Redding Insurance Rates:

Redding, CA home insurance is approximately $514 to $695, about $42-$57/month. Our all inclusive research reveals consumers can save as much as $242 by comparing different quotes

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Redding Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $70/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 2240 sqft Primary Residence Constructed In 1976 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Single Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $400/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $470,000

4 Beds, 4 Baths 3120 sqft Primary Residence Constructed In 1971 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $430/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Bath 1760 sqft Primary Residence Constructed In 1965 with Stone Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $620/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

3 Beds, 3 Bath 2170 sqft Rental Property Constructed In 1961 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single Male who is a Freelancer with household income of more than $150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $200/3 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 1830 sqft Vacation Property Constructed In 1999 with Stone Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $280,000

4 Beds, 4 Bath 2240 sqft Seasonal Residence Constructed In 1991 with Wood Flooring, Metal Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $100/3 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Baths 1013 sqft Primary Residence Constructed In 1986 with Carpet Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Redding, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
96001 $266,200 $610
96003 $238,500 $610
96002 $230,200 $600

Redding Rates & Quotes Analysis:

Redding Area Estimated House Insurance
Lennox St, Bozeman St, Record Ln, Locust St, Fuzzy Ln, Orchard Estates Dr, Spruce St, Chardonnay Walk, Bourbon Ln, Regna Dr$601
Butte Summit Dr, Epping Ct, Ellis St, Hackett Ln, St Marks St, Shotwick Trl, Westside Rd, Clear Creek Rd, Hawley Rd, Palm Ave$600
Wayne Ln, Charron Ln, Carnegie Ct, Sands Ln, Midview Dr, Neenah Trl, Valentine Ln, Bridge St, Star Dr, Stonebriar Trl$596
Filaree Dr, Concord Ln, Grange St, Steele Dr, Oshea Way, Spring Gulch Rd, Aspen Glow Ln, Easter Ave, Toro Way, Mission de Oro Dr$603
Coleus Ct, Purple Way, Querner Rd, W Too Ln, Hidden Oaks Trl, Worton Ln, Eel Dr, Winchester Pl, Hillside Dr, Bonnett Ln$610
Pradera Dr, Wee Burn Ct, Colt Dr, Sunriver Ln, Trailview Ct, Echo Rd, Irving Rd, Montana Ave, Broken Branch Trl, Paris$593
Royal Oaks Dr, Silhouette Ln, Mark St, Market St, Regatta Ct, Melody Ln, Cascade Ct, Banjo Ln, Sheena Ln, Roesner Ave$614
Charolais Way, Moonstone Way, Bonhurst Dr, School St, Quartz Ct, Altura Ave, Dalyn Pl, Clover Creek St, River Valley Dr, Spinnaker Dr$616
Kacy Ct, Llano Dr, Abernathy Ln, Citizens Ln, Wendell Way, Lewis Ln, Pit St, Pendelton Ct, Bountiful Path, Pit Rd$608
Sandisle Dr, Babiarz Ct, Stillwater Rd, Pershing St, Meander Dr, Spanish Bay Dr, Merchant St, Alta Mesa Dr, Grand Ave, West Way$594

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,627 Homes (21% of total homes ) built between 1970 to 1979 in Redding are paying home insurance between $981-$990. Places close to Redding, CA such as Palo Cedro, Shasta, Bella Vista are more expensive by $27, $26, $11 respectively while Anderson and Shasta Lake are cheaper by $20 and $14 respectively for similar homes.
  • Bedrooms: 30,420 3 bedrooms homes (48% of total homes ) in Redding are paying about $230. Areas near to Redding such as Shasta, Bella Vista, Millville are costlier by $6, $3, $8 respectively whereas Anderson and Shasta Lake are more economical by $4, $3 respectively for similar homes.
  • Auto Insurance Bundling: 11,388 Households (30% of all households) in Redding have 3 or more vehicles available and when it is bundled with home insurance you can save $151. Discounts for similar bundling in close by locations such as Palo Cedro, Keswick, Shasta come to $155, $151, $155 respectively.
  • Senior Discounts: 22,057 seniors (more than 55 years) occupied housing units (59% of total) in Redding get discounts between $90 to $92 compared to Palo Cedro ($93), Keswick ($90), Anderson ($88).
  • New Homes discounts: New homes such as the 25,708 homes built between 2000 to 2009 in Redding can save $121 and similar new home insurance discounts in nearby towns and cities like Palo Cedro, Keswick and Shasta are $124, $120 and $124 respectively.

Redding Homeowners insurance Facts

  • Redding, CA has 36,945 owner occupied houses which is 62.7% of all units whereas Palo Cedro, Keswick and Shasta have 82.08%, 85.54% and 84.77% respectively.
  • Redding, CA homeowners yearly insurance price at $605 is 0.26% of the typical house value of $234,600 which is in contrast with 0.18% in Palo Cedro, 0.26% at Keswick & 0.18% in Shasta.
  • Homeowners in Redding, CA pay 1.42% of their income ($40,000 to $44,999) in insurance whereas homeowners in Anderson, Bella Vista and Shasta Lake pay 1.4%, 1.44% and 1.4% respectively.
  • Redding, CA’s insurance is 3.1% of monthly housing costs of $1,638/month, for owners with a mortgage compared to 2.43% in Palo Cedro, 3.27% at Keswick & 2.46% in Shasta. But, for households without a mortgage, insurance is 11.9% of costs ($423 in Redding, CA) in contrast with 9.67% in Palo Cedro, 9.48% at Keswick & 10.29% in Shasta.

Redding, CA Home Values & Insurance rates

For example, insurance for 1,544 Homes (5.0% of total homes ) valued between $100,000 to $124,999 in Redding, CA is about $278. Rates in nearby areas in such as Palo Cedro, Shasta, Southwest Shasta are cheaper by $79, $80, $29 respectively while Keswick and Anderson are costlier by $5 and $131 respectively for similar homes.

Redding, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,151 10.0% $60
$60,000 to $69,999 343 1.0% $163
$70,000 to $79,999 421 1.0% $187
$80,000 to $89,999 492 1.0% $217
$90,000 to $99,999 501 1.0% $242
$100,000 to $124,999 1,544 5.0% $278
$125,000 to $149,999 1,729 5.0% $350
$150,000 to $174,999 3,060 10.0% $417
$175,000 to $199,999 2,996 9.0% $477
$200,000 to $249,999 5,929 19.0% $580
$250,000 to $299,999 4,338 14.0% $707
$300,000 to $399,999 5,960 19.0% $901

Renters Insurance in Redding

  • Average Renters Insurance in Redding :  $189($15/month)

  • Median Gross Rent in Redding :  $934

  • Redding Renters Insurance to Median Rent Ratio:  1.61%

  • Average household size of renter-occupied unit :  2.57

Redding Renters Insurance as a Percentage of Rent

Redding Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 607 2.0% $797
$300 to $499 1,340 6.0% $1247
$500 to $749 4,311 20.0% $1922
$750 to $999 5,210 25.0% $2672
$1,000 to $1,499 6,547 31.0% $3797
$1,500 or more 2,639 12.0% $5447

Protective device discount in Redding Up to :  $28

Claims-free discount in Redding Up to :  $37