Cheapest Car Insurance Quotes in Ridgeland

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Ridgeland Car Insurance

^$ 28

/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 Ridgeland

The car insurance rate in Ridgeland is $847 for a six-month policy, which is $91 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $380, making it a popular choice for budget-conscious drivers. Rates in Ridgeland 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 Ridgeland

$847

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Ridgeland

1st place: American National P&C

At $380 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: South Carolina Farm Bureau

South Carolina Farm Bureau offers auto insurance rates at $493 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $545 for six months, making it the third cheapest auto insurance company in Ridgeland.

Ridgeland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ridgeland, SC is American National P&C, offering policies at just $380 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $493.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1177 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ridgeland drivers find the best deals.

Cheap Car Insurance Companies in Ridgeland, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$380	$65
South Carolina Farm Bureau	$493	$82
American National	$545	$92
Auto-Owners Insurance Co	$566	$94
American Family	$858	$146
Farm Bureau	$865	$144
Encompass	$885	$150
Auto-Owners	$958	$161
USAA	$958	$161
Travelers	$991	$167
Progressive	$1005	$169
Nationwide	$1052	$175
Allstate	$1124	$189
State Farm	$1177	$198

Key Takeaways

Way's key takeaways about car insurance in Ridgeland

The auto insurance costs in Ridgeland fall around $380 for six months.
The cheapest auto insurance company in Ridgeland is American National.
Teen drivers pay the highest rate in Ridgeland at $30 per month.

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Cheapest Minimum Liability Car Insurance in Ridgeland

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 Ridgeland are given below.

American National provides the cheapest minimum car insurance coverage in Ridgeland. Their Average 6 Month Premium is $167. State Farm is the most expensive at $532 for the same period.

Cheapest Liability Coverage in Ridgeland, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$167	$28
American National P&C	$206	$35
Encompass	$246	$41
USAA	$246	$41
South Carolina Farm Bureau	$267	$45
Auto-Owners Insurance Co	$299	$50
American Family	$366	$63
Progressive	$380	$64
Auto-Owners	$405	$68
Farm Bureau	$412	$68
Travelers	$452	$76
Allstate	$466	$78
Nationwide	$505	$86
State Farm	$532	$90

Cheapest Full Coverage Car Insurance in Ridgeland

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 Ridgeland is American National P&C at $65 per month and $380 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ridgeland, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$380	$65
South Carolina Farm Bureau	$493	$82
American National	$545	$92
Auto-Owners Insurance Co	$566	$94
American Family	$858	$146
Farm Bureau	$865	$144
Encompass	$885	$150
Auto-Owners	$958	$161
USAA	$958	$161
Travelers	$991	$167
Progressive	$1005	$169
Nationwide	$1052	$175
Allstate	$1124	$189
State Farm	$1177	$198

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Average Car Insurance in Ridgeland 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 Ridgeland, SC increasing?

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

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

Car Insurance Premiums by Age in Ridgeland

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 Ridgeland,SC

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Ridgeland at $40 per month. At $179 for a six-month premium, American National offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$240	$40
South Carolina Farm Bureau	$346	$59
Auto-Owners Insurance Co	$380	$63
American Family	$412	$71
Travelers	$1491	$251
Farm Bureau	$1597	$271
Allstate	$1969	$332
USAA	$1976	$333
Auto-Owners	$2595	$437
Progressive	$2801	$472
State Farm	$2921	$492
Nationwide	$3812	$648
American National	$179	$30

Teen Car Insurance Rates in SC 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 Ridgeland, South Carolina Farm Bureau is the cheapest car insurance provider. At $500 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 Ridgeland is State Farm, offering rates of around $4152 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$500	$83
American National P&C	$699	$119
American Family	$799	$133
Auto-Owners Insurance Co	$838	$142
USAA	$1071	$178
Progressive	$1251	$211
Travelers	$1277	$215
Allstate	$1437	$242
Farm Bureau	$1557	$260
Nationwide	$1604	$272
Auto-Owners	$2475	$412
State Farm	$4152	$706

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Car Insurance Rates with An Accident in Ridgeland

