Cheapest Car Insurance In Redding, CA 2025
AAA offers the most affordable minimum coverage car insurance in Redding, averaging $37 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Redding, CA, can be challenging, as prices differ significantly.
AAA stands out as the top choice for the lowest-priced liability-only coverage, while Progressive provides the best full coverage rates. For young drivers, Direct Auto offers the most affordable options.
Cheapest Car Insurance Companies In Redding, CA 2025
Cheapest Liability-only Car Insurance In Redding: AAA
AAA offers the most affordable minimum coverage car insurance in Redding, averaging $37 per month.
Check the table below to see how rates vary among different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $37 | $444 |
| Kemper | $49 | $588 |
| GEICO | $42 | $504 |
| Progressive | $44 | $528 |
| CIG | $52 | $624 |
Cheapest Full Coverage Insurance Rates In Redding: Progressive
Progressive offers the most affordable full coverage car insurance, with average rates of $96 per month in Redding.
The table below shows average car insurance quotes from budget-friendly providers in Redding.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $96 | $1,152 |
| CIG | $121 | $1,452 |
| Progressive | $99 | $1,188 |
| GEICO | $109 | $1,308 |
| National General | $124 | $1,488 |
Cheapest Car Insurance Rates For Seniors: Mercury
Mercury offers the lowest car insurance rates for seniors in Redding, averaging $62 per month.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $62 | $744 |
| Kemper | $96 | $1,152 |
| Ensurance | $94 | $1,128 |
| 21st Century | $101 | $1,212 |
| State Farm | $103 | $1,236 |
Cheapest Rates In Redding For Teenagers: Direct Auto
In Redding, teenage drivers can get the lowest car insurance quotes from Direct Auto, averaging $81 per month.
The table below lists the insurance companies offering the lowest rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $81 | $972 |
| National General | $86 | $1,032 |
| Kemper | $83 | $996 |
| Allstate | $201 | $2,412 |
| USAA | $186 | $2,232 |
Cheapest Auto Insurance For Young Adults in Redding: Direct Auto
In Redding, young adults can find the lowest insurance quotes from Direct Auto, averaging $61 per month.
The table below allows you to compare the lowest auto insurance rates for young adults in Redding.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $61 | $732 |
| Safeco | $93 | $1,116 |
| Kemper | $87 | $1,044 |
| Clearcover | $146 | $1,752 |
| Mercury | $141 | $1,692 |
Cheapest Car Insurance In Redding For Good Drivers: AAA
AAA offers the lowest car insurance rates for good drivers in Redding, averaging $37 per month.
If you have a good driving record, check the table below for average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $37 | $444 |
| Kemper | $49 | $588 |
| GEICO | $42 | $504 |
| Progressive | $44 | $528 |
| CIG | $52 | $624 |
Find affordable Redding rates
Cheapest Car Insurance In Redding After A Speeding Ticket: Wawanesa
Wawanesa offers some of the lowest rates in Redding, averaging $98 per month for drivers with a speeding ticket.
The table below provides average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Wawanesa | $98 | $1,176 |
| Mercury | $139 | $1,670 |
| National General | $107 | $1,282 |
| United Financial Casualty | $223 | $2,671 |
| GEICO | $167 | $1,999 |
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Cheapest For Drivers With After At-Fault Accident: Wawanesa
Wawanesa provides the most affordable car insurance for drivers with an at-fault accident, averaging $104 per month.
These car insurance companies offer the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Wawanesa | $104 | $1,248 |
| GEICO | $193 | $2,310 |
| National General | $149 | $1,792 |
| Mercury | $183 | $2,193 |
| United Financial Casualty | $240 | $2,877 |
Cheapest Rates In Redding For Drivers After A DUI: National General
National General provides the lowest insurance rates for drivers with a DUI, offering Redding motorists an average premium of $123 per month.
The table below shows the lowest insurance rates available for drivers in Redding with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $123 | $1,476 |
| Mercury | $174 | $2,090 |
| Wawanesa | $138 | $1,660 |
| United Financial Casualty | $278 | $3,340 |
| GEICO | $269 | $3,231 |
Best Car Insurance Companies In Redding
AAA offers the cheapest car insurance in Redding at $37 per month, while GEICO and Progressive are also affordable at $42 and $44 per month, respectively.
The table below lists the top 10 car insurance companies in Redding, CA, ranked by their average monthly premiums.
| Company | Monthly Premium |
| AAA | $37 |
| Kemper | $49 |
| GEICO | $42 |
| Progressive | $44 |
| CIG | $52 |
| USAA | $124 |
| Safeco | $89 |
| Direct Auto | $74 |
| Allstate | $130 |
| Mercury | $127 |
Average Auto Insurance Rates In Redding – By Age
Age plays a major role in determining car insurance rates. Younger drivers generally pay more due to their inexperience and higher risk of accidents. Teenagers can expect annual premiums of about $2,775.
Once drivers turn 25, their insurance rates tend to drop, provided they have a clean driving history.
Drivers in their 50s and early 60s often receive the best insurance rates, as insurers consider age when evaluating experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $2,775 |
| 20s | $1,947 |
| 30s | $1,779 |
| 40s | $1,434 |
| 50s | $1,238 |
| 60s | $1,317 |
| 70s | $1,518 |
Average Rates In Redding – By Vehicle
Your car’s make, model, year, and body type significantly impact your insurance costs. Newer luxury vehicles with advanced technology and high replacement costs generally come with higher premiums.
The table below provides average insurance rates in Redding for various vehicle types.
| Vehicle | Average Monthly Rate |
| Chevrolet Equinox | $350 |
| Subaru Forester | $378 |
| Jeep Renegade | $457 |
| Dodge Durango | $90 |
| Buick Lacrose | $625 |
How Much Is Car Insurance In Other Cities in California?
Where you live plays a major role in determining your car insurance rates. Insurers consider local accident risks, theft rates, and vandalism, which are typically higher in cities and can lead to increased premiums.
In Oakland, drivers typically pay about $199 per month for car insurance, whereas those in Bakersfield see an average rate of $150 per month.
| City | Average Monthly Rate |
| Anaheim | $157 |
| Sacramento | $164 |
| Bakersfield | $150 |
| Riverside | $155 |
| Fresno | $157 |
| San Bernadino | $162 |
| Long Beach | $165 |
| Pasadena | $154 |
| Los Angeles | $188 |
| Oakland | $199 |
Average Cost Of Auto Insurance In Redding – By Zip Code
Insurance companies use zip codes to assess crime levels in your area, which is why car insurance rates vary by zip code.
Check the table below to compare average insurance rates by zip code in Redding.
| City | Average Monthly Rate |
| 95747 | $238 |
| 96003 | $145 |
| 96001 | $131 |
| 96087 | $111 |
| 96002 | $137 |
Find affordable Redding rates
Our Methodology
By analyzing factors like customer service, coverage options, pricing, and online reviews, I’ve put together a detailed overview of car insurance providers in Redding, CA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Redding?
In Redding, AAA offers the cheapest rates for minimum coverage, while Progressive provides the most affordable full coverage, including comprehensive and collision insurance.
What is the average cost of car insurance in Redding?
Car insurance in Redding costs an average of $140 per month, though your rate may change based on factors like your zip code, vehicle type, and driving history.
