Compare Ridgeway, IA Car Insurance Rates (2021)

Car insurance in Ridgeway, IA averages $249 a month. Ridgeway, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Ridgeway car insurance rates, compare quotes from the top car insurance companies in Ridgeway, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Ridgeway for teen drivers is USAA
  • Average car insurance rates in Ridgeway, IA are $2,992/year
  • The cheapest car insurance company in Ridgeway is USAA

If you need to buy Ridgeway, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Ridgeway, IA is right here.

You’ll find Ridgeway car insurance rates, the cheapest Ridgeway, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Ridgeway, Iowa car insurance rates to West Des Moines car insurance rates, Des Moines car insurance rates, and Cedar Rapids car insurance rates.

Ready to find affordable Ridgeway, IA car insurance today? Enter your ZIP code for fast, free Ridgeway car insurance quotes.

Cheapest Ridgeway, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Ridgeway, IA car insurance rates? Every Ridgeway, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ridgeway, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,930 $1,860 $1,707 $1,739 $5,435 $6,101 $2,114 $2,182
American Family $2,012 $2,012 $1,799 $1,799 $5,354 $7,522 $2,012 $2,427
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $1,893 $1,693 $1,696 $1,552 $4,278 $3,972 $1,787 $1,651
Liberty Mutual $2,159 $2,345 $1,894 $2,301 $10,316 $11,611 $2,447 $2,702
Nationwide $1,872 $1,931 $1,662 $1,786 $4,168 $5,439 $2,103 $2,299
Progressive $1,909 $1,852 $1,574 $1,627 $4,467 $5,053 $2,302 $2,485
State Farm $1,455 $1,455 $1,266 $1,266 $3,772 $4,800 $1,632 $1,853
Travelers $2,464 $2,516 $2,384 $2,390 $10,718 $17,031 $2,559 $3,048
USAA $1,234 $1,249 $1,130 $1,155 $3,305 $3,514 $1,482 $1,638

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Minimum Car Insurance in Ridgeway, IA

Every driver must carry the minimum car insurance in Ridgeway, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Ridgeway, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Ridgeway, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Ridgeway, IA. Compare credit history car insurance rates in Ridgeway from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Ridgeway, Iowa

Insurance Company Poor Fair Good
Allstate $3,447 $2,740 $2,463
American Family $3,976 $2,922 $2,454
Farmers $2,752 $2,286 $2,166
GEICO $2,783 $2,315 $1,848
Liberty Mutual $6,383 $3,934 $3,098
Nationwide $3,243 $2,518 $2,212
Progressive $3,159 $2,532 $2,285
State Farm $3,115 $1,927 $1,520
Travelers $6,068 $5,173 $4,925
USAA $2,419 $1,660 $1,437

Cheapest Ridgeway, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Ridgeway, IA to rates for a clean record with top companies.

Annual Ridgeway, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,462 $2,968 $3,359 $2,744
American Family $2,251 $3,292 $4,279 $2,647
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,756 $2,451 $3,170 $1,884
Liberty Mutual $3,865 $4,774 $4,876 $4,373
Nationwide $1,906 $2,764 $3,794 $2,166
Progressive $2,143 $3,483 $2,322 $2,686
State Farm $2,036 $2,339 $2,188 $2,188
Travelers $3,935 $5,232 $7,001 $5,386
USAA $1,405 $1,885 $2,451 $1,613

Cheapest Ridgeway, IA Car Insurance for Teen Drivers

Teen car insurance in Ridgeway, IA can be expensive. Take a look at rates from the top car insurance companies in Ridgeway for teenagers.

Annual Car Insurance Rates for Teen Drivers in Ridgeway, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,435 $6,101
American Family $5,354 $7,522
Farmers $4,490 $4,788
GEICO $4,278 $3,972
Liberty Mutual $10,316 $11,611
Nationwide $4,168 $5,439
Progressive $4,467 $5,053
State Farm $3,772 $4,800
Travelers $10,718 $17,031
USAA $3,305 $3,514

Cheapest Ridgeway, IA Car Insurance for Seniors

Take a look at Ridgeway, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Ridgeway, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,707 $1,739
American Family $1,799 $1,799
Farmers $1,327 $1,449
GEICO $1,696 $1,552
Liberty Mutual $1,894 $2,301
Nationwide $1,662 $1,786
Progressive $1,574 $1,627
State Farm $1,266 $1,266
Travelers $2,384 $2,390
USAA $1,130 $1,155

Cheapest Ridgeway, IA Car Insurance Rates After a DUI

A DUI in Ridgeway, IA increases car insurance rates. Compare Ridgeway, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Ridgeway, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,359
American Family $4,279
Farmers $2,573
GEICO $3,170
Liberty Mutual $4,876
Nationwide $3,794
Progressive $2,322
State Farm $2,188
Travelers $7,001
USAA $2,451

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Cheapest Ridgeway, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Ridgeway, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Ridgeway, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,815 $2,952
American Family $3,081 $3,154
Farmers $2,401 $2,401
GEICO $2,269 $2,362
Liberty Mutual $4,472 $4,472
Nationwide $2,658 $2,658
Progressive $2,658 $2,658
State Farm $2,136 $2,240
Travelers $5,389 $5,389
USAA $1,771 $1,905

The Best Cheap Car Insurance Companies in Ridgeway, IA

Take a look at a side-by-side comparison of the top car insurance companies in Ridgeway, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Ridgeway, Iowa

Insurance Company Average Annual Rates
Allstate $2,883
American Family $3,117
Farmers $2,401
GEICO $2,315
Liberty Mutual $4,472
Nationwide $2,658
Progressive $2,659
State Farm $2,188
Travelers $5,389
USAA $1,838

Category Winners: Cheapest Car Insurance in Ridgeway, Iowa

Find the cheapest car insurance companies in Ridgeway, IA for each category right here.

Best Annual Car Insurance Rates by Company in Ridgeway, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Ridgeway, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Ridgeway car insurance rates. Find the cheapest Ridgeway, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Ridgeway, Iowa

Insurance Company Low Medium High
Allstate $2,789 $2,886 $2,974
American Family $3,140 $3,290 $2,922
Farmers $2,304 $2,409 $2,490
GEICO $2,192 $2,316 $2,437
Liberty Mutual $4,299 $4,464 $4,652
Nationwide $2,792 $2,635 $2,545
Progressive $2,526 $2,667 $2,782
State Farm $2,096 $2,198 $2,269
Travelers $5,093 $5,469 $5,605
USAA $1,745 $1,844 $1,926

What affects car insurance rates in Ridgeway, Iowa?

What factors can have an impact on Ridgeway, IA car insurance? There are several reasons why Ridgeway car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Ridgeway, Iowa.

Commute Time in Ridgeway

The more time you spend in your car the higher the risk of an accident. The average commute length in Ridgeway, IA is 24.6 minutes according to City-Data.

Compare Car Insurance Quotes in Ridgeway, IA

Ready to find affordable Ridgeway, Iowa car insurance today? Enter your ZIP code for fast, free Ridgeway, IA car insurance quotes.

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