The average cost of full coverage car insurance in California is $1,837, which is higher than the average cost of insurance in the city of Redding, which is $1,498. Car insurance rates in Redding are lower than the state average, but drivers in Redding can still save even more money on their insurance.
Comparing multiple quotes before choosing a policy is the best, most effective way to save money on your car insurance. Policygenius can help you compare rates from multiple companies to find the right coverage for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Redding, CA
There are dozens of factors that influence your insurance rates, including your driving history, ZIP code, age, claims history, and the type of car you drive.
Because every company has their own process for setting insurance rates, the same coverage will have different rates with each company. Rates varying by company is the reason comparing quotes from multiple companies is the best way to save money on your car insurance.
Company | Average cost | JD Power Rating |
|---|---|---|
Wawanesa | $66/month | -- |
National General Insurance | $99/month | 838 |
GEICO | $104/month | 874 |
Mercury Insurance | $105/month | 830 |
United Financial Casualty Company | $112/month | -- |
Cheapest car insurance rates by ZIP code in Redding, CA
One of the most substantial factors insurance companies use to set your rates is your ZIP code. Rates fluctuate from one ZIP code to another based on a number of factors, including:
Number of accidents reported each year
How many traffic tickets are issued
Reported car thefts
Secure parking options
Amount of available street parking
Population density
The number of people in an area is a big factor when setting rates by ZIP code. Because there are fewer people in Redding, drivers are charged less for coverage than in larger cities like Los Angeles or San Francisco.
ZIP code | Average cost |
|---|---|
96001 | $1,488 |
96003 | $1,500 |
96002 | $1,508 |
Choosing the right car insurance company in Redding, CA
Just because a car insurance policy is cheap doesn’t mean it is the right one for you. The best car insurance policy is the one that meets your needs, which is why our experts at Policygenius help you compare quotes and coverage options from multiple companies.
Car insurance rates for drivers with driving violations in Redding, CA
Your driving record has all of the same personal information as your driver's license, including your identifying information (height, hair color, etc.) and your license number. It also contains information about any driving violations you may have on your record, including:
Accidents
Tickets
Suspensions
Revocations
Points
DUIs
Fines
The easiest, most effective way to keep your insurance costs low is to avoid having points or violations on your driving record. Having a moving violation or a car accident on your record can raise your rates, sometimes significantly, potentially adding hundreds of dollars to your annual premiums.
Violation | Wawanesa | National General Insurance | GEICO | Mercury Insurance | United Financial Casualty Company |
|---|---|---|---|---|---|
At-fault accident | $1,228 | $1,782 | $2,302 | $2,183 | $2,867 |
Suspended license | $1,162 | $1,694 | $2,294 | $2,087 | $3,042 |
Open container | $1,452 | $1,271 | $3,210 | $2,087 | $2,661 |
Expired registration | $1,162 | $1,271 | $2,072 | $1,667 | $2,867 |
Driving without lights | $1,162 | $1,271 | $2,072 | $1,667 | $2,867 |
Running a red light | $1,162 | $1,271 | $2,072 | $1,667 | $2,867 |
Following too closely | $1,162 | $1,271 | $2,072 | $1,667 | $2,867 |
Hit and run | $1,452 | $1,694 | $2,294 | $2,087 | $3,042 |
Not-at-fault accident | $820 | $1,216 | $1,274 | $1,267 | $1,389 |
Passing a school bus | $1,162 | $1,271 | $2,072 | $1,667 | $2,867 |
Reckless driving | $1,452 | $1,694 | $2,294 | $2,087 | $3,042 |
Cheapest car insurance for drivers with a DUI in Redding, CA
Drivers in Redding should expect to see their rates go up if they get a DUI or DWI. The average annual cost for car insurance in Redding is $1,498 per year, but drivers with a DUI on their record will pay much more, with an average rate of $5,223 per year, which is 248% higher than the rates for drivers with a clean driving history.
But rates can vary significantly by company, even for drivers with a DUI. Our research shows that the companies in Redding with the lowest rates for drivers with a DUI are Wawanesa, National General, and Mercury Insurance.
Company | Rates for drivers with DUIs |
|---|---|
Wawanesa | $1,452 |
National General Insurance | $1,654 |
Mercury Insurance | $2,087 |
GEICO | $3,210 |
United Financial Casualty Company | $3,329 |
Cheapest car insurance for drivers with a speeding ticket in Redding, CA
A speeding ticket or other moving violation can also cause your car insurance rates to go up in Redding, where the average cost of insurance for a driver with a speeding ticket is $2,788 per year.
But drivers with a speeding ticket can still save money on their car insurance by comparing quotes from multiple companies. Our research shows that Wawanesa, National General, and USAA offer the lowest rates for drivers with a speeding ticket in Redding.
Company | Rates for drivers with speeding tickets |
|---|---|
Wawanesa | $1,162 |
National General Insurance | $1,271 |
Mercury Insurance | $1,667 |
GEICO | $1,991 |
United Financial Casualty Company | $2,661 |
Cheapest car insurance for drivers with bad credit in Redding, CA
California is one of only a small handful of states that don’t use your credit score when setting your insurance rates, including Hawaii, Massachusetts, Michigan and Washington. This means that your credit score won’t impact your insurance rate, even if it changes over time.
Buying car insurance in Redding, CA
California law requires all drivers to carry some form of liability insurance, including:
Cash deposit of $35,000 with DMV
DMV-issued self-insurance certificate
Surety bond for $35,000 from a company licensed to do business in California
Motor vehicle liability insurance policy
Out of all the options listed above, the vast majority of drivers choose to carry the state minimum levels of liability insurance (at least), which are:
$15,000 per person/$30,000 per accident for bodily injury liability
$5,000 for property damage liability
The state minimum levels of liability insurance are enough to fulfill your legal obligations, but those limits often aren’t enough to cover the amount of damage caused in an at-fault accident. To make sure you are financially protected in an accident, it is important to carry the highest levels of liability coverage that you can afford.
In addition to high levels of liability, drivers who can’t afford to repair or replace their car after an accident should also purchase comprehensive and collision coverage. These coverages protect you financially if you are at fault in an accident, but they can also step in to pay for damage to your vehicle if you are hit by an uninsured motorist or your car is damaged or stolen.
How to get cheap car insurance in Redding, CA
There are multiple discounts available to drivers in Redding, no matter which car insurance company you choose, including:
Safe driver discount
Accident free discount
Low mileage discount
Military discount
Good student discount
Bundling discount
Group/employer/professional discount
If a discount isn’t enough to make your insurance affordable, you may be eligible to apply for California’s Low Cost Auto Insurance program.
Frequently asked questions
What is the cheapest car insurance company in Redding, California?
Wawanesa is the cheapest car insurance company in Redding, as it's the only company we found that offers coverage in the city for less than $1,000 per year.
How much is car insurance per month in Redding, California?
On average, the cost of car insurance per month in Redding is $125. This makes the typical cost of coverage in Redding about $330 cheaper per year than in California.
What age does your car insurance go down in Redding, California?
Usually, you'll pay less for car insurance in Redding as you age. When you're 25 years old, your rates will be significantly cheaper than they were at 18 when you had less experience behind the wheel.
How can you save money on car insurance in Redding, California?
In Redding, you could get cheaper car insurance by seeking out companies with discounts, raising your policy's deductible if you have full coverage, and, best of all, comparing the cost of coverage across multiple companies.
