Car Insurance in Redding, California
Estimated full coverage in Redding runs about $1,350 a year ($112/month) — ▼ −13% versus the California average, ranking 77th most expensive of the 77 California cities we cover.
Why car insurance in Redding costs less than the California average
Insurers price by territory, and Redding's numbers explain most of the gap. With 93,502 residents on 59.5 square miles, the city's density (1,572 people per square mile) is 31% lower than the density where the typical California resident lives (2,278). The average commute is 16.7 minutes (California: 28.7), and 78% of workers drive alone. Together these put our location factor at 0.87× the state baseline for liability and collision, and 0.81× for comprehensive once FEMA weather risk for Shasta County is included.
| Factor | Redding | California ref. | Why it matters |
|---|---|---|---|
| Population density | 1,572 / sq mi | 2,278 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 16.7 min | 28.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 3.5% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 77.8% | — | Share of workers commuting by car. |
| Public transit to work | 0.7% | — | Transit use lowers how much residents drive. |
| Work from home | 9.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 7.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 33.8 | 64.0 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Redding
Rates can change from one ZIP code to the next. Across 3 Redding ZIP codes, our full-coverage estimate ranges from $1,275 in 96001 to $1,325 in 96002. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 96003 | 44,923 | 404 | 19.2 min | 7.1% | $1,285 | −5% |
| 96001 | 33,817 | 466 | 17.2 min | 8.1% | $1,275 | −6% |
| 96002 | 33,783 | 1,106 | 16.4 min | 5.0% | $1,325 | −2% |
Minimum car insurance in Redding
Redding drivers follow California's rules: at least 30/60/15 liability coverage. California is at-fault (tort). We estimate state-minimum coverage in Redding at $500 a year, and $700 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — California does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured motorist bodily injury and property damage coverage; declining it requires a signed waiver. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is offered with uninsured motorist coverage and can be waived in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Income-eligible good drivers can meet the law through the California Low Cost Automobile Insurance Program at lower limits of 10/20/3.
Minimums were raised recently from 15/30/5.
Risk factors that shape Redding premiums
Accidents
California recorded 3,876 traffic deaths, or 1.19 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
California's vehicle theft rate is 317 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Shasta County as very low for hail, relatively high for inland flooding and very low for strong wind.
Traffic & commuting
3.5% of Redding commuters spend an hour or more getting to work, and there are 1.82 vehicles per household. 9.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 17.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 15.4 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 94.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 8.1 | Comprehensive; dwelling | |
| Winter weather | 70.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Redding by driver profile
A clean-record driver in their 50s pays the least in our Redding model (about $1,240 for full coverage); an 18-year-old on their own policy pays about $3,710, and a DUI pushes a 30-something to $2,495.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,375 | $1,920 | $3,710 | $309 |
| Young adult (22) | $800 | $1,115 | $2,160 | $180 |
| Adult in their 30s | $500 | $700 | $1,350 | $113 |
| Adult in their 50s | $460 | $640 | $1,240 | $103 |
| Senior (72) | $560 | $780 | $1,510 | $126 |
| 30s, one at-fault accident | $725 | $1,010 | $1,955 | $163 |
| 30s, DUI on record | $925 | $1,290 | $2,495 | $208 |
Minimum vs. standard vs. full coverage in Redding
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $500 | $42 | $410–$590 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $700 | $58 | $570–$825 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,350 | $112 | $1,105–$1,595 |
Estimate your premium in Redding
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Cheap car insurance in Redding: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Redding's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $90 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $95 | You're among the 9.4% of Redding workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $355 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $650 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $295 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Redding
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 34 offices listed below.
- Check complaint records with the California Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Redding, our estimates differ by up to $50 a year between neighborhoods.
Car insurance agents near Redding, CA
We found 34 insurance offices within about 6 miles of central Redding, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Carly Pickern - Allstate
2494 Beverly Dr, Ste 5, Redding, CA 96002 -
Jesus A Rubio Insurance Services
CA -
Jesus Aaron Rubio - Farmers Insurance
926 E Cypress Ave, Redding, CA 96002 -
Stanley Hugh Fielding - Farmers Insurance
2763 Bechelli Ln, Redding, CA 96002 -
George Peterson Insurance
2920 Bechelli Lane, Redding, CA 96002 -
Arrowhead Insurance Agency
2781 Bechelli Lane, Redding, CA 96002 -
Lane Financial And Insurance Services
2789 Bechelli Lane, Redding, CA 96002 -
Craig Winton
2825 Bechelli Lane, Redding, CA 96002 -
Farmers Insurance
CA -
Farmers Insurance
610 Cypress Avenue, , CA -
Melanie Martinez Vincent - Farmers Insurance
2313 Larkspur Ln, Redding, CA 96002 -
Trinity Rennae Miller - Farmers Insurance
491 South St, Redding, CA 96001 -
Farmers Insurance
CA -
Insurance Services Inc.
