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How much is car insurance in Redwood City?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Redwood City is about $7 cheaper than it is in the rest of California.
When stacked up against the national average, the average monthly policy payment for Redwood City is more affordable. The average monthly payment for the U.S. as a whole is about $32 more expensive than in Redwood City.
Bear in mind that while these are the average car insurance rates for Redwood City, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't sweat it however, we've broken down average rates for Redwood City residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $27 more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up a bit in Redwood City.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. While female drivers pay a little bit less than male drivers on their monthly auto insurance coverage, the difference in Redwood City is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay less than those with multiple infractions. The rate for drivers in Redwood City with a single accident on their record is about $60 a month. In addition, drivers with one ticket can expect to pay around $67 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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||$41|
|15 Years or Older||$48|
The most affordable vehicles to insure in Redwood City are typically trucks and vans, which run about $44 per month.
Car owners will see a monthly bill of about $50, while SUV owners by and large pay around $48 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Redwood City, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$50|
Generally, those who have settled down into marriage will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Redwood City, with married couples paying about $5 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Redwood City. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Redwood City, CA
Recent trends in car insurance for Redwood City drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Redwood City decreased from 2017-2018, but began to increase in 2021. This trend has continued and car insurance rates reached a high of $62 a month in 2022.
How does Redwood City compare to neighboring areas?
Why are car insurance rates in Redwood City different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Total number of drivers
- Off-street parking accessibility
- Local regulations
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. With the knowledge 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 Redwood City?
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.
Good news! Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing auto coverage in Redwood City.
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Redwood City Insurance FAQs
What factors affect car insurance quotes in Redwood City?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Redwood City different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Redwood City?
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 by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Redwood City?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Redwood City or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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