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Finding the cheapest car insurance quotes in Ridgeway 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.
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 $846 for a six-month policy, which is $126 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $646, 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.
At $646 for a six
month policy, USAA offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $708 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $729
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, WV is USAA, offering policies at just $646 for a six-month term. This is followed by Erie, which has an average six-month premium of $708.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1246 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.
Way's key takeaways about car insurance in Ridgeway
The auto insurance costs in Ridgeway fall around $646 for six
months.
The cheapest auto insurance company in Ridgeway is USAA.
Teen drivers pay the highest rate in Ridgeway at $715 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 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.
USAA provides
the cheapest minimum car insurance
coverage in Ridgeway. Their Average 6 Month Premium is $160.
Allstate is the most
expensive at $465 for the same
period.
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 USAA
at $109 per month and $646
for six months.
Cheapest Full Coverage Car Insurance Quotes in Ridgeway,
WV
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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, WV increasing?
Despite maintaining a clean driving record, your car insurance rates
in Ridgeway, West Virginia, may be increasing due to several external factors.
West Virginia 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Ridgeway,WV
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Ridgeway at $155
per
month. At $4248 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Ridgeway.
As young drivers face the highest rates in Ridgeway, N/A
offers the cheapest auto insurance rates at $N/A 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 Ridgeway,
Westfield is
the cheapest car insurance provider. At $563 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 State Farm, offering
rates of around $2754 for six
months.
Save up to $971/yr on car insurance rates in Ridgeway.
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, WV,
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 Encompass
and Erie, offering $320
and $559,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1777.
Here is a list of driving violations that can increase your car
insurance rates in Ridgeway WV. For example, the car
insurance in Ridgeway
after a DUI increases to $693 for a six
month policy. While the rate increases by $171 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
$894
$149
One Med/PIP claim
$894
$152
One comp claim
$925
$154
Not-at-fault accident
$930
$158
Two Med/PIP claims
$935
$156
Two comp claims
$982
$167
Failure to wear a seat belt
$1002
$167
Failure to show documents
$1018
$173
Driving without lights
$1028
$171
Cell phone violation
$1060
$180
Texting while driving
$1060
$177
Speeding 6 - 10 MPH over limit
$1065
$181
Driving with expired registration
$1070
$178
Driving too slowly
$1075
$183
Failure to stop at a red light
$1075
$179
Following too closely
$1075
$183
Illegal turn
$1075
$179
Improper passing
$1075
$183
Speeding 11 - 15 MPH over limit
$1075
$179
Speeding in school zone
$1075
$183
Wrong way/wrong lane
$1075
$179
Failure to yield
$1080
$184
Speeding 16 - 20 MPH over limit
$1080
$180
In 65 MPH zone
$1085
$184
Speeding 21 - 25 MPH over limit
$1085
$181
Passing school bus
$1111
$189
Child safety restraint
$1116
$186
Operating a vehicle without permission
$1116
$190
At-fault accident - less than $1000
$1199
$200
Open container
$1209
$205
At-fault accident - $1000-$2000
$1302
$217
At-fault accident - greater than $2000
$1302
$222
Driving with a suspended license
$1431
$238
Reckless driving
$1489
$253
DUI
$1587
$264
Refusal to submit to a chemical test
$1587
$270
Racing
$1592
$265
Leaving scene of an accident/hit and run
$1596
$271
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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 Erie at $796 for a six-month policy.
However, it can be as
expensive as $1928 with companies
like Nationwide.
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 $398. However,
it can be as expensive as $1246
with companies like Nationwide for a similar
six-month premium.
Cheapest Car Insurance in Ridgeway after Speeding ticket
Car Insurance Price Trends in Ridgeway,
West Virginia
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 $169 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Ridgeway rose to $40 in December,
compared to $39 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Ridgeway by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Ridgeway. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Ridgeway?
The car insurance in Ridgeway is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Ridgeway?
The cheapest car insurance in Ridgeway
is $109 per month
for full coverage.
How much is car insurance in Ridgeway for teenagers?
Car insurance for teenagers costs $920 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 $972 for a six-month
policy. It will cost around $142 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.
What is the best car insurance in Ridgeway,
WV?
The best car insurance company in Ridgeway
WV is
USAA, offering $646 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Ridgeway, WV
Car Insurance Rates by State in the USA (2025 Update)
Ridgeway Car Insurance
