in Ridgefield 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 Ridgefield

$1708

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Ridgefield

1st place: New Jersey Manufacturers

At $1065 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1288 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1303 for six months, making it the third cheapest auto insurance company in Ridgefield.

Ridgefield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ridgefield, NJ is New Jersey Manufacturers, offering policies at just $1065 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1288.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2844 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ridgefield drivers find the best deals.

Cheap Car Insurance Companies in Ridgefield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1065	$178
New Jersey Skylands Insurance	$1288	$219
NJM	$1303	$219
Plymouth Rock	$1419	$239
Progressive	$1492	$251
Travelers	$1590	$268
Amica Mutual	$1804	$301
Allstate	$1860	$313
State Farm	$2008	$338
Selective	$2122	$357
Farmers	$2844	$475

Key Takeaways

Way's key takeaways about car insurance in Ridgefield

The auto insurance costs in Ridgefield fall around $1065 for six months.
The cheapest auto insurance company in Ridgefield is New Jersey Manufacturers.
Teen drivers pay the highest rate in Ridgefield at $1443 per month.

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Cheapest Minimum Liability Car Insurance in Ridgefield

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 Ridgefield are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Ridgefield. Their Average 6 Month Premium is $491. Farmers is the most expensive at $1419 for the same period.

Cheapest Liability Coverage in Ridgefield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$491	$84
Plymouth Rock	$664	$112
NJM	$680	$115
New Jersey Skylands Insurance	$722	$120
Amica Mutual	$738	$126
Amica	$845	$141
Progressive	$845	$142
Travelers	$869	$146
State Farm	$909	$153
Allstate	$1009	$170
Selective	$1123	$189
Farmers	$1419	$236

Cheapest Full Coverage Car Insurance in Ridgefield

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 Ridgefield is New Jersey Manufacturers at $178 per month and $1065 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ridgefield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1065	$178
New Jersey Skylands Insurance	$1288	$219
NJM	$1303	$219
Plymouth Rock	$1419	$239
Progressive	$1492	$251
Travelers	$1590	$268
Amica Mutual	$1804	$301
Allstate	$1860	$313
State Farm	$2008	$338
Selective	$2122	$357
Farmers	$2844	$475

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Average Car Insurance in Ridgefield 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 Ridgefield, NJ increasing?

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

Additionally, Ridgefield's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ridgefield

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	NJM	$1058
30s	NJM	$822
40s	NJM	$762
50s	NJM	$702
60s	NJM	$647

Cheapest Car Insurance Rates for Teen Drivers in Ridgefield,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Ridgefield at $126 per month. At $8493 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$738	$126
NJM	$1475	$248
New Jersey Manufacturers	$2443	$415
Travelers	$3443	$580
Selective	$3730	$628
Plymouth Rock	$3870	$651
Amica Mutual	$4319	$734
Allstate	$4689	$789
Progressive	$4738	$798
State Farm	$5615	$945
Farmers	$8493	$1443

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Ridgefield.

As young drivers face the highest rates in Ridgefield, NJM offers the cheapest auto insurance rates at $1058 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 Ridgefield, Amica Mutual is the cheapest car insurance provider. At $901 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 Ridgefield is State Farm, offering rates of around $9976 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$901	$153
New Jersey Skylands Insurance	$1132	$189
Foremost	$1263	$215
NJM	$1581	$266
Progressive	$2033	$342
Plymouth Rock	$2099	$353
Farmers	$3770	$642
Selective	$4361	$727
Travelers	$4656	$792
Allstate	$4877	$813
State Farm	$9976	$1696

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Car Insurance Rates with An Accident in Ridgefield

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 Ridgefield, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Ridgefield include New Jersey Skylands Insurance and NJM, offering $869 and $926, respectively. Farmers is an expensive provider with an average six-month premium of $5509.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$869	$145
NJM	$926	$156
New Jersey Manufacturers	$1123	$188
Plymouth Rock	$1172	$197
Amica Mutual	$1394	$235
Progressive	$1960	$330
Selective	$2657	$447
Travelers	$2721	$458
State Farm	$3148	$530
Allstate	$4918	$828
Farmers	$5509	$918

