Cheapest Car Insurance Quotes in Red Bluff

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Red Bluff Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Red Bluff

The car insurance rate in Red Bluff is $829 for a six-month policy, which is $182 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in Red Bluff can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Red Bluff

$829

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Red Bluff

1st place: CSAA

At $526 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $667 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $706 for six months, making it the third cheapest auto insurance company in Red Bluff.

Red Bluff Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Red Bluff, CA is CSAA, offering policies at just $526 for a six-month term. This is followed by USAA, which has an average six-month premium of $667.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $633 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Red Bluff drivers find the best deals.

Cheap Car Insurance Companies in Red Bluff, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$526	$89
USAA	$667	$112
Mercury	$706	$119
AAA SoCal	$774	$132
Progressive	$813	$137
Allstate	$891	$150
Wawanesa	$896	$151
AAA NorCal	$906	$154
Auto Club	$935	$156
State Farm	$989	$166
AAA	$1125	$188
Kemper	$1164	$198
Farmers	$1301	$216
Capital Insurance Group	$580	$97
National General	$590	$100
State National	$599	$100
Hartford	$633	$107

Key Takeaways

Way's key takeaways about car insurance in Red Bluff

The auto insurance costs in Red Bluff fall around $526 for six months.
The cheapest auto insurance company in Red Bluff is CSAA.
Teen drivers pay the highest rate in Red Bluff at $55 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Red Bluff

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Red Bluff are given below.

CSAA provides the cheapest minimum car insurance coverage in Red Bluff. Their Average 6 Month Premium is $126. 21st Century is the most expensive at $331 for the same period.

Cheapest Liability Coverage in Red Bluff, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$126	$21
AAA	$224	$38
USAA	$234	$39
AAA NorCal	$244	$41
AAA SoCal	$278	$48
Progressive	$283	$48
Auto Club	$287	$49
State Farm	$297	$50
Wawanesa	$302	$51
Mercury	$321	$54
Allstate	$346	$58
Farmers	$414	$69
Kemper	$229	$39
Capital Insurance Group	$248	$43
State National	$263	$45
National General	$326	$54
21st Century	$331	$57

Cheapest Full Coverage Car Insurance in Red Bluff

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Red Bluff is CSAA at $89 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in Red Bluff, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$526	$89
USAA	$667	$112
Mercury	$706	$119
AAA SoCal	$774	$132
Progressive	$813	$137
Allstate	$891	$150
Wawanesa	$896	$151
AAA NorCal	$906	$154
Auto Club	$935	$156
State Farm	$989	$166
AAA	$1125	$188
Kemper	$1164	$198
Farmers	$1301	$216
Capital Insurance Group	$580	$97
National General	$590	$100
State National	$599	$100
Hartford	$633	$107

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Average Car Insurance in Red Bluff by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Red Bluff, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Red Bluff, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Red Bluff's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Red Bluff

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$480
30s	Wawanesa	$387
40s	Wawanesa	$387
50s	Wawanesa	$387
60s	Wawanesa	$387
70s	Wawanesa	$379

Cheapest Car Insurance Rates for Teen Drivers in Red Bluff,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Red Bluff at $32 per month. At $321 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$190	$32
Capital Insurance Group	$429	$71
USAA	$1023	$172
Mercury	$1037	$175
Wawanesa	$1140	$194
Progressive	$1193	$201
CSAA	$1437	$242
State Farm	$1705	$287
AAA SoCal	$1846	$314
Allstate	$1978	$333
Auto Club	$2109	$358
AAA NorCal	$2810	$468
Farmers	$2869	$488
State National	$307	$51
Marcury	$321	$55

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Red Bluff.

As young drivers face the highest rates in Red Bluff, Wawanesa offers the cheapest auto insurance rates at $480 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Red Bluff.

Car Insurance Rates with An Accident in Red Bluff

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Red Bluff, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Red Bluff

The cheapest car insurance companies after an at-fault accident in Red Bluff include AAA and Capital Insurance Group, offering $312 and $448, respectively. 21st Century is an expensive provider with an average six-month premium of $560.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$312	$52
Capital Insurance Group	$448	$76
CSAA	$599	$101
USAA	$896	$151
Progressive	$1037	$175
Mercury	$1100	$187
Wawanesa	$1266	$211
AAA SoCal	$1330	$226
Auto Club	$1403	$234
Farmers	$1442	$243
State Farm	$1715	$289
AAA NorCal	$1836	$312
Allstate	$2207	$371
State National	$370	$61
Hartford	$429	$73
National General	$492	$82
Nationwide	$531	$90
21st Century	$560	$93

Red Bluff Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Red Bluff CA. For example, the car insurance in Red Bluff after a DUI increases to $1427 for a six month policy. While the rate increases by $375 for a six-month policy in the case of a speeding ticket.

