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AFCPE Accredited Financial Counselor
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Licensed auto and home insurance agent
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Updated
Car insurance in Redding, California, averages $68 per month for liability-only coverage and $151 per month for full coverage, according to Insurify data.
Redding’s auto insurance rates are lower than in Sacramento, where drivers pay monthly averages of $99 for liability coverage and $208 for full coverage. The average cost of car insurance is similar in Redding and Chico, with drivers in Chico paying about $71 per month for liability coverage and $143 for full coverage.
Drivers in Redding have a short commute time of 16.7 minutes, according to the U.S. Census Bureau, compared to the state average of 28.7 minutes. Shorter commute times reduce accident risk and often translate to lower average premiums.
All California drivers must have liability insurance. California car insurance requirements include $30,000 per person and $60,000 per accident in bodily injury coverage and $15,000 in property damage liability coverage.[1]
Liability insurance in Redding costs an average of $68 per month. The city’s average liability rates are cheaper than the statewide average of $97 per month.
Explore the cheapest rates for liability-only car insurance in Redding in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $48 |
| Aspire General | $51 |
| GEICO | $52 |
| Sun Coast | $53 |
| Mercury | $54 |
| National General | $54 |
| Dairyland | $60 |
| Root | $64 |
| Direct Auto | $65 |
| Allstate | $67 |
| Farmers | $68 |
| Anchor | $71 |
| Bristol West | $74 |
| State Farm | $74 |
| Kemper Special | $77 |
| Travelers | $78 |
| 21st Century | $85 |
| Kemper Rsvp | $85 |
| First Acceptance | $114 |
| Chubb | $133 |
Liability policies average $68/mo.
Full-coverage car insurance is optional in California, but it offers more financial protection for your vehicle. In Redding, the average monthly cost of a full-coverage policy is $151. This is less than the statewide average of $201 per month.
Aspire General has the cheapest average full-coverage rates in Redding, at $90 per month. Other insurers with cheap full-coverage rates in Redding include Root and Mercury.
Redding has a high risk of wildfire and flooding, according to the city’s Local Hazard Mitigation Plan.[2] Local disaster risk is one reason Redding drivers may want to consider full coverage, as comprehensive coverage pays to repair damage from fires and floods.
The table below shows cheap rates for full-coverage car insurance in Redding.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $90 |
| Root | $100 |
| Mercury | $104 |
| GEICO | $105 |
| USAA | $107 |
| Kemper Special | $117 |
| Kemper Rsvp | $120 |
| Sun Coast | $124 |
| Anchor | $132 |
| Dairyland | $142 |
| National General | $144 |
| Allstate | $148 |
| Farmers | $152 |
| Bristol West | $158 |
| Direct Auto | $158 |
| State Farm | $164 |
| Travelers | $173 |
| 21st Century | $188 |
| First Acceptance | $252 |
| Chubb | $293 |
Redding’s average car insurance rates are lower than the California average. In comparison, liability rates in Chico are slightly higher, while its full-coverage rates are slightly lower.
Redding’s average rates may be cheaper than the state average for a couple of reasons. These include the city’s relatively small population of just over 94,000 and shorter average commute times.
Even though Redding has relatively low insurance rates, it ranks No. 43 nationally for vehicle theft rate. Residents reported 236 vehicle thefts during the first half of 2025, according to Insurify data.
The following table shows average monthly quotes across various cities in California.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
*Quotes generated for Insurify users in and around Redding, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Redding, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The car insurance quote you receive in Redding depends on your driving record. A speeding ticket, driving under the influence (DUI) conviction, or at-fault accident within the past three years will typically result in higher premiums.
See the cheapest car insurance companies in Redding by driving record below:
Cheapest car insurance for Redding drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Redding: USAA
Cheapest car insurance for Redding drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Redding: USAA
Drivers with an infraction on their record can find the most affordable car insurance in Redding by shopping around and comparing prices. In Redding, 4.3% of drivers have a speeding ticket on their record, and 5.2% have an at-fault car accident, according to Insurify data.
