Cheapest Car Insurance Quotes in Redlands

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401,895 Policies Sold

Redlands Car Insurance

^$ 19

/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 Redlands

The car insurance rate in Redlands is $895 for a six-month policy, which is $252 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $287, making it a popular choice for budget-conscious drivers. Rates in Redlands 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 Redlands

$895

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Redlands

1st place: Colorado Farm Bureau

At $287 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $315 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $473 for six months, making it the third cheapest auto insurance company in Redlands.

Redlands Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Redlands, CO is Colorado Farm Bureau, offering policies at just $287 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $315.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1149 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Redlands drivers find the best deals.

Cheap Car Insurance Companies in Redlands, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$49
American National P&C	$315	$52
Auto-Owners Insurance Co	$473	$80
Acuity	$514	$86
Colorado Farm Bureau Mutual	$602	$102
American Family	$755	$127
American National	$778	$133
Auto-Owners	$839	$140
USAA	$862	$145
State Farm	$903	$152
Progressive	$955	$161
Allstate	$1335	$225
Nationwide	$1557	$264
Farmers	$1668	$281
Farm Bureau	$1335	$227
California Casualty	$1149	$192

Key Takeaways

Way's key takeaways about car insurance in Redlands

The auto insurance costs in Redlands fall around $287 for six months.
The cheapest auto insurance company in Redlands is Colorado Farm Bureau.
Teen drivers pay the highest rate in Redlands at $1055 per month.

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Cheapest Minimum Liability Car Insurance in Redlands

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 Redlands are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Redlands. Their Average 6 Month Premium is $112. California Casualty is the most expensive at $162 for the same period.

Cheapest Liability Coverage in Redlands, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$112	$19
American National P&C	$120	$20
American National	$144	$24
Colorado Farm Bureau Mutual	$167	$28
USAA	$190	$32
Auto-Owners Insurance Co	$218	$37
Farm Bureau	$222	$37
Progressive	$232	$39
Acuity	$236	$40
State Farm	$260	$44
American Family	$264	$44
Auto-Owners	$310	$51
Allstate	$509	$86
Nationwide	$514	$86
Farmers	$519	$87
California Casualty	$162	$27

Cheapest Full Coverage Car Insurance in Redlands

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 Redlands is Colorado Farm Bureau at $49 per month and $287 for six months.

Cheapest Full Coverage Car Insurance Quotes in Redlands, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$49
American National P&C	$315	$52
Auto-Owners Insurance Co	$473	$80
Acuity	$514	$86
Colorado Farm Bureau Mutual	$602	$102
American Family	$755	$127
American National	$778	$133
Auto-Owners	$839	$140
USAA	$862	$145
State Farm	$903	$152
Progressive	$955	$161
Allstate	$1335	$225
Nationwide	$1557	$264
Farmers	$1668	$281
Farm Bureau	$1335	$227
California Casualty	$1149	$192

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Average Car Insurance in Redlands 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 Redlands, CO increasing?

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

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

Car Insurance Premiums by Age in Redlands

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	USAA	$665
30s	USAA	$488
40s	USAA	$420
50s	USAA	$425
60s	USAA	$433
70s	USAA	$507

Cheapest Car Insurance Rates for Teen Drivers in Redlands,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Redlands at $20 per month. At $6264 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$116	$20
American National P&C	$144	$24
California Casualty	$162	$27
Colorado Farm Bureau	$204	$34
Auto-Owners Insurance Co	$296	$51
Colorado Farm Bureau Mutual	$1061	$177
USAA	$1251	$211
American Family	$1552	$261
State Farm	$2044	$344
Progressive	$2539	$427
Auto-Owners	$2742	$466
Allstate	$2780	$468
Nationwide	$4994	$849
Farmers	$6264	$1055

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Redlands.

