Cheapest Car Insurance Quotes in Redding

Finding the cheapest car insurance quotes in Redding shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Redding Car Insurance

^$ 20

/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

The car insurance rate in Redding is $818 for a six-month policy, which is $119 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Redding 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

$818

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Redding

1st place: West Bend Mutual

At $431 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $487 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $515 for six months, making it the third cheapest auto insurance company in Redding.

Redding Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Redding, IA is West Bend Mutual, offering policies at just $431 for a six-month term. This is followed by Grange, which has an average six-month premium of $487.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1605 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Redding drivers find the best deals.

Cheap Car Insurance Companies in Redding, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$431	$71
Grange	$487	$83
Travelers	$515	$87
Auto-Owners Insurance Co	$522	$89
Hastings Mutual	$535	$89
Westfield	$570	$97
IMT Insurance Company	$591	$98
State Farm	$702	$118
American Family	$723	$122
USAA	$771	$130
Pekin	$785	$131
Progressive	$792	$133
Auto-Owners	$959	$160
Farm Bureau Mutual (IA Group)	$966	$164
Farm Bureau	$1085	$180
Nationwide	$1286	$219
Grinnell Mutual	$1404	$234
Allstate	$1605	$270

Key Takeaways

Way's key takeaways about car insurance in Redding

The auto insurance costs in Redding fall around $431 for six months.
The cheapest auto insurance company in Redding is Pekin.
Teen drivers pay the highest rate in Redding at $691 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Redding

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 are given below.

Pekin provides the cheapest minimum car insurance coverage in Redding. Their Average 6 Month Premium is $118. West Bend is the most expensive at $146 for the same period.

Cheapest Liability Coverage in Redding, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$118	$20
Westfield	$125	$21
Hastings Mutual	$132	$22
Progressive	$139	$23
West Bend Mutual	$139	$23
USAA	$146	$25
Grange	$153	$26
State Farm	$153	$26
Farm Bureau Mutual (IA Group)	$167	$28
Auto-Owners Insurance Co	$174	$29
Iowa Farm Bureau	$187	$32
Travelers	$194	$33
Farm Bureau	$201	$34
American Family	$208	$35
Auto-Owners	$222	$37
Grinnell Mutual	$312	$53
Allstate	$459	$77
Nationwide	$487	$83
West Bend	$146	$25

Cheapest Full Coverage Car Insurance in Redding

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 is West Bend Mutual at $71 per month and $431 for six months.

Cheapest Full Coverage Car Insurance Quotes in Redding, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$431	$71
Grange	$487	$83
Travelers	$515	$87
Auto-Owners Insurance Co	$522	$89
Hastings Mutual	$535	$89
Westfield	$570	$97
IMT Insurance Company	$591	$98
State Farm	$702	$118
American Family	$723	$122
USAA	$771	$130
Pekin	$785	$131
Progressive	$792	$133
Auto-Owners	$959	$160
Farm Bureau Mutual (IA Group)	$966	$164
Farm Bureau	$1085	$180
Nationwide	$1286	$219
Grinnell Mutual	$1404	$234
Allstate	$1605	$270

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Redding Instantly!

Average Car Insurance in Redding 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, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Redding, Iowa, may be increasing due to several external factors. Iowa 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'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

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Redding,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Redding at $26 per month. At $4066 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
Grange	$174	$29
West Bend Mutual	$187	$32
Iowa Farm Bureau	$215	$36
Travelers	$730	$123
USAA	$910	$153
Progressive	$1369	$230
State Farm	$1557	$262
American Family	$1842	$310
Farm Bureau	$2370	$395
Farm Bureau Mutual (IA Group)	$2607	$443
Auto-Owners	$2655	$442
Grinnell Mutual	$3155	$537
Allstate	$3475	$585
Nationwide	$4066	$691

Teen Car Insurance Rates in IA 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, Grange is the cheapest car insurance provider. At $201 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 is Grinnell Mutual, offering rates of around $2468 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$201	$34
Westfield	$243	$41
West Bend Mutual	$250	$42
Travelers	$271	$46
Progressive	$785	$132
American Family	$903	$152
State Farm	$1681	$283
Nationwide	$1835	$312
Farm Bureau	$1870	$311
Allstate	$2432	$414
Auto-Owners	$2453	$408
Grinnell Mutual	$2468	$420

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Redding

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, IA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Redding include Hastings Mutual and Pekin, offering $132 and $160, respectively. Allstate is an expensive provider with an average six-month premium of $2203.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$132	$22
Pekin	$160	$27
Western National	$208	$35
Westfield	$208	$35
Grange	$236	$40
Auto-Owners Insurance Co	$243	$41
West Bend Mutual	$243	$41
State Farm	$508	$85
Travelers	$522	$88
Progressive	$737	$124
Grinnell Mutual	$834	$140
American Family	$959	$161
USAA	$1071	$178
Auto-Owners	$1258	$214
Farm Bureau Mutual (IA Group)	$1425	$238
Farm Bureau	$1766	$301
Nationwide	$2043	$340
Allstate	$2203	$371

Redding Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Redding IA. For example, the car insurance in Redding after a DUI increases to $834 for a six month policy. While the rate increases by $119 for a six-month policy in the case of a speeding ticket.

