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How much is car insurance in Redding?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Redding is about $14 a month cheaper than it is for the rest of California.
When stacked up against the national average, the average monthly policy payment for Redding is more affordable. You can expect to pay about $39 less for your policy in Redding than in the rest of United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But worry not, we've done the heavy lifting and broken down the average rate for Redding to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in Redding.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. Male and female drivers in Redding, however, both pay around $42 per month for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Redding with a single accident on their record is about $53 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $51 on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$44|
|15 Years or Older||$40|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Redding, with drivers paying around $39 per month for insurance.
Car owners, on the other hand, by and large pay around $43 a month, while truck and van drivers can expect to pay about $41 per month for car insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Redding are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$45|
On average, married policyholders will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Redding follows that pattern, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$58|
One other element taken into consideration is your housing situation. Renters can expect to pay around $2 a month more than those who own their own home in Redding. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Redding, CA
Recent trends in car insurance for Redding drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
Car insurance rates in Redding had been decreasing from 2019-2021, before steadying out in 2022. They finished up in 2022, at $41 a month
How does Redding compare to neighboring areas?
Why are car insurance rates in Redding different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Rate of crime
- Off-street parking accessibility
- Total amount of drivers in the community
- Area regulations
- Frequency of car accidents
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Redding?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Redding.
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Redding Insurance FAQs
What factors affect car insurance quotes in Redding?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Redding different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Redding?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Redding?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Redding or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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