Cheapest Car Insurance Quotes in Redding Center

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Redding Center Car Insurance

^$ 57

/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 Redding Center

The car insurance rate in Redding Center is $1545 for a six-month policy, which is $114 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $789, making it a popular choice for budget-conscious drivers. Rates in Redding Center 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 Redding Center

$1545

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Redding Center

1st place: Kemper

At $789 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $814 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $956 for six months, making it the third cheapest auto insurance company in Redding Center.

Redding Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Redding Center, CT is Kemper, offering policies at just $789 for a six-month term. This is followed by Travelers, which has an average six-month premium of $814.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3624 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Redding Center drivers find the best deals.

Cheap Car Insurance Companies in Redding Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$789	$133
Travelers	$814	$138
USAA	$956	$161
Amica Mutual	$1065	$179
State Farm	$1277	$215
Progressive	$1418	$239
Allstate	$1534	$258
Nationwide	$1584	$267
Amica	$1687	$281
Farmers	$2258	$384
Hanover	$3624	$610

Key Takeaways

Way's key takeaways about car insurance in Redding Center

The auto insurance costs in Redding Center fall around $789 for six months.
The cheapest auto insurance company in Redding Center is USAA.
Teen drivers pay the highest rate in Redding Center at $1522 per month.

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Cheapest Minimum Liability Car Insurance in Redding Center

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 Redding Center are given below.

USAA provides the cheapest minimum car insurance coverage in Redding Center. Their Average 6 Month Premium is $334. Farmers is the most expensive at $1045 for the same period.

Cheapest Liability Coverage in Redding Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$334	$57
Kemper	$353	$59
Amica Mutual	$475	$80
Amica	$482	$80
Progressive	$500	$84
State Farm	$526	$89
Nationwide	$590	$99
Allstate	$687	$116
Hanover	$1366	$232
Travelers	$301	$51
Farmers	$1045	$178

Cheapest Full Coverage Car Insurance in Redding Center

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 Redding Center is Kemper at $133 per month and $789 for six months.

Cheapest Full Coverage Car Insurance Quotes in Redding Center, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$789	$133
Travelers	$814	$138
USAA	$956	$161
Amica Mutual	$1065	$179
State Farm	$1277	$215
Progressive	$1418	$239
Allstate	$1534	$258
Nationwide	$1584	$267
Amica	$1687	$281
Farmers	$2258	$384
Hanover	$3624	$610

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Average Car Insurance in Redding Center 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 Redding Center, CT increasing?

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

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

Car Insurance Premiums by Age in Redding Center

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

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Cheapest Car Insurance Rates for Teen Drivers in Redding Center,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Redding Center at $67 per month. At $8949 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$397	$67
Amica Mutual	$494	$82
USAA	$1353	$228
Amica	$2393	$403
Allstate	$2649	$446
State Farm	$2835	$477
Progressive	$4010	$675
Nationwide	$5536	$932
Hanover	$8462	$1439
Farmers	$8564	$1428
Travelers	$8949	$1522

Teen Car Insurance Rates in CT by Age

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 Redding Center, Kemper is the cheapest car insurance provider. At $456 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 Redding Center is Amica, offering rates of around $5305 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$456	$76
Amica Mutual	$834	$141
USAA	$1591	$266
Travelers	$1610	$274
Progressive	$1905	$321
Allstate	$2079	$350
Nationwide	$2182	$367
State Farm	$3701	$623
Farmers	$4548	$758
Amica	$5305	$902

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Car Insurance Rates with An Accident in Redding Center

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 Redding Center, CT, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Redding Center

The cheapest car insurance companies after an at-fault accident in Redding Center include Amica Mutual and Kemper, offering $558 and $584, respectively. Hanover is an expensive provider with an average six-month premium of $6472.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$558	$93
Kemper	$584	$98
State Farm	$910	$153
Travelers	$910	$154
USAA	$923	$156
Amica	$1636	$275
Progressive	$1944	$327
Nationwide	$2476	$417
Allstate	$4657	$777
Farmers	$5165	$878
Hanover	$6472	$1079

Redding Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Redding Center CT. For example, the car insurance in Redding Center after a DUI increases to $2047 for a six month policy. While the rate increases by $269 for a six-month policy in the case of a speeding ticket.

Redding Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1309	$218
One Med/PIP claim	$1309	$222
Not-at-fault accident	$1353	$226
Two Med/PIP claims	$1360	$231
One comp claim	$1379	$230
Two comp claims	$1462	$248
Driving without lights	$1521	$254
Failure to wear a seat belt	$1540	$261
Child safety restraint	$1558	$260
Failure to show documents	$1565	$266
Speeding 6 - 10 MPH over limit	$1578	$264
Driving with expired registration	$1584	$269
Speeding 11 - 15 MPH over limit	$1584	$265
Speeding 16 - 20 MPH over limit	$1584	$269
Cell phone violation	$1591	$266
Texting while driving	$1591	$270
Driving too slowly	$1597	$267
Failure to stop at a red light	$1597	$271
Failure to yield	$1597	$267
Following too closely	$1597	$271
Illegal turn	$1597	$267
Improper passing	$1604	$273
Wrong way/wrong lane	$1604	$268
Speeding in school zone	$1610	$274
Speeding 21 - 25 MPH over limit	$1630	$271
At-fault accident - less than $1000	$1649	$281
In 65 MPH zone	$1713	$285
Operating a vehicle without permission	$1770	$301
Open container	$1867	$311
At-fault accident - $1000-$2000	$2047	$348
At-fault accident - greater than $2000	$2047	$341
Passing school bus	$2393	$407
Reckless driving	$3150	$525
Racing	$3246	$552
Driving with a suspended license	$3271	$545
Refusal to submit to a chemical test	$3297	$561
DUI	$3356	$559
Leaving scene of an accident/hit and run	$3413	$580

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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 Redding Center 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 Redding Center.

The cheapest car insurance premiums in Redding Center are offered by Kemper at $712 for a six-month policy. However, it can be as expensive as $19008 with companies like Hanover.

Redding Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$712	$120
Progressive	$1360	$229
USAA	$1366	$230
Travelers	$1405	$234
Allstate	$1745	$294
State Farm	$1777	$299
Amica Mutual	$2944	$496
Nationwide	$3278	$552
Farmers	$5408	$919
Amica	$5922	$987
Hanover	$19008	$3232

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 Redding Center are offered by Kemper at $449. However, it can be as expensive as $5158 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Redding Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$449	$75
Amica Mutual	$545	$93
State Farm	$1104	$186
Travelers	$1104	$188
USAA	$1104	$184
Allstate	$1251	$211
Nationwide	$1558	$262
Progressive	$1680	$283
Amica	$1957	$326
Farmers	$2887	$491
Hanover	$5158	$860

Car Insurance Price Trends in Redding Center, Connecticut

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

The average cost of full coverage in the Redding Center rose by $356 in January compared to $257 of December. In other words, there has been an increase by $99 when you compare January and December.

The average cost of liability insurance in the Redding Center dipped to $87 in January, compared to $93 in December. This represents an decrease of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Redding Center?

The car insurance in Redding Center is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Redding Center?

The cheapest car insurance in Redding Center is $133 per month for full coverage.

How much is car insurance in Redding Center for teenagers?

Car insurance for teenagers costs $397 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 Redding Center?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $260 per month to insure your car in Redding Center.

Is car insurance expensive in Redding Center?

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

What is the best car insurance in Redding Center, CT?

The best car insurance company in Redding Center CT is Kemper, offering $789 for a six-month policy.