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How much is car insurance in Redmond?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Redmond is about $8 cheaper than it is in the rest of Washington.
If you're thinking of moving to Redmond from out of state, you may still be in luck. On average, it's about $13 less to insure your vehicle in Redmond than it is in the rest of the United States.
Although these are the average car insurance rates in Redmond, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Redmond residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. 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|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates climb back up once you hit retirement age in Redmond.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Redmond, although men do pay a bit less on their monthly premiums, the cost is about the same for either group.
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 a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Redmond, a driving record with one accident will usually get you a rate around $84 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $90.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$71|
The cheapest vehicles to insure in Redmond are typically cars, with each type typically costing about $67 per month.
Truck and van drivers will see rates of about $68, while the rates for SUV owners average out to about $71 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Redmond are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
On average, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Redmond follows that pattern, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $9 a month more than drivers who own property in Redmond. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Redmond, WA
Recent trends in car insurance for Redmond drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Redmond, the rates for auto insurance decreased from 2017-2018, before steadying out in 2019. Insurance rates finished up in 2022, at $76 a month
How does Redmond compare to neighboring areas?
Why are car insurance rates in Redmond different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Local regulations
- Local crime rates
- Frequency of car accidents
- Access to off-street parking
- Total amount of drivers in the community
Having an awareness of these factors is critical 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 Redmond?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Redmond.
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Redmond Insurance FAQs
What factors affect car insurance quotes in Redmond?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Redmond different from other neighboring cities?
Things like parking situations, local laws, 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 Redmond?
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 Redmond?
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 Redmond 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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