Ridgeland Auto Insurance Rates, Quotes, Agents & Reviews in MS

Ridgeland, MS Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Ridgeland, MS, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Ridgeland, MS are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Ridgeland, MS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Ridgeland, MS with that of other cities in and around Ridgeland.

Ridgeland Clinton Flowood Richland Pearl Jackson
Average Insurance Rates $1,687 $1,650 $1,693 $1,604 $1,596 $1,307

Ridgeland, MS Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Ridgeland, MS based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Ridgeland $1,738 $1,468
Madison $1,783 $1,506
Flowood $1,090 $920
Jackson $1,051 $887
Pearl $1,252 $1,058
Clinton $1,724 $1,456
Flora $1,264 $1,067
Richland $1,501 $1,268

Ridgeland, MS Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Ridgeland, MS usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,474
20 Years $2,168
30 Years $1,670
40 Years $1,606
50 Years $1,488
60 Years $1,508
70 Years $1,756

Ridgeland, MS Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Ridgeland, MS can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,868 $506
3 Vehicles $4,302 $759
4 Vehicles $5,736 $1,012

Savings on 2 Vehicles bundle:$506

Savings on 3 Vehicles bundle:$759

Savings on 4 Vehicles bundle:$1,012


Ridgeland, MS Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Ridgeland, MS.

Location Average Insurance Cost Post DUI Insurance Rate
Ridgeland $1,687 $2,798
Madison $1,787 $2,964
Flowood $1,693 $2,808
Jackson $1,307 $2,168
Pearl $1,596 $2,647
Clinton $1,650 $2,736
Flora $1,619 $2,685
Richland $1,604 $2,660

Ridgeland, MS Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,447
Excellent (740-799) $1,652
Good (670-739) $1,758
Average (580-669) $2,293
Poor (300-579) $2,752

Ridgeland, MS Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Robert Queen Allstate 1006 Top St Ste L, Flowood, 39232 (601) 345-8878
Kay Venable State Farm 2648 Ridgewood Rd Ste C, Jackson, 39216-4903 601-366-0817
Eastover Insurance Group Liberty Mutual Independent 1867 CRANE RIDGE DR STE 250A, JACKSON, 39216 (601) 957-5100
Cassandra Williams Allstate 356 Highway 51 Ste G, Ridgeland, 39157 (601) 898-0350
Lisa Halford Allstate 1139 Old Fannin Rd Ste E, Brandon, 39047 (601) 992-4600
Gathings Insurance Partners None 309 Newpointe Dr., Ridgeland, 39157 None
Keith Allen Hawsey Agency Nationwide 975 N St Suite 105, Jackson, 39202-2639 (601) 355-2009
Willie W. Beamon Allstate 4101 Northview Dr Ste A5, Jackson, 39206 (601) 362-0060
Preston Derivaux State Farm 4505 I 55 N, Jackson, 39206-6001 601-982-1982
John Morganti Allstate 5419 Highway 25 Ste T, Flowood, 39232 (601) 919-3101
Hal Brown Allstate 508 Grants Ferry Rd Ste A, Brandon, 39047 (601) 992-0337
The Nowell Agency Inc. Liberty Mutual Independent 1500 Old Fannin Rd, BRANDON, 39047 (601) 992-4444

Ridgeland, MS Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$74 $1,761
Driver's Failure In Showing Documents +$164 $1,851
Driving With An Expired Registration +$174 $1,861
Driving At A Considerably Slow Pace +$366 $2,053
Using A Cellphone While Driving +$386 $2,073
Running A Red Light +$393 $2,080
Speeding +$413 $2,100
Driving A Vehicle Without The Required Permission +$525 $2,212
Driving With An Expired/Suspended License +$1,137 $2,824

Ridgeland, MS Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,620
Active Disabling Device $1,620
Tracking Device $1,586
Passive Disabling Device $1,569