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Cheap Auto Insurance Quotes in Redding, CA (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Redding is $141 per month, or $1692 annually.
  • Car insurance in Redding is $36 less than the average cost of car insurance in California.
  • The cheapest car insurance provider in Redding on average is Bluefire, but you should always compare quotes to find your best personal rate.

Car Insurance in Redding, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Redding, CA to find you the cheapest quotes in the area.

Quotes by Top Companies

Freedom National
$90
Travelers
$95
National General
$100
Progressive
$101
Clearcover
$101

Cheapest Car Insurance in Redding, CA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in ReddingQuotes
Freedom National$90 /mo
Travelers$95 /mo
National General$100 /mo
Progressive$101 /mo
Clearcover$101 /mo

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Average Car Insurance Cost

California Cities
Los Angeles$195/mo
San Diego$172/mo
San Jose$210/mo
San Francisco$132/mo
Redding$140/mo
California$170/mo
San Francisco
$132
Redding
$140
Average for CA
$170
San Diego
$172
Los Angeles
$195
San Jose
$210
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Find local Redding agents

    FAQs - Redding, CA Car Insurance

    • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
    • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

    Compare Car Insurance Quotes Instantly

    • Personalized quotes in 5 minutes or less
    • No signup required

    Methodology

    The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

    Insurify Insights

    How Redding Drivers Measure Up

    While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Redding, California below:

    Methodology

    Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Redding drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
    Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

    ford

    Ford F-Series Pickup

    Most Popular Car in Redding

    #80

    City with the Most Speeding Tickets Rank in California

    #32

    City with the Most Moving Violations Rank in California

    #1

    City with the Most DUIs Rank in California

    #25

    City with the Most Suspended Licenses in California

    • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Redding drivers rank 201 in the number of car accidents per driver across all cities in California.

      • Rank within state: #201
      • Percent of drivers in Redding with an accident: 8.3%
      • Drivers in Redding, CA with an accident in their driving history pay on average 25.58% more than drivers with a clean record
    • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Redding drivers rank 80 in the number of speeding infractions per driver.

      • Rank within state: #80
      • Percent of drivers in Redding with a speeding ticket: 7.89%
      • Drivers in Redding, CA with a speeding ticket in their driving history pay on average 15.5% more than drivers with a clean record
    • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Redding drivers rank 1 in the number of DUI’s per driver across all cities in California.

      • Rank within state: #1
      • Percent of drivers in Redding with a DUI: 4.2%
      • Drivers in Redding, CA with a DUI in their driving history pay on average 1.55% more than drivers with a clean record
    • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Redding drivers rank 3 in rude driving infractions.

      • Rank within state: #3
      • Percent of drivers in Redding with a reckless driving violation: 5.31%
      • Drivers in Redding, CA with a reckless driving violation in their driving history pay on average 13.18% more than drivers with a clean record.
    • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Redding drivers rank 63 in clean driving records across all cities in California.

      • Rank within state: #63
      • Percent of drivers in Redding with clean record: 79.32%
    • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Redding drivers rank 17 in failure to yield violations per driver across all cities in California.

      • Rank within state: #17
      • Percent of drivers in Redding with a failure to yield violation: 0.41%
      • Drivers in Redding, CA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
    • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Redding drivers rank 25 in the number of reckless driving offenses per driver.

      • Rank within state: #25
      • Percent of drivers in Redding with a reckless driving offense: 0.14%
    • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Redding is the Ford F-Series Pickup.

    Insurify Insights

    Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

    Tanveen Vohra
    Tanveen Vohra

    Content Manager at Insurify

    Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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