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Get Cheap Car Insurance in West Redlands, Redlands, CA

We monitor insurance prices, helping the average driver in West Redlands save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in West Redlands

The chart below shows the cheapest car insurance company in West Redlands for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.

 
West Redlands Insurer Monthly Cost
Metromile $53
Geico $60
Progressive $64
Travelers $66

Savings for Every Kind of West Redlands Driver

The table shows how much the average auto insurance customer in West Redlands might save by following our recommendations.

Based on our extensive insurance data, we know the average West Redlands driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $676 per year by choosing the right vehicle insurance company. Some West Redlands residents are paying out over $2,115 extra every year for auto insurance in West Redlands. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

West Redlands Car Insurance vs. Redlands

People living in West Redlands pay an average of 5.32% more than the typical driver in the state. The average driver in West Redlands can expect to pay about $990 per year, or $2,115 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in West Redlands for most people.

Car Insurance Prices by West Redlands Neighborhood

West Redlands, Redlands, CA map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within West Redlands?

The map shows insurance prices in and around West Redlands, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $226 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,205 to a low of $1,979. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of West Redlands.

Pick the Best Car Insurance Company for You in West Redlands

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the West Redlands insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in West Redlands

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $676 over the average West Redlands car insurance company.

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We use the average good driver, paying $120 per month, as our baseline for pricing in West Redlands. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for West Redlands drivers with accidents on their records

In West Redlands getting into an accident will raise premiums an average 44% for a yearly cost of $3,803. That's $1,688 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,239 over the competition.

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The best car insurance company for West Redlands drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $980 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In West Redlands, tickets raise premiums on new quotes about $1,073. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $3,188 per year.

The best auto insurance for West Redlands drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,356 per year in auto insurance premiums, which was $3,241 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,721 less each year.

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The least expensive car insurance company for new and young drivers in West Redlands

In West Redlands, State Farm costs young drivers $884 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in West Redlands. With an average cost of $5,612 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in West Redlands

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $210. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in West Redlands.

Progressive gave the largest car insurance discounts to married couples, averaging $383 saved each year compared to an average West Redlands couple's premiums.

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The cheapest car insurance in West Redlands for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best West Redlands car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In West Redlands, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in West Redlands.

Nationwide was the best company for customer service in West Redlands according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in West Redlands, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in West Redlands. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in West Redlands

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 81% of West Redlands residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average West Redlands driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In West Redlands, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around West Redlands

What Influences the Cost of Car Insurance in West Redlands?

On average, car insurance in West Redlands is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in West Redlands is 27 minutes, which is far less than average for a driver in the city.
  • California state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in West Redlands are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • West Redlands is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in West Redlands is $83 per month for minimum coverage and $176 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average West Redlands driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central West Redlands with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.