As young drivers face the highest rates in Redlands, USAA offers the cheapest auto insurance rates at $665 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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Redlands, Colorado Farm Bureau is the cheapest car insurance provider. At $218 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Redlands is State Farm, offering rates of around $3002 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$218	$37
Acuity	$334	$55
American Family	$991	$167
Progressive	$1024	$172
USAA	$1436	$244
Farmers	$1821	$307
Allstate	$2331	$396
Nationwide	$2367	$395
Auto-Owners	$2539	$431
State Farm	$3002	$501

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Car Insurance Rates with An Accident in Redlands

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 Redlands, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Redlands

The cheapest car insurance companies after an at-fault accident in Redlands include Colorado Farm Bureau and American National, offering $139 and $162, respectively. Nationwide is an expensive provider with an average six-month premium of $2715.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$139	$23
American National	$162	$27
American National P&C	$172	$29
Farm Bureau	$218	$37
California Casualty	$315	$52
State Farm	$709	$119
Colorado Farm Bureau Mutual	$728	$121
USAA	$728	$122
American Family	$913	$154
Progressive	$1275	$215
Auto-Owners	$1395	$232
Allstate	$1927	$324
Farmers	$2293	$386
Nationwide	$2715	$462

Redlands Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Redlands CO. For example, the car insurance in Redlands after a DUI increases to $824 for a six month policy. While the rate increases by $241 for a six-month policy in the case of a speeding ticket.

Redlands auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1034	$172
One Med/PIP claim	$1038	$176
Not-at-fault accident	$1056	$176
One comp claim	$1061	$180
Two Med/PIP claims	$1061	$177
Two comp claims	$1103	$187
Failure to wear a seat belt	$1154	$193
Failure to show documents	$1163	$198
Child safety restraint	$1177	$196
Driving without lights	$1177	$200
Driving with expired registration	$1223	$204
Texting while driving	$1237	$211
At-fault accident - less than $1000	$1246	$207
Cell phone violation	$1251	$213
Failure to yield	$1251	$208
Following too closely	$1251	$213
Illegal turn	$1251	$208
Failure to stop at a red light	$1256	$214
Driving too slowly	$1260	$210
Improper passing	$1265	$215
Wrong way/wrong lane	$1270	$211
Speeding 6 - 10 MPH over limit	$1275	$217
Speeding 11 - 15 MPH over limit	$1278	$213
Speeding 16 - 20 MPH over limit	$1278	$218
Speeding in school zone	$1283	$214
Passing school bus	$1307	$222
In 65 MPH zone	$1390	$232
Operating a vehicle without permission	$1395	$237
Speeding 21 - 25 MPH over limit	$1413	$236
Open container	$1450	$246
At-fault accident - $1000-$2000	$1524	$254
At-fault accident - greater than $2000	$1557	$264
Driving with a suspended license	$1631	$271
Reckless driving	$1798	$306
Refusal to submit to a chemical test	$1816	$303
Racing	$1835	$312
DUI	$1858	$310
Leaving scene of an accident/hit and run	$1927	$328

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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 Redlands 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 Redlands.

The cheapest car insurance premiums in Redlands are offered by Colorado Farm Bureau at $162 for a six-month policy. However, it can be as expensive as $3656 with companies like Nationwide.

Redlands car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$162	$27
American National	$172	$29
American National P&C	$194	$33
Farm Bureau	$255	$44
Colorado Farm Bureau Mutual	$741	$123
Progressive	$788	$133
State Farm	$802	$135
American Family	$982	$165
USAA	$1043	$176
Farmers	$1427	$240
Allstate	$1663	$280
Auto-Owners	$1733	$295
Nationwide	$3656	$609

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 Redlands are offered by American National P&C at $144. However, it can be as expensive as $2678 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Redlands after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$144	$24
Colorado Farm Bureau	$148	$25
Auto-Owners Insurance Co	$236	$39
State Farm	$528	$89
American Family	$686	$115
Auto-Owners	$871	$148
USAA	$885	$147
Progressive	$908	$153
Allstate	$1529	$255
Nationwide	$2243	$381
Farmers	$2678	$446

Car Insurance Price Trends in Redlands, Colorado

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

The average cost of full coverage in the Redlands remained steady at $183 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Redlands remained steady at $45 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Redlands?

The car insurance in Redlands is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Redlands?

The cheapest car insurance in Redlands is $49 per month for full coverage.

How much is car insurance in Redlands for teenagers?

Car insurance for teenagers costs $116 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 Redlands?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $151 per month to insure your car in Redlands.

Is car insurance expensive in Redlands?

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

What is the best car insurance in Redlands, CO?

The best car insurance company in Redlands CO is Colorado Farm Bureau, offering $287 for a six-month policy.