Ridgway, Colorado, is a quaint mountain town located in the heart of the Uncompahgre Valley, with a population of approximately 1,200 residents. Nestled in Ouray County, Ridgway is known for its stunning natural beauty, rich history, and welcoming community atmosphere. The town features charming neighborhoods like Solar Ranch, River Park, and Vista Terrace, all located within the key zip code 81432. Ridgway offers a mix of cozy mountain homes, ranch-style properties, and newer developments, creating a peaceful environment that attracts families, retirees, and outdoor enthusiasts.
Conveniently positioned along U.S. Highway 550, Ridgway is a gateway to the San Juan Mountains and provides easy access to nearby communities such as Ouray, Montrose, and Telluride. The town is surrounded by breathtaking scenery, including the Ridgway State Park and the Uncompahgre River, offering ample opportunities for outdoor activities such as hiking, fishing, and boating. Ridgway’s vibrant local community is complemented by a historic downtown area filled with local shops, restaurants, and art galleries, reflecting its creative and welcoming spirit.
Castle Rock Insurance, an independent insurance broker, provides Ridgway residents with personalized coverage solutions tailored to their needs. By partnering with leading carriers like Safeco, Liberty Mutual, Progressive, and Nationwide, Castle Rock Insurance offers a variety of options, including homeowners, renters, and auto insurance. As an independent broker, Castle Rock Insurance has the flexibility to shop multiple carriers, ensuring Ridgway residents receive the best coverage at competitive rates. With local expertise and a deep understanding of Ridgway’s community needs, Castle Rock Insurance is committed to delivering comprehensive and customized insurance solutions that provide peace of mind to residents throughout this beautiful mountain town.
How Much Does Insurance Cost in Ridgway?
In Ridgway, Colorado, insurance costs vary depending on the policyholder’s needs and the chosen provider. Here are the average rates for common types of insurance in 2024:
1. Auto Insurance
The average cost for full coverage auto insurance in Ridgway is about $1,300 to $2,000 per year, with premiums influenced by factors like the driver’s age, driving history, and vehicle type.
2. Home Insurance
Homeowners in Ridgway typically pay between $1,300 and $2,000 per year, with rates depending on the home’s location, value, and the coverage selected.
3. Renters Insurance
Renters insurance in Ridgway generally costs around $130 to $230 per year, depending on the amount of personal property coverage and additional liability protection needed.
4. Condominium Insurance
Condo insurance in Ridgway averages $250 to $450 per year, depending on the size of the condo and the coverage for personal belongings and liability protection.
5. High-Value Home Insurance
For homes valued at $1 million or more, high-value home insurance premiums in Ridgway range from $3,000 to $5,500 per year, depending on factors like the home’s location, security features, and the level of customized coverage required.
If you’re looking for personalized insurance advice and quotes, consider contacting a local Colorado-based insurance broker like Castle Rock Insurance to get coverage tailored to your specific needs.
Get an Insurance Quote to Stay Protected in Ridgway
Castle Rock Insurance is an excellent choice for Ridgway residents seeking personal and residential insurance coverage. As a local, independent broker, Castle Rock Insurance partners with over 20 personal and residential carriers to offer a variety of policy options. Discounts are available for bundling insurance policies, mature drivers, homes with security systems, and vehicles equipped with anti-theft devices, ensuring Ridgway residents receive customized, affordable insurance solutions suited to their needs.