Redding auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$980	$164
One Med/PIP claim	$993	$168
Not-at-fault accident	$1021	$171
One comp claim	$1049	$179
Two Med/PIP claims	$1078	$179
Child safety restraint	$1099	$187
Failure to show documents	$1099	$183
Failure to wear a seat belt	$1099	$187
Speeding 6 - 10 MPH over limit	$1099	$183
Two comp claims	$1099	$187
Driving without lights	$1104	$184
Driving with expired registration	$1133	$193
Failure to yield	$1133	$188
Illegal turn	$1133	$193
Failure to stop at a red light	$1140	$190
Wrong way/wrong lane	$1147	$195
Cell phone violation	$1154	$192
Driving too slowly	$1154	$197
Speeding 11 - 15 MPH over limit	$1154	$192
Texting while driving	$1154	$197
Speeding 16 - 20 MPH over limit	$1161	$193
Speeding in school zone	$1175	$200
Improper passing	$1182	$197
Following too closely	$1189	$202
At-fault accident - less than $1000	$1210	$201
Passing school bus	$1230	$209
Operating a vehicle without permission	$1293	$215
At-fault accident - $1000-$2000	$1314	$223
Speeding 21 - 25 MPH over limit	$1314	$219
At-fault accident - greater than $2000	$1321	$225
In 65 MPH zone	$1411	$235
Open container	$1487	$253
Racing	$1675	$280
Driving with a suspended license	$1709	$290
Reckless driving	$1751	$291
Refusal to submit to a chemical test	$1780	$303
DUI	$1814	$302
Leaving scene of an accident/hit and run	$1835	$312

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 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.

The cheapest car insurance premiums in Redding are offered by Western National at $208 for a six-month policy. However, it can be as expensive as $2718 with companies like Grinnell Mutual.

Redding car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$208	$35
Grange	$271	$46
Travelers	$271	$46
West Bend Mutual	$271	$46
Progressive	$522	$88
State Farm	$605	$102
American Family	$993	$167
Allstate	$2134	$363
Auto-Owners	$2272	$379
Farm Bureau	$2370	$402
Nationwide	$2544	$424
Grinnell Mutual	$2718	$462

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 are offered by Westfield at $153. However, it can be as expensive as $1780 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Redding after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$153	$26
West Bend Mutual	$180	$30
Western National	$208	$35
Iowa Farm Bureau	$229	$39
Travelers	$229	$39
Grange	$236	$40
State Farm	$397	$67
Progressive	$584	$98
American Family	$702	$118
Farm Bureau	$1328	$221
Grinnell Mutual	$1404	$239
Nationwide	$1612	$269
Auto-Owners	$1668	$283
Allstate	$1780	$296

Car Insurance Price Trends in Redding, Iowa

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

The average cost of full coverage in the Redding remained steady at $164 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Redding remained steady at $34 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Redding?

The car insurance in Redding is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Redding?

The cheapest car insurance in Redding is $71 per month for full coverage.

How much is car insurance in Redding for teenagers?

Car insurance for teenagers costs $153 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?

The average cost of car insurance is $699 for a six-month policy. It will cost around $137 per month to insure your car in Redding.

Is car insurance expensive in Redding?

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

Cheapest Car Insurance Quotes in Redding

Why you can trust Way?

How Much Is Car Insurance in Redding

Avg. Car Insurance in Redding

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Redding

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Redding Car Insurance Rates by Company

Cheap Car Insurance Companies in Redding, IA

Way's key takeaways about car insurance in Redding

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Redding

Cheapest Liability Coverage in Redding, IA

Cheapest Full Coverage Car Insurance in Redding

Cheapest Full Coverage Car Insurance Quotes in Redding, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Redding by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Redding, IA increasing?

Car Insurance Premiums by Age in Redding

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Redding,IA

If you are in your twenties N/A is the best choice for car insurance in Redding.

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 Redding

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

Redding Car Insurance Rates by Violation

Redding auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Redding after a DUI

Redding car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Redding after Speeding ticket

Car Insurance Price Trends in Redding, Iowa

Average Car Insurance Cost in Redding by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Redding, IA

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

Featured Blogs

Data Sources