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How much is car insurance in Redlands?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Redlands is about $9 cheaper than it is in the rest of California.
Likewise, car insurance rates in Redlands are often favorable when viewed against the rest of the country. It's around $34 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average costs to insure your vehicle in Redlands, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've done the heavy lifting for you and broken down the average rate for Redlands so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to car insurance bills, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay about $13 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may climb back up a bit in Redlands.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Redlands is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Redlands with a single accident on their record will usually see rates around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $62 a month on average.
Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$44|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Redlands, with drivers paying around $45 per month for insurance.
Car owners, on the other hand, by and large pay around $47 a month, while SUV drivers can expect to pay about $48 per month for insurance coverage.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Redlands are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$49|
Generally speaking, those who are currently married will pay slightly less for car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Redlands as well, where the difference is around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$57|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $2 a month more than homeowners in Redlands. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
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 Redlands, CA
Recent trends in car insurance for Redlands drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Redlands, the rates for auto insurance decreased from 2017-2020, when they hit a low of $42. This shifted in 2021, when rates started to rise. This pattern has continued through the present, where rates recently reached $55.
How does Redlands compare to neighboring areas?
Why are car insurance rates in Redlands different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Regional crime rates
- Total drivers
- Rate of car accidents
- Availability of off-street parking
- Regional laws
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. 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 Redlands?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Redlands.
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Redlands Insurance FAQs
What factors affect car insurance quotes in Redlands?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Redlands different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Redlands?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Redlands?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Redlands or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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