Ridgeland has 24,587 residents in 10,782 households. We list 14 agencies for life insurance in Ridgeland. Here is what the local numbers say about the cover people here need.

Ridgeland at a glance

14life insurance agencies listed
52.7%of households rentRenters insurance
$275,200median home valueHome insurance
1991median year homes were builtRebuild cost calculator
3.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Madison County

FEMA rates the overall natural hazard risk in Madison County, where most Ridgeland agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Ridgeland
Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Mississippi

Mississippi requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Ridgeland How much liability cover do you need?

Source: mid.ms.gov, limits in force since 2006-01-01. Checked 2026-10-24.

Insurance companies Ridgeland agencies work with

Of the 14 Ridgeland agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY6 agencies
Nationwide5 agencies
The Hartford5 agencies
UnitedHealthcare5 agencies
Humana4 agencies
National Pacific Dental,4 agencies
Aetna3 agencies
Blue Cross Blue Shield3 agencies
Chubb3 agencies
Chubb (ACE)3 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Ridgeland agencies are

Ridgeland agencies we list sit in 2 ZIP codes, mostly in Madison County.

3915713 agencies
391581 agency

Questions

Life insurance in Ridgeland

All insurance agencies in Ridgeland · Life insurance across Mississippi

Where can I find life insurance in Ridgeland?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Ridgeland agencies work with?

Among the 14 Ridgeland agencies whose appointments we hold, the companies they are most often appointed with are COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY (6), Nationwide (5), The Hartford (5), UnitedHealthcare (5), Humana (4). An appointed agency can quote that company's policies.

Do I need flood insurance in Ridgeland?

FEMA's National Risk Index rates inland flooding risk in Madison County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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