About 1% of drivers in Redding have a driving under the influence (DUI) conviction on their record. Redding has strict DUI enforcement. If an officer suspects a driver is impaired, they can make a warrantless arrest.[3]
Drivers younger than 21 with a blood alcohol content (BAC) limit of just 0.01% may lose their license for one year.[4]
The table below shows average monthly quotes by driving record in Redding.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $110 |
| Speeding ticket | $140 |
| At-fault accident | $141 |
| DUI | $150 |
Redding uses a photo red-light enforcement program to help minimize collisions and red-light violations. Drivers who run a red light in certain areas of the city may receive a ticket.
The city is in the midst of a major construction project with the Canyon Hollow Creek bridge replacement. Drivers can expect delays, lane closures, and full road closures as the work progresses, according to the City of Redding’s website.[5]
Parking in Redding is plentiful. The city has more than 2,000 on-street and public off-street parking spaces in the Downtown Core. Parking costs $1 per hour. In addition to Downtown Core parking, several other paid garages and public lots are available, as are hundreds of free on-street parking spaces.
Drivers should also be aware that Redding faces a high risk of wildfires and flooding, including overflow from the Shasta Dam, according to the City of Redding. Flooding is of particular concern along Stillwater Creek and the Sacramento River.[6]
Redding’s lower-than-average commute time suggests drivers generally experience less daily traffic congestion than in larger California metro areas.
Interstate 5 is Redding’s main north-south route. While traffic on I-5 in Redding is typically lighter than in larger metro areas, rush hour can still cause delays.
State Route 273, which runs next to I-5, experiences steady traffic. The California Department of Transportation (Caltrans) recently added a dedicated path through Redding alongside this busy road to keep cyclists and pedestrians safer.
The city recently identified several priorities in its Local Road Safety Plan (LRSP).[7] These will address pedestrian safety, dangerous intersections, speeding, impaired driving, and roadway design.
One of these priorities is increased DUI enforcement at the intersection of Churn Creek Road and Hartnell Avenue.
Redding drivers pay $151/mo. for full coverage
Due to their limited driving experience, teens typically pay more for auto insurance in Redding than adult drivers. Insurance for teens in Redding averages $121 per month for liability coverage and $269 for full coverage.
California follows a graduated license system. Teens must be at least 15 and a half years old to get a learner’s permit and must complete a driver’s education program. Before they can get a driver’s license, they also need to drive for 50 hours, at least 10 of those at night.[8]
The table below highlights cheap car insurance rates for teen drivers in Redding.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $87 |
| Aspire General | $91 |
| GEICO | $93 |
| Sun Coast | $95 |
| Root | $95 |
| Mercury | $97 |
| Dairyland | $103 |
| National General | $106 |
| Direct Auto | $125 |
| Bristol West | $129 |
| Farmers | $134 |
| Anchor | $135 |
| Kemper Special | $137 |
| State Farm | $141 |
| 21st Century | $149 |
| Kemper Rsvp | $152 |
| Travelers | $159 |
| First Acceptance | $203 |
| Chubb | $268 |
In Redding, 20% of the population is aged 65 and older, according to the U.S. Census Bureau. Senior drivers in Redding pay a monthly average of $62 for liability insurance and $137 for full coverage.
Insurers with cheap rates for seniors in Redding include USAA and Aspire General.
Explore cheap auto insurance quotes for senior drivers in Redding in the following table.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $40 |
| GEICO | $42 |
| National General | $44 |
| Mercury | $44 |
| Aspire General | $46 |
| Sun Coast | $48 |
| Dairyland | $52 |
| Direct Auto | $55 |
| Farmers | $55 |
| Anchor | $58 |
| State Farm | $60 |
| Root | $60 |
| Bristol West | $63 |
| Travelers | $64 |
| 21st Century | $69 |
| Kemper Special | $70 |
| Kemper Rsvp | $77 |
| Chubb | $103 |
| First Acceptance | $104 |
For more information to help you find the best car insurance in Redding, see the answers to frequently asked questions below.
USAA has the cheapest car insurance in California. Its liability insurance averages $66 per month.
Car insurance in Redding costs an average of $110 per month. This breaks out to $68 per month for liability-only coverage and $151 per month for full coverage.
Various factors affect car insurance quotes in Redding, including your driving history, coverage type, and vehicle make and model.
You can find the best car insurance quotes in Redding by comparing prices between multiple insurers, increasing your deductibles, and asking about discounts, such as those for bundling with your homeowners insurance, life insurance, or renters insurance.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
