Find Car Insurance in Redding, California
What You Should Know About Car Insurance in Redding, CA
Redding has a population of over 93,000 and comprises over 61 square miles. The city relied on the mining industry for much of the 19th century and lumber for a large portion of the 20th century. The current economy offers employment in healthcare, government, education, and retail.
Located along the Sacramento River, this town has so much to offer, including a local bus system and a vibrant downtown with pubs, eateries, locally owned shops, theaters, and a museum. Simpson University and Shasta College offer four-year degrees, and both are located in Redding.
Check out the town and all of its hot spots after talking to InsureOne’s expert agents, who are waiting to help you find the best auto insurance at the best price in California.
How Much Does Car Insurance Cost in Redding, California?
Obtaining car insurance in California costs a bit more than the national average. In the Golden State, a minimum liability policy costs $636 while full coverage costs $2,291, whereas nationally, they cost $622 and $2,014, respectively.
Why Is Insurance in California So Expensive?
The cost of insurance correlates with several location-related factors. For example, if theft or accident rates are high in a given area, insurers expect their costs to be higher than in other areas. The same applies to healthcare costs and the cost of repairing or replacing vehicles.
California generally has a high cost of living, which raises the costs per claim, whether for property damage or personal injury. Crime rates and the percentage of uninsured or underinsured drivers are also fairly high. These factors create auto coverage rates slightly higher than the national average.
Affordable Car Insurance Rates Comparison by Cities in California
Even within the state, your rates depend on your city and even your zip code. Here is a comparison of the average monthly premiums paid in California cities:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Redding | $150 | $99 |
| Fresno | $200 | $104 |
| Sacramento | $214 | $76 |
| Riverside | $153 | $93 |
| Modesto | $201 | $66 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Redding
Many people go to separate carriers for each type of coverage, but they may be missing out on some major savings. One of the easier ways to save money on your coverage is by bundling your homeowners and auto coverage.
Bundling can save you up to 25% on your insurance bill. If you need both auto and homeowners coverage, your InsureOne agent will work hard to customize a package that will maximize your savings. This might sound like a lot of work, but you will not have to do anything. As a concierge insurer, your trusted agent will save you time and money by doing the work for you, presenting you with quotes, and helping you decide which plan provides the best coverage for your needs.
What Types of Car Insurance Discounts Are Available in Redding?
Most carriers offer a variety of discounts that help you lower your premiums. You can qualify for some of these automatically; for some, you would have to perform certain actions to qualify. The following will give you a basic idea of the type of discounts that might be available:
- Low mileage discount
- Student discount
- Military discount
- Anti-theft discount
- Premium upfront discount
Notable Car Insurance Laws in Redding
Redding does not have its own insurance laws. The city follows California’s rules and regulations, which significantly impact your auto coverage.
What Are the Mandatory Car Insurance Requirements in Redding?
Every state has requirements for the minimum amount of insurance every driver must have, but California’s laws are a bit lower than those of other states. To operate a vehicle in the Golden State, you must have:
- $15,000 of liability coverage for bodily injury per person
- $30,000 of liability for bodily injury per accident
- $5,000 for property damage
What Is the Penalty for Driving Without Insurance in Redding?
If you do not have at least those minimums mentioned above, you could face the following fines and/or penalties:
- $100 to $200 for a first offense
- $200 to $500 for a second offense
- License suspension
- Vehicle impoundment
- Additional penalties or fines
Do Redding-Specific Laws Play a Role in Determining Your Insurance Premiums?
Under California law, insurers may use the following when determining your rates:
- Vehicle safety rating: Cars with a lot of safety features are less likely to get into an accident and might cost you less to insure.
- Deductible amount: The higher your deductible, the less your insurer will have to pay, and the less they will charge you.
- Loss probability: If you live in an area with low theft and accident rates, you will typically pay less than in other areas since your insurer is less likely to have to pay a claim.
- Driving experience: Regardless of your age, if you are a brand-new driver, you will pay more than those with several years of driving experience.
- Mileage: The less you drive, the lower the likelihood of you getting into an accident, and vice versa.
What Happens If I Damage Property in California?
Drivers are rattled when they cause an accident, but knowing what to do can help you stay focused. If you cause a crash, the first thing you have to do is make sure you and your passengers are safe. Immediately call 911, especially if someone is hurt. Do not move your vehicle unless you absolutely must, and if you do, make sure to take pictures of the scene before doing so.
Once the police arrive, they will take statements from you and any other parties involved. The officer will give you a report number and let you know how long it will take for your report to be ready. In the interim, you can reach out to InsureOne to get the claims process started. Ultimately, your insurer will cover the damages you caused up to your coverage limits, minus your deductible. If you also have collision coverage, they will also help you pay for the damages to your own vehicle.
At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs, but it does not stop there. Our white-glove service includes walking you through the claims process after an accident as well.
Typical Driving Conditions in Redding
Although several highways run through town, the local streets of Redding typically have limited traffic issues. Due to its proximity to the foot of the Klamath and Cascade Mountains, Redding gets more rain than other areas in northern California. Temperatures in May through October can reach well into the 100s, and in the winter, residents experience snow at times. Adverse weather can lead to poor driving conditions and irritated or distracted drivers.
How Many Car Accidents Happen in Redding Per Year?
The following statistics for accidents that caused injuries or fatalities in 2021 are provided by the California Office of Traffic Safety:
| City | Injuries or Fatalities Resulting from Crashes |
|---|---|
| Redding | 440 |
| Fresno | 1,351 |
| Sacramento | 4,296 |
| Riverside | 1,802 |
| Modesto | 1,999 |
How Many Uninsured/Underinsured Motorists Are in Redding?
Approximately 17% of California drivers were uninsured in 2022.
Get Covered by the Best Car Insurance in Redding, California Today
InsureOne is a full-service insurer that deals with high-quality carriers to provide you with the best, most affordable coverage for your needs. We are a one-stop-shop that offers a top-tier concierge insurance experience.
Our expert agents prepare unique, personalized packages to save you time and money. Contact us by stopping by one of our offices, calling us at (800) 836-2240, or visiting our website.