Ridgefield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ridgefield NJ. For example, the car insurance in Ridgefield after a DUI increases to $1739 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Ridgefield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1598	$266
One Med/PIP claim	$1606	$273
Not-at-fault accident	$1681	$280
One comp claim	$1697	$288
Two Med/PIP claims	$1706	$284
Speeding 6 - 10 MPH over limit	$1837	$312
Speeding 11 - 15 MPH over limit	$1845	$308
Two comp claims	$1845	$313
Failure to show documents	$1869	$312
At-fault accident - less than $1000	$1893	$322
Failure to wear a seat belt	$1918	$320
Driving too slowly	$1926	$327
Driving without lights	$1935	$323
Child safety restraint	$1968	$334
Driving with expired registration	$1968	$328
Wrong way/wrong lane	$2000	$339
Failure to yield	$2008	$335
Failure to stop at a red light	$2016	$342
Illegal turn	$2049	$342
Cell phone violation	$2074	$353
Texting while driving	$2074	$345
Speeding in school zone	$2107	$359
Operating a vehicle without permission	$2116	$352
Speeding 16 - 20 MPH over limit	$2116	$360
Improper passing	$2164	$360
Following too closely	$2172	$370
Passing school bus	$2262	$377
In 65 MPH zone	$2278	$388
Speeding 21 - 25 MPH over limit	$2353	$392
At-fault accident - $1000-$2000	$2418	$411
At-fault accident - greater than $2000	$2434	$406
Open container	$2721	$462
Reckless driving	$3189	$531
Leaving scene of an accident/hit and run	$3312	$563
DUI	$3337	$556
Refusal to submit to a chemical test	$3337	$567
Racing	$3345	$558
Driving with a suspended license	$3476	$591

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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 Ridgefield 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 Ridgefield.

The cheapest car insurance premiums in Ridgefield are offered by Plymouth Rock at $1009 for a six-month policy. However, it can be as expensive as $7533 with companies like State Farm.

Ridgefield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$1009	$170
Foremost	$1107	$185
NJM	$1115	$188
Mercury	$1279	$213
New Jersey Manufacturers	$1377	$235
Progressive	$1402	$236
Travelers	$2116	$356
Allstate	$2532	$426
Selective	$3115	$524
Farmers	$3591	$599
Amica Mutual	$7124	$1212
State Farm	$7533	$1268

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 Ridgefield are offered by Plymouth Rock at $934. However, it can be as expensive as $4820 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ridgefield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$934	$157
NJM	$1188	$200
Progressive	$1639	$276
Selective	$2361	$393
State Farm	$2393	$407
Travelers	$2746	$458
Allstate	$4001	$680
Farmers	$4820	$803

Car Insurance Price Trends in Ridgefield, New Jersey

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

The average cost of full coverage in the Ridgefield rose by $400 in January compared to $339 of December. In other words, there has been an increase by $61 when you compare January and December.

The average cost of liability insurance in the Ridgefield rose to $134 in January, compared to $119 in December. This represents an increase of $15 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ridgefield?

The car insurance in Ridgefield is $84 per month, which is lower than the national average.

What is the cheapest car insurance in Ridgefield?

The cheapest car insurance in Ridgefield is $178 per month for full coverage.

How much is car insurance in Ridgefield for teenagers?

Car insurance for teenagers costs $738 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 Ridgefield?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $287 per month to insure your car in Ridgefield.

Is car insurance expensive in Ridgefield?

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

Cheapest Car Insurance Quotes in Ridgefield

Why you can trust Way?

How Much Is Car Insurance in Ridgefield

Avg. Car Insurance in Ridgefield

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Ridgefield

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Ridgefield Car Insurance Rates by Company

Cheap Car Insurance Companies in Ridgefield, NJ

Way's key takeaways about car insurance in Ridgefield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ridgefield

Cheapest Liability Coverage in Ridgefield, NJ

Cheapest Full Coverage Car Insurance in Ridgefield

Cheapest Full Coverage Car Insurance Quotes in Ridgefield, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ridgefield by Rating Factor

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

Car Insurance Premiums by Age in Ridgefield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ridgefield,NJ

If you are in your twenties NJM is the best choice for car insurance in Ridgefield.

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 Ridgefield

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

Ridgefield Car Insurance Rates by Violation

Ridgefield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ridgefield after a DUI

Ridgefield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ridgefield after Speeding ticket

Car Insurance Price Trends in Ridgefield, New Jersey

Average Car Insurance Cost in Ridgefield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ridgefield, NJ

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

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