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 Ridgeland, SC, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Ridgeland include American National and American National P&C, offering $213 and $273, respectively. Allstate is an expensive provider with an average six-month premium of $2050.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$213	$36
American National P&C	$273	$46
Encompass	$306	$52
South Carolina Farm Bureau	$339	$58
American Family	$380	$63
Auto-Owners Insurance Co	$432	$74
Farm Bureau	$958	$161
Travelers	$971	$164
USAA	$1005	$169
Auto-Owners	$1077	$181
Progressive	$1331	$224
State Farm	$1557	$262
Nationwide	$2029	$338
Allstate	$2050	$345

Ridgeland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ridgeland SC. For example, the car insurance in Ridgeland after a DUI increases to $778 for a six month policy. While the rate increases by $339 for a six-month policy in the case of a speeding ticket.

Ridgeland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1344	$224
One Med/PIP claim	$1344	$228
Not-at-fault accident	$1417	$236
Two Med/PIP claims	$1430	$243
One comp claim	$1437	$240
Two comp claims	$1484	$252
Failure to wear a seat belt	$1537	$256
Child safety restraint	$1570	$267
Driving without lights	$1570	$262
Failure to show documents	$1584	$269
Failure to yield	$1630	$272
Failure to stop at a red light	$1636	$278
Driving too slowly	$1683	$280
Speeding 6 - 10 MPH over limit	$1683	$287
Speeding in school zone	$1683	$280
At-fault accident - less than $1000	$1690	$288
In 65 MPH zone	$1690	$281
Driving with expired registration	$1697	$289
Following too closely	$1697	$282
Illegal turn	$1697	$289
Speeding 11 - 15 MPH over limit	$1697	$282
Wrong way/wrong lane	$1697	$289
Cell phone violation	$1704	$283
Texting while driving	$1704	$290
Improper passing	$1710	$284
Operating a vehicle without permission	$1710	$291
Speeding 16 - 20 MPH over limit	$1710	$284
Speeding 21 - 25 MPH over limit	$1710	$291
Passing school bus	$1736	$289
Open container	$1749	$298
At-fault accident - $1000-$2000	$1930	$321
At-fault accident - greater than $2000	$1930	$328
Refusal to submit to a chemical test	$2096	$349
DUI	$2122	$361
Reckless driving	$2175	$363
Driving with a suspended license	$2182	$371
Racing	$2188	$365
Leaving scene of an accident/hit and run	$2262	$384

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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 Ridgeland 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 Ridgeland.

The cheapest car insurance premiums in Ridgeland are offered by American National P&C at $306 for a six-month policy. However, it can be as expensive as $260 with companies like American National.

Ridgeland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$306	$52
American Family	$319	$54
South Carolina Farm Bureau	$326	$55
Auto-Owners Insurance Co	$679	$115
Farm Bureau	$805	$136
Travelers	$964	$162
Progressive	$1005	$169
USAA	$1057	$178
State Farm	$1231	$207
Allstate	$1410	$237
Auto-Owners	$1770	$295
Nationwide	$1936	$329
American National	$260	$44

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 Ridgeland are offered by American National P&C at $273. However, it can be as expensive as $1258 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Ridgeland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$273	$46
South Carolina Farm Bureau	$306	$52
Auto-Owners Insurance Co	$339	$56
American Family	$386	$66
Auto-Owners	$812	$136
USAA	$844	$143
State Farm	$871	$147
Farm Bureau	$944	$160
Travelers	$964	$162
Progressive	$1045	$176
Allstate	$1204	$203
Nationwide	$1258	$214

Car Insurance Price Trends in Ridgeland, South Carolina

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

The average cost of full coverage in the Ridgeland rose by $195 in December compared to $193 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Ridgeland rose to $65 in December, compared to $62 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ridgeland?

The car insurance in Ridgeland is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Ridgeland?

The cheapest car insurance in Ridgeland is $65 per month for full coverage.

How much is car insurance in Ridgeland for teenagers?

Car insurance for teenagers costs $240 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 Ridgeland?

The average cost of car insurance is $756 for a six-month policy. It will cost around $142 per month to insure your car in Ridgeland.

Is car insurance expensive in Ridgeland?

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

What is the best car insurance in Ridgeland, SC?

The best car insurance company in Ridgeland SC is American National P&C, offering $380 for a six-month policy.