CA -
Stewart Financial
CA -
Siskiyou Insurance
CA -
The Danny Day Insurance Agency
2151 Larkspur Ln, Ste A, Redding, CA 96002 -
Kevin Wall - Allstate
2861 Churn Creek Rd, Ste B, Redding, CA 96002 -
State Farm
2185 Churn Creek Road, #E, Redding, CA 96002 -
Taff's Insurance Services
2185 Churn Creek Road, #G, Redding, CA 96002 -
Whitney Jeanae Dunton - Farmers Insurance
3075 Churn Creek Rd, Redding, CA 96002 -
GuardianOne Insurance Agency
890 Cypress Avenue, Redding, CA 96001 -
Joe Lou Herrera - Farmers Insurance
3605 Bechelli Ln, Redding, CA 96002 -
Cost You Less Insurance
CA -
Travis Foster - State Farm
1007 Dana Drive, Suite C, Redding, CA 96003 -
Dee Stover - State Farm
1715 South Street, Redding, CA 96001 -
Northern California Insurance
1131 Hilltop Drive, redding, CA 96003 -
Next Generation Real Estate Services
CA -
AAA Insurance
951 Mission De Oro Drive, Redding, CA 96003 -
Lacy Chantal Harris - Farmers Insurance
1855 Buenaventura Blvd, Redding, CA 96001 -
Timothy Trimble - Farmers Insurance
1822 Buenaventura Blvd, Redding, CA 96001 -
State Farm
CA -
Wendy Dawn Douglas - Farmers Insurance
11093 Rhyolite Dr, Redding, CA 96003 -
Thomas Storer - Farmers Insurance
3681 Eureka Way, Redding, CA 96001
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Redding
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,005 | −26% |
| Subaru Outback | Wagon | $990 | −27% |
| Tesla Model 3 | Midsize car | $1,470 | +9% |
| Subaru Forester | Small SUV | $970 | −28% |
| Honda Civic | Compact car | $1,565 | +16% |
| Toyota Corolla | Compact car | $1,450 | +7% |
| Jeep Wrangler | Midsize SUV | $1,120 | −17% |
| Mazda CX-5 | Small SUV | $1,145 | −15% |
| MINI Cooper | Subcompact car | $1,025 | −24% |
| Tesla Model Y | Midsize SUV | $1,320 | −2% |
Car insurance in nearby California cities
- Chico $1,415/yr · 63 mi
- Roseville $1,570/yr · 136 mi
- Sacramento $1,575/yr · 146 mi
- Santa Rosa $1,515/yr · 148 mi
- Vacaville $1,580/yr · 154 mi
- Elk Grove $1,635/yr · 158 mi
- Fairfield $1,600/yr · 160 mi
- Vallejo $1,680/yr · 170 mi
- Concord $1,660/yr · 181 mi
- Richmond $1,675/yr · 181 mi
- Antioch $1,795/yr · 182 mi
- Berkeley $1,685/yr · 187 mi
All California cities and state rules · Homeowners insurance in Redding
Frequently asked questions
How much is car insurance in Redding, CA?
We estimate full coverage in Redding at about $1,350 a year ($112 a month) for a driver in their 30s with a clean record, and about $500 for California's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Redding cheaper than the California average?
Our Redding estimate is 13% lower than the statewide figure. The model reflects a population density of 1,572 people per square mile (the typical California resident lives at about 2,278) and an average commute of 16.7 minutes versus 28.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Redding?
Drivers in Redding follow California law: at least 30/60/15 liability coverage.
Which ZIP code in Redding has the cheapest car insurance?
Among Redding's 3 ZIP codes, 96001 has the lowest estimate (about $1,275 a year for full coverage) and 96002 the highest (about $1,325), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Redding?
An 18-year-old with their own full-coverage policy would pay around $3,710 a year in Redding by our estimate ($1,375 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Redding?
Yes. FEMA's National Risk Index rates Shasta County for inland (river) flooding (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Redding?
We list 34 insurance offices in and around Redding, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- California DMV: Auto Insurance Requirements
- California Department of Insurance: Automobile Insurance guide
- California DMV: Financial Responsibility (Insurance)
- California Department of Insurance: Compare Insurance Premiums
- California Department of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Redding and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places