The best car insurance in Redding, CA

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By

Rachael Brennan

Rachael Brennan

Property and Casualty Insurance Expert

Rachael Brennan is a senior insurance editor at Policygenius, specializing in auto insurance. She worked for 21st Century Insurance, BlueCross BlueShield Massachusetts, and HealthPass New York. She also spent two years working as a content expert for dozens of auto insurance websites through 360Quote LLC.

Published October 19, 2021

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The average cost of full coverage car insurance in California is $1,978, which is $469 higher than the average cost of insurance in the city of Redding. Car insurance rates in Redding are lower than the state average, but drivers in Redding can still save even more money on their insurance.

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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.

Key Takeaways

  • Wawanesa has the lowest average rate for full coverage in Redding

  • The cheapest ZIP code for car insurance coverage in Redding is 96001 at $882

  • California’s state minimum liability requirements are $15,000 per person/$30,000 per person in bodily injury liability and $5,000 in property damage liability

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

$932

--

National General

$1,217

815

GEICO

$1,250

871

Mercury Insurance

$1,256

849

United Financial Casualty Company

$1,343

--

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

$1,494

96002

$1,523

96003

$1,510

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

GEICO

Mercury Insurance

United Financial Casualty Company

At-fault Accident

$1,446

$1,835

$2,302

$2,183

$2,867

DUI

$1,733

$1,704

$3,210

$2,087

$3,329

Driving with a suspended license

$1,378

$1,745

$2,294

$2,087

$3,042

Driving with an open container

$1,733

$1,309

$3,210

$2,087

$2,661

Driving with expired registration

$1,378

$1,309

$2,072

$1,667

$2,867

Driving without Lights

$1,378

$1,309

$2,072

$1,667

$2,867

Failure to show documents

$1,378

$1,309

$2,072

$1,667

$2,867

Failure to stop at a red light

$1,378

$1,309

$2,072

$1,667

$2,867

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.

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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

Why is car insurance so expensive in Redding?

Rates in Redding are actually lower than some of the bigger cities in California, but they are still higher than the rates in many other places around the country. Rates in California are higher because population density plays a large part in setting rates and the state has the highest population in the country.

Does my gender impact my insurance rates?

The state of California made it illegal for insurance companies to base your rates on gender. This means your gender has no impact on how much you pay for insurance. Several other states have passed similar laws, including Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania.

Do you buy car insurance before or after buying a car?

If you already own a car, your best option is to add your new car to your existing policy so it is covered from the moment you drive it off the lot. Most car insurance policies offer a short grace period for new car purchases, giving you a few days to get your new car added to your policy. If you don’t have a policy in place, you should purchase one before you sign the paperwork for your new vehicle.

Methodology

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.