Red Bluff auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$891	$148
Not-at-fault accident	$891	$152
One comp claim	$891	$148
One Med/PIP claim	$891	$152
Two comp claims	$891	$148
Two Med/PIP claims	$891	$152
At-fault accident - less than $1000	$911	$152
Failure to show documents	$1174	$199
Driving with expired registration	$1198	$200
Driving without lights	$1198	$203
Failure to wear a seat belt	$1203	$201
Child safety restraint	$1213	$206
Speeding 11 - 15 MPH over limit	$1261	$210
Speeding 16 - 20 MPH over limit	$1261	$215
Driving too slowly	$1266	$211
Failure to stop at a red light	$1266	$216
Failure to yield	$1266	$211
Following too closely	$1266	$216
Illegal turn	$1266	$211
In 65 MPH zone	$1266	$216
Speeding 21 - 25 MPH over limit	$1266	$211
Speeding 6 - 10 MPH over limit	$1266	$216
Speeding in school zone	$1266	$211
Improper passing	$1271	$216
Cell phone violation	$1276	$212
Texting while driving	$1276	$217
Passing school bus	$1291	$215
Wrong way/wrong lane	$1510	$257
Operating a vehicle without permission	$1544	$257
At-fault accident - $1000-$2000	$1554	$264
At-fault accident - greater than $2000	$1554	$259
Open container	$1559	$265
Driving with a suspended license	$1807	$301
Reckless driving	$2202	$375
Racing	$2226	$371
Leaving scene of an accident/hit and run	$2235	$380
DUI	$2318	$386
Refusal to submit to a chemical test	$2318	$394

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Red Bluff after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Red Bluff.

The cheapest car insurance premiums in Red Bluff are offered by AAA at $613 for a six-month policy. However, it can be as expensive as $517 with companies like Kemper.

Red Bluff car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$613	$104
Capital Insurance Group	$667	$112
Mercury	$794	$134
Progressive	$1174	$198
Wawanesa	$1427	$243
Farmers	$1515	$255
USAA	$1612	$271
CSAA	$1705	$287
AAA SoCal	$2465	$419
Auto Club	$2820	$470
AAA NorCal	$3249	$553
State Farm	$3468	$584
Allstate	$3570	$601
Travelers	$687	$115
National General	$321	$53
Kemper	$517	$86

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Red Bluff are offered by CSAA at $78. However, it can be as expensive as $370 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Red Bluff after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$78	$13
Capital Insurance Group	$429	$71
Mercury	$731	$123
USAA	$765	$127
Progressive	$823	$139
AAA NorCal	$1140	$190
AAA SoCal	$1223	$208
Allstate	$1257	$209
State Farm	$1330	$226
Farmers	$1841	$307
AAA	$239	$40
Kemper	$302	$52
National General	$321	$53
State National	$370	$63

Car Insurance Price Trends in Red Bluff, California

Car insurance rates in Red Bluff have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Red Bluff rose by $157 in December compared to $156 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Red Bluff rose to $44 in December, compared to $43 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Red Bluff?

The car insurance in Red Bluff is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Red Bluff?

The cheapest car insurance in Red Bluff is $89 per month for full coverage.

How much is car insurance in Red Bluff for teenagers?

Car insurance for teenagers costs $190 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Red Bluff?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $139 per month to insure your car in Red Bluff.

Is car insurance expensive in Red Bluff?

Car insurance can be expensive in Red Bluff if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Red Bluff can be affordable.

Cheapest Car Insurance Quotes in Red Bluff

Why you can trust Way?

How Much Is Car Insurance in Red Bluff

Avg. Car Insurance in Red Bluff

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Red Bluff

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Red Bluff Car Insurance Rates by Company

Cheap Car Insurance Companies in Red Bluff, CA

Way's key takeaways about car insurance in Red Bluff

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Red Bluff

Cheapest Liability Coverage in Red Bluff, CA

Cheapest Full Coverage Car Insurance in Red Bluff

Cheapest Full Coverage Car Insurance Quotes in Red Bluff, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Red Bluff by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Red Bluff, CA increasing?

Car Insurance Premiums by Age in Red Bluff

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Red Bluff,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Red Bluff.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Red Bluff

Cheapest Car Insurance Companies after an At-Fault Accident in Red Bluff

Red Bluff Car Insurance Rates by Violation

Red Bluff auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Red Bluff after a DUI

Red Bluff car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Red Bluff after Speeding ticket

Car Insurance Price Trends in Red Bluff, California

Average Car Insurance Cost in Red Bluff by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Red Bluff, CA

Car Insurance Rates by State in the USA (2025 Update)

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